The only way is down (for the balances)!

catandy

just read the news about Wonga writing off debt and ive got my fingers crossed that I fall into the category they have set (only 8 days till I know and if I am (99% sure) then 970 and a few pence gets written off in an instant! which I will be doing the happy dance about again when/ if it happens

abba1772

Fingers crossed about wonga xx

catandy

still no news from wong* but there is still 2 days to go - oh well if I don't get it written off im no worse off than I am already.


balances will be down to 37473 by the end of this month - not accounting for write off. so they are inching down ever so slowly... sheesh it feels like pulling teeth its going so slowly.


don't see as I can do anything to speed up the process - work is going ok and commissions rising month on month as I put my all into it when im there. by the time I leave and get home im in no fit state to do anything else apart from feed myself / kids if they are at home, put the place in some semblance of order and chillax/ collapse for the evening. weekends are spent ferrying kids to places and visiting relative in hospital when I can afford to get there. I think its just stick with the plan and bide my time till jan/feb when some of the priority debts are paid in full then reassess again.

abba1772

It's frustrating when you feel your going at a snails pace but your doing amazing keep it up xx

catandy

I just got notification from Wonga that my debt with them has been written off - 950 odd taken off the running total


best of all ive been able to knock one creditor off the list. lots more to go but it will be done!

in_need_of_direction

Great news.

catandy

I've decided that the envelope method works so well for me that im going to extend it to all areas of budget, that's money for travel, insurances, food and the list goes on. I can only spend what has been allocated and when its gone its gone. and whatever is left is pumped into an emergency fund till I have £500 in there then a slush fund to get together some money for some f&f. a semblance of order is beginning to emerge over my life and finances and I love it


should have done it ages ago but im a slow learner it seems

in_need_of_direction

But at least when you learn, the lesson sticks.

abba1772

catandy wrote: »

I just got notification from Wonga that my debt with them has been written off - 950 odd taken off the running total


best of all ive been able to knock one creditor off the list. lots more to go but it will be done!

That brillant news xx :j:T:j:T:j:T:j

dawnybabes

Found you !

Brilliant about wonga .....