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Working Hard Debt Diary - Here goes
Comments
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I can completely understand. Sometimes reading stuff on here can make you realise how lucky you are and at other times how close we all are to the edge.
You've gotta remember how much you've already paid off, how you're reducing the debt each month. You know you're income, y ou've probably reduced your outgoings to the min.
If you've any room to manouver its about keeping those costs low, are you using 0% deals etc. Clearly the other factor is keeping your income. I guess from what you post that your work is in a profession thats always needed.
Take each payday at a time and focus on one debt at a time.:)Working Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0 -
None of our debt Is 0% our credit rating is poor and we can't get any good deals so we have to stick it out boo! I know what you mean I know I've done good it just still feels like a big burden at times I almost feel like pretening I didn't have the shocking number in my head it's scary for someone as young as myself 26 :-/ it's terrible!I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Its not good whatever your age but forget the big numbers and focus on one card at a timeWorking Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0
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Ai I guess so :-/ must keep positive too much time thinking and looking :-/I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Its hard though and we all get hacked off with it but small steps and all thatWorking Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0
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Baby steps is the way.
Keep plodding!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
yep plodding away and trying to not focus on the big numbers :OI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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i think it helps each time you dip below another large number, or finish paying off something - it's what keeps me motivated-ish;)0
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Another payday down and a little more paid off the debt. Not much though at this point since I've rejigged the finances and will have to wait to OH's expenses come in to see much more of a drop.
We've got a fair bit of CB money due but it seems to take ages at present.
Just renewed the Home Insurance knocking £25 off the renewal quote and getting £28 cashback. Lets hope it tracks. Mind you they seems to have ignored my start date and taken it immediately so thats a phone call tomorrow to sort it out!
Update of signature now, don't hold breath.Working Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0 -
Even a little off the debt is good!!
HTGDF - remember, I had a crap credit rating and was stuck with high APRs and no ability to get a lower rate. This was for £100k of debt, and we felt as though it was never going to go. Our income was short of our basic bills, mortgage and debt repayments by over £1000 a month for a lot of it, and I had nightmares about the bailiffs turning up.
But little by little, it came down.....and now the end is in sight - and it will be for you too, Keep going!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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