What the hell is wrong with me..Spendaholics Anonymous

theemptypurse

cleaning done - well done me motivated self at last - even got a round of washing done.
Next thing to do
Count my pennies to get milk ...check the electric meter ...:)
On to do list
Post x 2 ebay parcels
Take gold to scrap
Wash hair
sort out food cupboards ..and stocks of toiletries,
food and cleaning supplies ...working two jobs is so hard
but I can do it ...cant wait to have enough money to bust debts

StrugglingYouth

Step by step will see them go. It will take some sacrifice and some luck too! Im currently saving so I can survive will I retrain next year and I put all my survey and ebay monies into that. Its satisfying to see the numbers go down as Laura said!

You're doing really well so far, keep it up!

Have subscribed so Il check back a few times a week to see how you're doing!

theemptypurse

Unsecured Debts
Description....................Debt......Monthly...APR
loan1..........................270.......270....... to make last payment 28th Oct
loan2..........................710.......355.......2 payments left
cc1............................950.......30........0
cat............................600.......40........0
cc2............................250.......5.........0
Total unsecured debts..........2780......700.......-
Other Horrific amount on hold until I have enough strength to tackle.

Monthly Budget Summary
Total monthly income.................... 1,894
Expenses (including HP & secured debts). 940
Available for debt repayments........... 954
Monthly UNsecured debt repayments....... 700
Amount left after debt repayments....... 254
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -2,780
Net Assets.............................. -2,780
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.

theemptypurse

StrugglingYouth wrote: »

Step by step will see them go. It will take some sacrifice and some luck too! Im currently saving so I can survive will I retrain next year and I put all my survey and ebay monies into that. Its satisfying to see the numbers go down as Laura said!

You're doing really well so far, keep it up!

Have subscribed so Il check back a few times a week to see how you're doing!

:jThank you for that ...Cheered me up no end ...:beer:

laurag89

hey emptypurse you are doing so well, keep going small steps at a time.... i lose motivation too and feel like giving up but I read back over the bits I have paid already no matter how small and remind myself that i am heading in the right direction. Rome wasnt built in a day!!

Looking at your statement of affairs, you are still on paper left with £254... i know that never actually happens but with careful budgeting and as many NSD's as possible you can pay off small amounts extra. That is what I do

xx

ailz95

Hi,

Just to say that I am subscribing, and will be cheering you on from the sidelines.

At one time I worked 2 jobs - it really is a killer - no wonder you're feeling down. If all fails you could go to a debt management company like StepChange or PayPlan. We've just finished our dmp, we went from out and out panic to relaxation when we took it out. We've paid back every penny we owed - although most of them shelve most of the interest.

Ailz

laurag89

Hi Emptypurse,

Happy Christmas for yesterday.
No updates for a while? How are you getting on?