The long haul supporters thread...

Happytogetdebtfree

Haha clara b no london is not cheap i should know we went for a friends 30th and didnt bring change from 1k :O omg xx the sooner the debts gone the sooner i wont wish i hadnt spent that much cash ehe x

Happytogetdebtfree

Afters all what to do what to do im in dilema well basically i wondered if i should save to pay my homeowner loan off which is 218.28 but each month we only clear 87.some pence off so very little i figured then we werent tied down when the houses start movuing we could sell and move to parents when the time was right ? i just wondered if it would affect my dfd or if i should plough on with original plan ? what do you lot think the loan is secured against the house so if we sold we need to make enough to clear it sort of thing which is unlikely xx

Keeping_Positive

General rule is clear highest APRs first.

Happytogetdebtfree

i had a moment of weakness i nearly applied for a bad credit loan but oh saved me .... il stick with original plan, loan is 7% but over 30 years so you can imagine lol lol.... wondered though since we have two credit cards that re active to use that are 14 % if we pay them and then keep transferring the high intrest balances on to them would it save us cash ? 3 of our credit cards are 26-27 %

Keeping_Positive

Yes clear the 26-27% cards first by either payment and/or balance transfers to better APRs. It should ensure you pay less interest in the long run.

Well done on OH, sounds like he'll be a good Hubby.

Happytogetdebtfree

im up and down and im 25 one day i feel top of the world i can fight this stuff the next day i feel so low fed up and hate the world !! what is that about i make plans i see an end but still i get down why is this.... ive just found your diary x

Keeping_Positive

I sympathise about being up and down all the time so tiring and frustrating. Just keep plugging away and think of all the positives. Good job, lovely financee, A great wedding to look forward to that you are thinking about in a reasonable DFW way.... The debt is a downer but with your excess itll be gone in no time.

At 31 I still dont feel grown up if that makes sence and I have 3 kids to look after!

Happytogetdebtfree

Its crazy im fed up but i wil probably feel better when numbers reduce ... ahhh id be in a tizzy if i had kids and debt im strerssed as i am ... ive big dreams so i neeed to keep it real ;d xx hopefully sunshine will keep us happy xx

Happytogetdebtfree

Ive done a customized countdown for my dfw date hehe xx

ramblingtree

HTGDF - Keeping Positive is right, stick to the plan! Having read your numbers and plans to pay off, it seems so doable and not that long in the grand scheme of things.
And yes, your future hubby sounds very sensible!
Keeping fighting on, every day is a day closer to all our money being our own!!
:beer: Have a friday evening beer on me...