We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1…5859616364…70

Comments

  • Upsidedown_Bear
    Upsidedown_Bear Posts: 18,264 Forumite
    10,000 Posts Combo Breaker
    Just dropping in to say hello and hope all is well with you and yours :)


    hello17.gif
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    edited 15 July 2016 at 5:28PM
    Upsidedown_Bear wrote: »
    Just dropping in to say hello and hope all is well with you and yours :)


    hello17.gif


    Hi Bear

    I'm still here and still chipping away at my mountain of debt

    Just terrible at updating my diary. :o

    Anyway I have managed to reach my first target and aim to sit down with good old fashioned pen and paper and look at my next target.

    It helps to keep me on track and something to aim for :)

    I still have my emergency fund and I am still potting bits and pieces for Xmas.

    Have been feeling a little low lately as I need to decorate my lounge, but wish I never had debt as I feel I shouldn't buy anything :mad:

    I will be OK just a bit fed up but need to stay focussed and keep going. At least I am making progress eh.

    On the plus side OH has been doing ok too. :)

    I need to keep updating as I find it helps. (note to self, stop being lazy)

    Also I received my first £50 payment from yougov surveys :j

    I hope you are well
    x
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    :hello:

    Update, After reaching my target of £9,000 :D I have now done a new snowball and realise I have only paid off £6,173.32 from CCs.

    I also have 2 loans outstanding as well. The loans are a fixed payment each month and so I tend to let them roll along. I have been adding the loan payments I make to my target that I was aiming for because it gives me a boost to see how much I am paying off in total.

    Its all very confusing but it makes sense in my head :rotfl:
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • Upsidedown_Bear
    Upsidedown_Bear Posts: 18,264 Forumite
    10,000 Posts Combo Breaker
    Hello :hello:

    Yay to meeting targets and getting £50 from yougov :T Glad to hear your OH is OK :)

    Maybe you could start a "Doing up the lounge" fund? Put a little bit less in the emergency fund and add the yougov money or something.
    Get planning what you want to do. Might make you feel a bit better if you have something specific to save for :)

    Enjoy your weekend :j
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    Upsidedown_Bear wrote: »
    Hello :hello:

    Maybe you could start a "Doing up the lounge" fund? Put a little bit less in the emergency fund and add the yougov money or something.
    Get planning what you want to do. Might make you feel a bit better if you have something specific to save for :)

    Very good point Bear.

    I will certainly look at doing that, I feel a little less negative now after I look at what I've actually paid off so far.

    Its amazing what a reality check can do ;)

    Have a good weekend too
    x
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    You are doing great, just keep going. We will all be at the finish line eventually.
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    Bobarella wrote: »
    You are doing great, just keep going. We will all be at the finish line eventually.

    Thanks Bob.

    Your total is coming down nicely :T

    I will keep going, I am going to start rounding down accounts again and sending small payments to one card. I have been a little lapse with this but need to kickstart it again as it really helps.

    This debt busting is hard going isn't it? :(
    X
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    :j Weekend arrives

    Was up early this morning and got started early.
    • All washing done - This wont last long :(
    • Dog Walked
    • Hoovering done
    • Kitchen cleaned
    • Shopping on its way
    • one bed changed - 2 to go
    Just having a coffee and rounding down accounts so made a small payment of £6.00 to CC. :)

    Feeling like I am getting back on track. A productive morning so far
    x
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • AnxiousHomemaker
    AnxiousHomemaker Posts: 64 Forumite
    Hi, love the diary title! had a quick scan over some posts but will have a more thorough read over the weekend, just wanted to say hi! x
    No one is going to stand up at your funeral and say
    'she had a really expensive couch and nice shoes'
    3-6 months emergency fund #58: £15/£500
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    AnxiousHomemaker wrote: »
    Hi, love the diary title! had a quick scan over some posts but will have a more thorough read over the weekend, just wanted to say hi! x

    :hello:

    Hi

    The title of my diary came at a time I was feeling a little over ambitious :rotfl:

    However I now have my head well and truly out of my back side and I am chipping away slowly at my mountain of debt and will probably end up debt free in approx 60 months if i'm honest and realistic :eek:

    Anyway welcome and stick around its all fun on this site and I have learned so much. Just need to stick to what I've learned. :o

    ps: Love the signature, how true is that
    x
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture