10 years here. My final diary this time!

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My signature looks horrendous but isn't as bad as it seems. It is a combination of getting the kitchen extension done last year, a car loan and holidays.
I have been here 10 years now and have my no inroads into my debt other than the debt now is at least paying for proper things like extensions and cars rather than who knows what. However, I am sick of it and need to get rid of it.
Last year I went full time in a well paid job in an attempt to pay off some debt but it ended up being the job from hell so I quit before the summer so I could spend the summer with the kids (aged 7 and 9). I am entitled to some carers support as the 7yr has some extra needs (mild) so am waiting for that to kick in (16 week delay)so there is no immediate rush on me getting a job. I do have some savings but have been keeping them until the carers kicks in and then I can overpay.
As two of the credit cards are on 0% until next June my plan is to overpay Loan 1 and get it down to €16000 so I can add Loan 2 to Loan 1 and just pay what I am currently repaying now. Then I will concentrate on the credit cards.
I will aim to pay off €1500 per month.
Previous diary:https://forums.moneysavingexpert.com/showthread.php?t=5448481
I have been here 10 years now and have my no inroads into my debt other than the debt now is at least paying for proper things like extensions and cars rather than who knows what. However, I am sick of it and need to get rid of it.
Last year I went full time in a well paid job in an attempt to pay off some debt but it ended up being the job from hell so I quit before the summer so I could spend the summer with the kids (aged 7 and 9). I am entitled to some carers support as the 7yr has some extra needs (mild) so am waiting for that to kick in (16 week delay)so there is no immediate rush on me getting a job. I do have some savings but have been keeping them until the carers kicks in and then I can overpay.
As two of the credit cards are on 0% until next June my plan is to overpay Loan 1 and get it down to €16000 so I can add Loan 2 to Loan 1 and just pay what I am currently repaying now. Then I will concentrate on the credit cards.
I will aim to pay off €1500 per month.
Previous diary:https://forums.moneysavingexpert.com/showthread.php?t=5448481
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 2034
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 2034
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SH
Ah SavingH. It's so lovely to see a familiar face on here! Am going to pop over to your diary now and am definitely up for cheering each other on like the old days
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 2034
Thanks Alicia. Have popped over to yours to say hello too!
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 2034
Also inspired by the PPI claim win by SavingH I applied to MBNA (credit card) and RBS (loan) to see if I'm due anything. The only thing is they were taken out in 2004 and 2005. I also applied on behalf of H for a refund on his Royalties Gold packaged bank account as that definitely was mis-sold. At least the complaints are in! How timely that I returned to MSE just as the PPI deadline was looming.
Busy day ahead today. Need to go to jewellers, optician, drop charity bags, buy school tracksuits and return library books. The kids are still in their pjs so need to move them on!
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 2034
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 2034
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 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.
It starts with you, it starts from now. *** It is ok to be me.***
***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
Thanks very much for the support!
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 2034
Looking forward to H getting paid so I can make a start on my repayments. Feel like I'm somewhat in limbo until then.
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 2034
I know that limbo feeling - I paid £300 early this month just so I would see some progress. Now we've cleared a couple of the debts and stopped using a couple of CC that we have cancelled - some of the 'earlier' in the month cards are now gone which is great but feels slightly strange.