Desperately seeking freedom :)

HairyHandofDartmoor

I shall check out the PPI stuff as soon as I get a breathing space.

Hope you enjoyed lunch with your aunt and the walk. I love autumn walks

HairyHandofDartmoor

AleMrsT wrote: »

There is loads of help and advice on here, I recently convinced OH to do his, he did it all through resolver as recommended on here, so far he's had just over £1000 back and is still waiting to hear the outcome of the last claim. Well worth doing, he did have the account numbers for two of them but not the others.

Thank you that is very encouraging. How lovely to get over a thousand pounds

missmental123

I actually get paid tomorrow but I've got a busy few days ahead, so I'm a day early posting my up to date figures.

I have paid off 14.9% of my debts;

CC1 was £4,335.75 - now -£3735 0% til 04/18
CC2 was £1,055.18 now £1451 -0% til 04/19
CC3 was £7,273.58 -now £6573 0% til 04/19
Loan - was £10,042 - now £8320 finishes March 2020
Overdraft was £1100- now £0
Total:was £23,806.33- now £20,250

I am really happy with this:j
But November will be testing.. lots of nights away! and lots of fun! means lots of cash! I need to make sure that I keep some control of it all. I'm on schedule to be under 20K in debt by next month.
Hope everyone has a great weekend...I'm off to see Metallica on Monday (DH's treat!) & Brandy Clark tomorrow,

HairyHandofDartmoor

That's good progress paying off over 14% :T, not long until you get under 20k now

missmental123

I have been absent fro a while... had a busy month but....I've hit the sub £20 k mark!!

CC1 & CC2 are now combined in Virgin 0% until 2020 - paid £250 - balance £4961.71 (no fee)
CC3 was £7,273.58 -now £6245.- 0% til 04/19
Loan - was £10,042 - now £8033 finishes March 2020
Overdraft was £1100- now £0
Total:was £23,806.33- now £19,489.71 - total paid £4425 - 18.5%paid

I have still not spent any money on clothes / shoes for me since July. I am not even tempted.
I'm still using my spending / budget app, although I November has been difficult due to lots of nights out /away.
I have a budget for Xmas presents that I'm sticking to.
I have started saving a bit ... £150 so far...!

Here's to a Happy December everyone.

missmental123

Hi everyone! Belated Happy New Year wishes!

We have been hit badly with the flu... today is the first day since 28th that I can function even slightly. so overall, it's been quite a miserable time, so I'm trying to look for positives that may have arisen from feeling so awful. I did not spend a lot of money between Christmas and now...bonus! Hopefully this may even out the extra spending in December.

I did stick to my pledge that i made back in July 2017 not to buy any clothes or shoes until December. I did end up buying myself a pair of black smart trousers and some going out shoes as a treat! But as I have managed so well without I'm going to continue to not buy unless I really do need stuff.

I felt really miserable at the beginning of December, having no holidays to look forward to, so I booked a cruise for DH & I for December 2018. We used to cruise years ago with the children , which is probably where I built up my debt, but I needed something positive to focus on I didn't think it was too expensive as it's all inclusive / drinks etc. I'm putting money aside for it every month in a savings account.

I went slightly haywire in December with all the present buying & my budgeting app was forgotten ! Some of this Christmas shopping was paid for on an interest free CC. My balance is £576. I hope to pay this off by the end of February with some overtime I've worked.

I'm still paying my debts off... at approx £700 a month. I hope to be below £16 K by the end of May!!!

DS 2 reminded me over Christmas that he only has 6 months left as a med student..meaning that by August he will be earning at long last and that we will no longer have to support him financially as we have done for the past 6 years & will be hopefully better off!

Here's to hoping 2018 is a great year!

missmental123

I've had a bad start to the year. Lost all momentum with budgeting, I bought a posh dress in the sales, but I love it, so I'm keeping it! It''s for my son's graduation,I'll be so proud, I'll probably cry tears all over it!

So,I'm a bit overdrawn, stopped using budget app and forgetting to ask myself if i need things before I buy. But all is not lost, I know I can get back on track if I focus and pop back on here for support and inspiration.

I've looked at my figures, it's still looking good but could have been better!
Debt July 2017 - £23,806.33
Now- £18,181
Paid £5625 or 23%

Goals for March-
Ask myself, Do I need it?.
Set a £100 weekly budget.
Work 2 extra shifts.
Come on DFW at least twice a week ! It helps!

missmental123

Hi,

How have we got to 10th May already? where did this year go? I have been working far too much, doing lots of nights cos I get paid more for them, but it's seriously affecting my health,I feel like a zombie a lot of the time, hence I forget to come on here

Just been checking my balances and I have paid almost £7000 since last July. All my debts are interest free still and my snowball is currently at 30 months till my DFD! But hopefully this will be sooner after we've stopped paying for DS at uni.

I am really looking forward to some sunshine this summer particularly as we have no holidays planned this summer. Paying my debts off is my priority but at times, it can be quite miserable and not much fun!

missmental123

I'm still here! I really need to get back into the habit of budgeting again. I have gone off track, losing track of my finances, mainly because I've had to pay so much out for DS2 in his last year at university. August will be the last time I have to give him money as he gets his first wages at the end of the month! His graduation day was emotional, we were so proud of everything he has achieved to become a doctor. It was worth every penny that we have spent on him.

So my current debt balance is £16,670. I aim to get this down to £14,000 by Xmas. I'm stopping buying clothes, shoes again and going to use the app I used last year that helped me so much. I also need to come on this forum for inspiration & support. .