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The Final Notebook (Hopefully)
toomanynotebooks
Posts: 16 Forumite
I've had a few goes at this, under an old username and email address which I don't use anymore, so decided to have a new diary to go with this username because I think I need the accountability more than anything of coming on here and posting regularly and talking to people.
I always think my debt is the worst in the world and I'm in such a bad situation, then I come on here and read a couple of other diaries and realise I am in nowhere near as bad a situation as many many people! I've been in credit card debt since University at which time I built up an overdraft and student loan and subsequently credit cards etc and have now been at a stage for a few years where I'm paddling like mad just to stay afloat. Every time I get a little bit ahead then the car needs a repair or the fridge breaks down (like last week) or similar and that's another £250 back on the CC which it took a couple of months to pay off. It's a familiar pattern.
Anyway, I'm hoping that this wont be yet another diary which has 5 posts and then is consigned to internet oblivion, but I don't want to make that promise to myself, I've done it many times before with many aspects of my life!
Here we go, one post at a time...
I always think my debt is the worst in the world and I'm in such a bad situation, then I come on here and read a couple of other diaries and realise I am in nowhere near as bad a situation as many many people! I've been in credit card debt since University at which time I built up an overdraft and student loan and subsequently credit cards etc and have now been at a stage for a few years where I'm paddling like mad just to stay afloat. Every time I get a little bit ahead then the car needs a repair or the fridge breaks down (like last week) or similar and that's another £250 back on the CC which it took a couple of months to pay off. It's a familiar pattern.
Anyway, I'm hoping that this wont be yet another diary which has 5 posts and then is consigned to internet oblivion, but I don't want to make that promise to myself, I've done it many times before with many aspects of my life!
Here we go, one post at a time...
Total Debt - Jan 2014 -[STRIKE] £13,207[/STRIKE] £12,712
[STRIKE]MBNA - £27.10 Cleared![/STRIKE]; Student Loan - [STRIKE]£3233.68[/STRIKE] £2607.25; Hitachi Capital - [STRIKE]£478.23[/STRIKE] £328
MBNA CC - £[STRIKE]5975.19[/STRIKE] £5973.96; Tesco Credit Card £5384.50
"A Rolex wont buy you any more time"
[STRIKE]MBNA - £27.10 Cleared![/STRIKE]; Student Loan - [STRIKE]£3233.68[/STRIKE] £2607.25; Hitachi Capital - [STRIKE]£478.23[/STRIKE] £328
MBNA CC - £[STRIKE]5975.19[/STRIKE] £5973.96; Tesco Credit Card £5384.50
"A Rolex wont buy you any more time"
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Comments
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Happy shiny new diary
Keep posting!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 20 months left.0 -
Thanks!! Oh, and I logged into a CC card whilst browsing around this evening and paid off a pound... on my way!Total Debt - Jan 2014 -[STRIKE] £13,207[/STRIKE] £12,712
[STRIKE]MBNA - £27.10 Cleared![/STRIKE]; Student Loan - [STRIKE]£3233.68[/STRIKE] £2607.25; Hitachi Capital - [STRIKE]£478.23[/STRIKE] £328
MBNA CC - £[STRIKE]5975.19[/STRIKE] £5973.96; Tesco Credit Card £5384.50
"A Rolex wont buy you any more time"0 -
Hi toomanynotebooks,
I started a new diary today (pretty sure I started and abandoned a diary under a different name a few years ago too, but can't for the life of me remember what it was!). One post and one payment at a time eh?!
That age old question. How do you eat an elephant?
One bite at a time.
Good luck xMBNA 430/14000
Santander 435/10550
Nationwide 0/497
Santander OD 0/2900
Nationwide OD 21/100
Mortgage
NSD Jan/6
- - - -
What matters is how we live and love and how we spend our dash. (L Ellis)0 -
Thanks Nintud...Total Debt - Jan 2014 -[STRIKE] £13,207[/STRIKE] £12,712
[STRIKE]MBNA - £27.10 Cleared![/STRIKE]; Student Loan - [STRIKE]£3233.68[/STRIKE] £2607.25; Hitachi Capital - [STRIKE]£478.23[/STRIKE] £328
MBNA CC - £[STRIKE]5975.19[/STRIKE] £5973.96; Tesco Credit Card £5384.50
"A Rolex wont buy you any more time"0 -
Today has been a decent day, I listed a load of things on Ebay last week and they ended today, £30 into the bank account which is very welcome, now I'll pop and pay some of it off a Credit Card.
The first bite of the elephant...Total Debt - Jan 2014 -[STRIKE] £13,207[/STRIKE] £12,712
[STRIKE]MBNA - £27.10 Cleared![/STRIKE]; Student Loan - [STRIKE]£3233.68[/STRIKE] £2607.25; Hitachi Capital - [STRIKE]£478.23[/STRIKE] £328
MBNA CC - £[STRIKE]5975.19[/STRIKE] £5973.96; Tesco Credit Card £5384.50
"A Rolex wont buy you any more time"0 -
Start at the trunk, I've heard the tail end is chewy :-D
Congrats on the eBay sales. I'm still sulking about a non-paying overseas buyer, but will have to get over myself and start listing when I get home.
Your diary is now on 7 posts, progress all round!MBNA 430/14000
Santander 435/10550
Nationwide 0/497
Santander OD 0/2900
Nationwide OD 21/100
Mortgage
NSD Jan/6
- - - -
What matters is how we live and love and how we spend our dash. (L Ellis)0
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