Joined 31.05.16

[Deleted User]

Whinge away PSL, we all do it.

Dxxx

System

The spendings ok if it was not on a credit card .

Hooray to the Ioan being gone .

reality_check

Great news about the loan!! :T:T:T I think it would be a good thing for you to keep the loan amount as your own personal spending to do with as you please! But...when it's gone, its gone...this way you should (hopefully) only ever see the debt going down and have your own money to spend and not feel guilty about doing so xx

Poor_Single_lady

Thank you lovely ladies.
I think I am going to follow in the footsteps of Goingtodit and stage my own intervention on myself.
Got too much debt, doing silly spending and not going down quick enough.

I'm going to pay off the loan and the overdraft and when this is done start a new diary of credit card debt only.

Good Thingd
1. All debt ex overdraft at 0%
2. 1 credit card with Dad
3. Loan to be paid off very soon and payments reduced
4. Socialising reduced
5. Drinking a Lot less
6. Spending quality sober time with friends rather than being drunk
7. Safe journeys home (not drunk)
8. Better diet (ignore weight gain)
9. Almost emptied freezer
10. Flat is far from perfect but livable
11. Time to studying and consequently exam pass
12. Reduced spending on beauty products
13. A budget
14. More time for reading and films
15. A plan for the debt
16. Payments are up to date and no missed payments.
17. Good credit score and availability of credit (for now)
18. Well fed and never hungry

Have got to sort this out before it wrecks my life.
So letting all the payments go out of the account and concentrating on the overdraft. And declining most social invites for the moment.

System

That's great PSL but make sure you have some fun . Look forward to seeing how the cc debt busting goes after the loan and overdraft have gone .

enthusiasticsaver

You sound determined PSL. I hope you succeed and will be cheering you on. Lots of positive things. Get that overdraft and credit cards cleared then things will look so much brighter.

Verbatim

Wayhay!!
Well done Psl. That's excellent. You've got a budget and the light bulb is on.
Keep at it and you'll make real progress now. Once you decide getting shot of the debt is the priority I'm sure you'll become determined to see it through.

DaringToDream_2

Hey PSL, great to hear you sounding so motivated and enthusiastic, it'll be all up once that millstone lf a loan is gone from around your neck!!

Just make sure you let us know what your new diary is (when you start it) so we can find you!! Xx

coastalchick

well done PSL! Great post. Lots of luck and love xx

Poor_Single_lady

Thank you very much everyone.
Quick post. Busy evening tonight but wanted to note the loan is gone

Now onto the overdraft.not sure of figures as some clothes are going back and bills about to go out.
But from next month no loan payment which is massive.