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

Upsidedown_Bear

12_month_challenge wrote: »

It would've been rude of me to refuse some free money

Yes it would :money: Enjoy the rest of your weekend

12_month_challenge

Upsidedown_Bear wrote: »

Bears are lovely

12_month_challenge

:(:(:(:(:(:(:(:(:(:(:(

Emphasising the sad face

Skulking back in today with a new signature. :eek:

Have made a balls up and made things slightly worse. :mad:

Thought I was being clever and juggling CCs around. With the transfer fees etc its gone up. Teach me to do the maths before I dive in head first. However overall I will be better off it just wont show now.

I have also used a chunk of my EF to pay off something that was just going down by a little each month. So I decided to pay that and technically I will be a little better off each month. Will continue to add to this and bring it back up again.


It all makes sense in my mixed up mind

Pay day tomorrow and I have more wages that expected this month and no council tax for 2 months so a bonus there.

If my so called free money doesnt materialise on my 2 BCs tomorrow I will ring back to close them.

Having them hanging around will put temptation in the way.

I have, however still paid a chunk off so far

Please dont make me feel any worse than I do at the moment

Must be careful not to fall over all of my valentines flowers from OH :rotfl::rotfl::rotfl: (not)

Bobarella

Love why would anyone make you feel bad? You are trying your hardest to get things sorted. No one can knock you for that. Balance transfer fees do make things go up for a bit but they quickly resolve themselves. I admire your efforts.

Upsidedown_Bear

^^^ What Borbarella said

Do you have room for more flowers? :D

12_month_challenge

Thank you Bob

It means a lot not to be judged :A

I have my true figures [STRIKE]now[/STRIKE] again and I know what I need to do. I have a new snowball and will move forwards with it.

I will be paying another monthly snowball payment on Weds/Thurs and this is the one I overpay on so it will bring it down again.

Its a small hiccup on my journey and I refuse to let this beat me

12_month_challenge

:wave:

Ahh thanks Bear they are beautiful

I was actually scared to post with my update :rotfl:

12_month_challenge

Bob you are doing so well

I just noticed your signature :T

Keep going

Upsidedown_Bear

12_month_challenge wrote: »

:wave:

Ahh thanks Bear they are beautiful

I was actually scared to post with my update :rotfl:

Scared of us? :eek: I didn't realise we were scary :rotfl::eek:

nextyeartina

Just read your diary from beginning to end. You're doing so well . You sound like me in parts. I have an EF and a few debts that are close to being paid off. I'm tempted to use the EF to pay them off just so I can tick them off my list but know I won't pay the EF back and will feel lost without it.


Tina x