My so called friend MR DEBT only has 36 months left to live

12_month_challenge

Upsidedown_Bear wrote: »

:rotfl: Love it

These little things always make me smile
x

12_month_challenge

Hello MSE world :hello:

Well not too much to report on the debt busting front Its that time of the month where I am waiting for my pay day. CC statements are due in about a weeks time. I am getting impatient again :mad: I have to stop doing this.

Although I have managed to pot some bits and pieces into my sealed pot and its getting quite heavy now

Logged into my target CC account and my limit has been raised by £3000 :eek: (no offers of 0% though) This is what has got me thinking again. The figures are all going round in my head and even if I were offered a deal it would initially put my debt total up as there are charges for transferring.


Ive had a few wobbly moments on my debt free wagon this week. Not spending but I have been thinking I need a new this or I want to decorate that. Have to give myself another talking to.

I know that once my CC statements come in my total will go below £29,000 so that may give me a little boost.

Maybe once my target CC has been paid in full I would get a deal and transfer a big card back to 0%. Its currently on 6.9%

Apologies for the pointless rambling but this is what is going round in my head. :mad: Feeling angry with myself again today.

Help,please send me some positive vibes. Mine seem to be fading :eek:

Happy rainy weekend all
:A

Upsidedown_Bear

Hello

It's difficult isn't it when paying off debt - you want to pay something off every day but only get paid once a month.:cool:
The point is you are paying off your debt :dance: You should be proud of yourself not angry :kisses3:

Lots of rain here too. Only went out to buy milk and a lottery ticket - £57.8 million jackpot :shocked::shocked::shocked:



Feel free to ramble as much as you like

12_month_challenge

Hi Bear

Positive vibes received loud and clear, Thank you :rotfl:

I do want to pay something every day you're right. I know I cant so its plod along as usual then

Just had a long walk with pooch. It was cold and damp but cleared my head a little. OH is at football all day (watching,not playing)
so I have had a very relaxing day and shouldn't moan really.

As for the Lottery, I have my ticket here too. If I won it I would keel over with shock and not be able to spend it anyway :rotfl:

Here's hoping eh
x

Bobarella

Hang in there. I know how you feel. Are you doing any little side hustles like surveys for example that would be generating a few £ per month that would be usable towards debt? Even if you were doing the surveys but not at the pay out limits it would feel like you were making extra. Just a thought for you. Have you got any annual insurances to pay for coming up? You could use cashback sites for those to try and earn more too.

I really sympathise with that horrid stuck feeling. Try to focus on one nice thing per day still that's what I do. Even on a dreadful day there will be something that's been a positive. A hot cup of tea. A warm blanket. The cat giving me nice head butt's

Chin up my dear

Bob

Upsidedown_Bear

12_month_challenge wrote: »

Hi Bear

Positive vibes received loud and clear, Thank you :rotfl:

I do want to pay something every day you're right. I know I cant so its plod along as usual then

Just had a long walk with pooch. It was cold and damp but cleared my head a little. OH is at football all day (watching,not playing)
so I have had a very relaxing day and shouldn't moan really.

As for the Lottery, I have my ticket here too. If I won it I would keel over with shock and not be able to spend it anyway :rotfl:

Here's hoping eh
x

12_month_challenge

Hi Bob and Thank you

I was doing surveys but nearly everyone said "sorry we have reached the quota" etc etc

I will try again may have more luck this time round. I suppose I am trying to run before I can walk. I do feel stuck though. Must be patient. Small steps is the answer I know that.

As for the cup of tea, that sounds like a good idea

A lady I work with always says "you English people think that a cup of tea is the answer to everything"

(She meant it in a nice way).

Whatever goes wrong at work she pipes in and says "oh quick put the kettle on" :rotfl:

Upsidedown_Bear

A cup of tea is the answer to everything

Doris17

Hello 12MC :hello:

I've been looking at my limits, no 0% for me just yet either. Sending positive vibes. We will get there.xx

12_month_challenge

Upsidedown_Bear wrote: »

A cup of tea is the answer to everything

I totally agree. I'm sitting here with mine right now
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