I want to believe I can do this!
pidge04
Forumite 779 Posts
Is this how I start a diary? I don't know whether anyone would want to read it but I hope it will keep me focussed and on track to becoming debt free. I am inspired by the diaries I've read here and would welcome advice when I get started.
CC £4,012 left to pay (was £5400).
0
This discussion has been closed.
Latest MSE News and Guides
Replies
Overdraft And 1 credit card paid off.
2018 plans - reduce debt
Here are my hideous debts:
Loan: 29 payments left of £227.52 a month = £6,598.08
Barclaycard £2369
HSBC £2695.
I need to do a SOA. I will prioritise that this week.
And I have the opportunity to boost my income (I take home £1445 a month plus £82.80 child benefit) so I need to plan and organise how I am going to start that.
Jobs to do: SOA, boosting income and an eBay sale this week.
I read here somewhere, someone had said they need to feel like they're doing something everyday to pay off their debt. I feel exactly the same.
Hideous. Full of self-loathing for the situation I have got myself into. Pleased I have been making positive steps and generally going in the right direction. I really want to do this. I never want to be in debt ever again when this is all paid off.
Solicitor/survey savings 300/1700
Emergency fund 0/1000
Buffer fund 0/200
(Sorry I'm not sure how to reply directly).
You taken the all important first step and we will help to support you along the way...
We all started off unsure of what we we're doing at first (I know I did! ). The folks on here are a great bunch
If you need any info or advice just post about it and someone will come along to help.
You will get there and we will help.
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.
I totalled up my loan debt, 2 credit cards and 2 overdrafts. £13,000.
I emailed a company who look for trainers and consultants in my field.
I don!!!8217;t feel it!!!8217;s hopeless!
The past is done, no good beating yourself up-doesn't get us anywhere (I've done it and buried my head for so long and all that resulted in more debt!)
You should be extremely proud of yourself for taking this step because it's far from easy to rally those numbers up and see them in black and white. This debt will not be forever and all you need to do now, is give it absolutely everything you've got and get back and track.
We are all here to help each other and encourage each other, so any good or bad days get it down in your diary, it's great to look back on and see how far you've come.
Really wishing you all the best on your debt journey-remember this isn't forever, just a blip in the road.
Good luck, you've got this!