10 years here. My final diary this time!

clearmydebts

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/discussion/5448481/mopping-up-the-mess-my-final-debt-free-journey

savingholmes

HI CMD - Sorry you haven't made the progress you'd like but would love it if we could cheer each other on like we used to. Hope you get the carers allowance soon.
SH

clearmydebts

savingholmes wrote: »

HI CMD - Sorry you haven't made the progress you'd like but would love it if we could cheer each other on like we used to. Hope you get the carers allowance soon.
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

DebtFreeMonkey

You got this I look forward to seeing all your wins! following this diary:D

clearmydebts

Alicia1804 wrote: »

You got this I look forward to seeing all your wins! following this diary:D

Thanks Alicia. Have popped over to yours to say hello too!

clearmydebts

Had a fairly productive evening last night. Bagged up some of my clothes and some of the kids toys (they picked them themselves) to give to a charity that my Granny collects for. I probably need to declutter a whole lot more but it's a start!

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!

clearmydebts

H gets paid either tomorrow or Saturday so I am looking forward to making a small dent in some of my figures!

beanielou

Happy shiny new diary

clearmydebts

beanielou wrote: »

Happy shiny new diary

Thanks very much for the support!

clearmydebts

Had a very productive but expensive day getting stuff for the kids going back to school and also had to get DD new glasses as her prescription changed.

Looking forward to H getting paid so I can make a start on my repayments. Feel like I'm somewhat in limbo until then.

savingholmes

Decluttering is good for the soul - it helps someone else and makes room at home just to breathe and be. Great target for debt repayment. It is also good that this time you know where the debt originated from and they were planned events rather than fritter spend. You can do this.

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.