Counting Down from £15K

ryanm8655

purplehippo276 said:

Payday, so phoned up HMRC and paid off the last of my debt with them! This debt has been part of my life for three years now, and felt like the catalyst for spiralling me into greater debt. My money situation was precarious - I really relied on the couple of hundred pounds a month I got from them to help with childcare costs. When that stopped things got tough, and then when I started having to pay the overpayment back through the monthly direct debit, that was when I started having to put things like petrol and food on to my credit card to get through the month. Paying this off really feels like turning a corner.

Love when the symbolic debts get cleared...almost there now!

purplehippo276

It's been a while, but I'm still here, still counting down from £15K! Turns out I can't focus on two big things at the same time.  I have been trying to lose weight, and since March I've lost 12lbs and still counting. Turns out that needed all of my focus.  

I've got one debt left to pay - a loan of around £1300 I think it stands at now - however I have just been paying the minimum direct debit each month since March. Around then my husband and I decided to think about moving house, so have had to pay to fix a few things up, so we get top dollar for our house. All my spare money is going there right now, so that's the priority. On the plus side, I have a nice garden for the first time ever. Secretly hoping it takes us a little while to get round to selling so I can enjoy it this summer if the bloody sun ever comes out. 

DayDreamerandGeneralWaster

I agree it is hard to focus on 2 things at once, l'm the same. Set it and forget it works well using direct debits 😊