The long haul supporters thread...

millionaire_in_training

ISOM. I am so sad that as soon as a payment con=mes off my account or I manage to pay a wee bit extra I go straight onto the snowball and put it in. I hope to see big changes when I pay off that extra fiver :rotfl:. Never happens but the day I lose hope is the day I will give up. At the end of the month I then input the interest that has been added to my accounts ( now that depresses the hell out of me) and then start again with the payments. It sickens me how much I pay each month in interest but I cant get balance transfers anymore. ONce my debt goes down a few thousand then I will apply again but need to slog away with it as it is at the minute. 0% interest makes a massive difference to the snowball. Just ask me if you have any bother xx

Happytogetdebtfree

Hi mit im in the same boat re credit cards i cant get 0% or balance transfers :-) but eventually it will be all gone and them companies can go dance so keep the faith xx

annibee

Well my plan is ruined - doubt we'll reach anywhere near our target
As most of you know oh lost his job that ended tuesday and he has nothing so far not for lack of trying theres just no f'ing jobs :wall:

Now because my manager in work was late handing some paperwork in they were going to deduct 550 odd quid from my wages for the month! :eek: luckily the guy in payroll was a sweetie and said he'll split it over 2 months but thats still a lot of money to lose - as Im already losing money because im on maternity pay.

This month we are 460 short for bills and thats not even including eating

every positive step forward I hit a mine and get sent back 3 spaces

sorry all just had to rant








:wall:

millionaire_in_training

Happy, I will do. Just galling all the money that goes out and majority eaten up in interest but then again only person to blame is me. I'm not a stupid person, I knew they had to be repaid and on what terms so I should just stop whinging

Anni. That is cr*p. I feel for you. SO rotten when you are trying so hard and get a knock but it will get better (((((hugz))))))

annibee

Thanks MIT feel like every good move I make is punished.... wouldnt be half as bad if the debt I stress myself out over was anything to do with me but alas its oh's from before we met.

Happytogetdebtfree

Annibee sometimes life comes to try us and it really does pull all the right strings but when it does just remember its not the end of the world if some things bounce what matters is your still trying you can only pay what you can afford and if you show willing thats all you can do hopefully oh will find a job again soon keep chin up and keep posting xxx big hugs x

millionaire_in_training

Anni I know I dont know you but from what I have read I reckon you are a steely one. I have balls of steel lol. I usually let things get me down for 1 day only then I get up and fight. My friend and I regularly laugh at each other if we are on a a rant as we are both the same and a wee sleep works wonders. Hopefully tomorrow your mojo will be back x

Happytogetdebtfree

I like your motto MIT :-)

annibee

Thank you htbdf and mit

Im feeling ok today - Mit you are right I cant dwell too long on things coz I know it doesnt help.

Yes its going to be a hard ol couple of months but I have my oh, my wonderful son and my lovely new baby growing away so I am full in other parts of life. So what if I dont meet my target this year we'll just have to work harder next year we'll clear something and anything clear is a plus

Happytogetdebtfree

I know its an off chance but have youi thought of ringing companies explaining situation and maybe they can offer reduced payments for a few months untill oh finds a new job ?? xx good job i hecked my bank it seems even though i have paid some of my credit cards before direct debit date they will take the direct debit amount still its okay on teh virgin as im overpaying ive just had to canel the other direct debits ive already paid them i dont want to pay them twice !! cheek of it eh xx