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I have tried and failed twice!!! Now I'm ready to try again.
mrskro
Posts: 59 Forumite
Hello MSE World
I have tied and failed at getting debt free twice now but am back in the saddle and raring to go.
When I say failed, I have improved my circumstances greatly and my debt is about 1/2 what it was in 2013 but I have found that an old vice has returned to haunt me.... Gambling.
I haven't been on a site for so long but we just got back from a family reunion in California and I spent 3 days in Vegas and came out a winner, the problem is that since I got back from holiday I have gambled away about £500. Just gone...:mad:
I have therefore decided that I need to make this my home for a while so will try to post each day how my spending (or not) is going and work out how to finish paying the other half of my debt off.
I will have to sit down and figure out just how much I owe each of my creditors now and get to work at snowballing again, thankfully the highest APRs are all paid and now I am paying for the other debts on schedule payments that I set up in 2013 and have remained steadfast in paying. What I haven't done is pay more as I started to earn more. I set up my own business and am now earning from it too so hopefully it will all come together soon.
Sorry for the ramble everyone but I needed to start my diary honestly.
Love to all
K
I have tied and failed at getting debt free twice now but am back in the saddle and raring to go.
When I say failed, I have improved my circumstances greatly and my debt is about 1/2 what it was in 2013 but I have found that an old vice has returned to haunt me.... Gambling.
I haven't been on a site for so long but we just got back from a family reunion in California and I spent 3 days in Vegas and came out a winner, the problem is that since I got back from holiday I have gambled away about £500. Just gone...:mad:
I have therefore decided that I need to make this my home for a while so will try to post each day how my spending (or not) is going and work out how to finish paying the other half of my debt off.
I will have to sit down and figure out just how much I owe each of my creditors now and get to work at snowballing again, thankfully the highest APRs are all paid and now I am paying for the other debts on schedule payments that I set up in 2013 and have remained steadfast in paying. What I haven't done is pay more as I started to earn more. I set up my own business and am now earning from it too so hopefully it will all come together soon.
Sorry for the ramble everyone but I needed to start my diary honestly.
Love to all
K
Debts: Vanquis, Avon, Lowell, Gothia, Natwest, Capital One, Very, Cheque Centre, Loan Xtra, Txt loan and WageDay Advance. Total 3589.39/7910
POAMAYC in 2013: 82.61/4000
POAMAYC in 2013: 82.61/4000
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Comments
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Just popping on to wish you well mrskro, you'll get lots of sympathy here! Do you feel up to doing a SOA? It's amazing what a fresh pair of eyes can sometimes make of our budgets.PAD: £4843.10 (loan paid, yay!)
One debt vs 100 days: £288.73 / £750
£20 a day: March £838.97 / £620 April £224.53 / £600
Total debt 04/2015: £13,997.510
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