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Debt Be Gone
booksandbacon
Posts: 45 Forumite
Here it is. No more excuses, no more hiding. I'm getting rid of this debt.
£36,294
THREE SIX TWO NINE FOUR.
I could travel for years on that.
And that's what really gets me, I always put it off because "oh I couldn't afford it yet". Well apparently I could but I'd rather spend the money on utter nonsense. £36,294 later and nothing to show for it. This is less of a light bulb moment, and more of an all the lightbulbs smashing at once like in a horror movie, leaving me standing amongst all the broken glass facing some sort of Debt Hydra.
I'm...FUUUUMING. :mad::mad::mad:
Credit cards, personal loans, overdraft and payday loans - yes, payday loans plural. And it's all just gone on stuff and things that I don't even care about it. It's gotten beyond our control, nothing getting paid off properly the money just moves around in a spiral gradually getting bigger and bigger. Sometimes there's a good month, sometimes a bad month, most of the time a barely-scraping-by-but-not-really month. I don't want to live like that, it's utter sh...erm, rubbish.
Well get ready for some debt vanquishing!
Balance: £36,294 :mad:
Creditors: 14 :eek:
Debt Fighters: 2 :beer:
Savings: £0
DMPLand, here we come...
Edit: Starting debt is actually £36,323.37 :mad:
£36,294
THREE SIX TWO NINE FOUR.
I could travel for years on that.
And that's what really gets me, I always put it off because "oh I couldn't afford it yet". Well apparently I could but I'd rather spend the money on utter nonsense. £36,294 later and nothing to show for it. This is less of a light bulb moment, and more of an all the lightbulbs smashing at once like in a horror movie, leaving me standing amongst all the broken glass facing some sort of Debt Hydra.
I'm...FUUUUMING. :mad::mad::mad:
Credit cards, personal loans, overdraft and payday loans - yes, payday loans plural. And it's all just gone on stuff and things that I don't even care about it. It's gotten beyond our control, nothing getting paid off properly the money just moves around in a spiral gradually getting bigger and bigger. Sometimes there's a good month, sometimes a bad month, most of the time a barely-scraping-by-but-not-really month. I don't want to live like that, it's utter sh...erm, rubbish.
Well get ready for some debt vanquishing!
Balance: £36,294 :mad:
Creditors: 14 :eek:
Debt Fighters: 2 :beer:
Savings: £0
DMPLand, here we come...
Edit: Starting debt is actually £36,323.37 :mad:
0
Comments
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You've faced up to it. Well done and good luck.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Good luck and happy new diarydebt consolidated 16/8/18 £9,788.01/£12,618.12
(Total debt at LBM 1st Jan '18 c..£19.5k)
EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8%
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Go get it done! Good luck on your journey xxxThis is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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Probably going to be a long journey but well done in starting it and all the best in getting there.0
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Hello and welcome
If you need any advice or info just post up and one of your friendly neighbourhood DFW's (Debt Free Wannabes) will be along to help.BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
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.0 -
Good luck
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Hi booksand bacon
I've popped over to your diary to cheer you along and wish you luck on your journey. Ask lots of questions and read, read and read some more. It's what has got me to the point I am at now, still a long way from the finish line but certainly heading in the right direction
You will too
Good luck
MEmptying my lake with a teaspoon0 -
Just discovered your diary.
Subscribing. Good luck on your diary LBM: March 2018, Aiming for a DFD of December 2019
Pay ALL your debt off by Xmas 2019 Challenge #07
€9,776.14 / €20,075 (48.7%)0 -
Hi booksandbacon,
Hope all goes smoothly setting up your DMP. We had a similar level of debt when we started our DMP, going down in the right direction now.
Good luck on your journey.
Robin.SPC 0760 -
Good luck!
I like your priorities as set out in your username, may I suggest adding cheese to the list?
:rotfl:0
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