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What a mess...

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  • stvn1
    stvn1 Posts: 141 Forumite
    Debt-free and Proud!
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    SLL £ 960.00 : £ 0.00
    ACI £1386.60 : £ 0.00
    Moorcroft £ 690.47 : £ 0.00
    Rob Way £2191.00 : £ 0.00
    Shoosmiths £ 719.48 : £ 0.00

    Lowell £ 829.31 : £ 305.00
    Lowell £1348.19 : £ 767.72
    CRS £ 773.12 : £ 541.15
    Barclays £1039.00 : £796.23
    Cabot £1327.32 : £ 903.31

    Just updating my spreadsheet and realised that I had 10 debts and now have 5 with much reduced balances. I'm having a good day today. :rotfl:
    LBM 26/10/17
    Total debt at LBM - £15421.47
    NOW DEBT FREE AS OF 30/07/19
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,732 Ambassador
    First Anniversary First Post Name Dropper I've been Money Tipped!
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    Almost 75% gone. Well done.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
  • stvn1
    stvn1 Posts: 141 Forumite
    Debt-free and Proud!
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    enthusiasticsaver wrote: »
    Almost 75% gone. Well done.

    Thanks, it sounds good when you put it that way.
    LBM 26/10/17
    Total debt at LBM - £15421.47
    NOW DEBT FREE AS OF 30/07/19
  • Gemsy81
    Gemsy81 Posts: 182 Forumite
    First Anniversary
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    Can I just say, what an inspiring diary! You have done amazingly - great stuff :)
  • stvn1
    stvn1 Posts: 141 Forumite
    Debt-free and Proud!
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    Gemsy81 wrote: »
    Can I just say, what an inspiring diary! You have done amazingly - great stuff :)

    Thank you :)
    LBM 26/10/17
    Total debt at LBM - £15421.47
    NOW DEBT FREE AS OF 30/07/19
  • stvn1
    stvn1 Posts: 141 Forumite
    Debt-free and Proud!
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    I've just started chipping away at the Lowel debt with a payment of £10 to bring it to £295.

    I think I'm going to take a 'payment a day' approach to this one even if that payment is a small one.

    I can't wait until I'm done with all of this. Putting every available penny towards clearing debt definitely takes it's toll and it will be so nice to have that money available for nice things. That thought is keeping me going at times.
    LBM 26/10/17
    Total debt at LBM - £15421.47
    NOW DEBT FREE AS OF 30/07/19
  • NelliePie
    NelliePie Posts: 280 Forumite
    First Anniversary First Post
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    Just think of what you could do with the money once the debts are cleared!. Obviously you won't have to be so strict and can afford to treat yourself but also think about savings - do you have something in mind to save for? You're not very far away from being able to start saving, I found having a goal helped motivate me rather than saving for the sake of saving. Also if you are going to treat yourself make sure you budget for it first - no more loans/cc's!

    Keep going, you're doing great :)
    Little One born 19/12/18
    5/5/18 I became Mrs Pie
    FTB June '17 - £144k mortgage, £134k remaining
  • stvn1
    stvn1 Posts: 141 Forumite
    Debt-free and Proud!
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    NelliePie wrote: »
    Just think of what you could do with the money once the debts are cleared!. Obviously you won't have to be so strict and can afford to treat yourself but also think about savings - do you have something in mind to save for? You're not very far away from being able to start saving, I found having a goal helped motivate me rather than saving for the sake of saving. Also if you are going to treat yourself make sure you budget for it first - no more loans/cc's!

    Keep going, you're doing great :)

    Definitely no more loans or credit cards, that lesson is well and truly learnt. I haven't thought about it to be honest but my initial thoughts are to start saving for a new car. My current car is 2009 and will likely need replaced in the next 2/3 years. How nice would it be to save for a car rather than taking finance?
    LBM 26/10/17
    Total debt at LBM - £15421.47
    NOW DEBT FREE AS OF 30/07/19
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Name Dropper First Anniversary First Post I've been Money Tipped!
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    You're doing really well :) x
  • stvn1
    stvn1 Posts: 141 Forumite
    Debt-free and Proud!
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    Deleted_User wrote: »
    You're doing really well :) x

    Thanks :)

    I've made some more small payments to Lowell after some eBay sales. Down to around £280 now.
    LBM 26/10/17
    Total debt at LBM - £15421.47
    NOW DEBT FREE AS OF 30/07/19
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