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Three years to get debt free

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Comments

  • SusieT
    SusieT Posts: 1,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    If you can get it gone within the 12 months or less if you pay at the current rate then go for it. Once it has gone you can go forwards knowing that you have completely cleared ex out of your life, and everything you do now is for you.
    Credit card debt - NIL
    Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
    Mortgage 64,513/100,000 End Nov 2035
    2022 all rolling into new mortgage + extra to finish house. 125,000 End 2036
  • SusieT said:
    If you can get it gone within the 12 months or less if you pay at the current rate then go for it. Once it has gone you can go forwards knowing that you have completely cleared ex out of your life, and everything you do now is for you.
    Thanks Susie. 
    12 months will be a challenge but if I can motivate myself with this one debt, I’ll feel better and be better off long term. 

    X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Had a lovely day yesterday.
    DD’s clubs dominate the morning but then I came home and taught my sister and her friend how to make a wreath. We had some mulled wine and before long it was 7pm and we’d had fun in the afternoon. Their wreaths look amazing though.


    The bottom one looks messy but it was just waste. Once I picked it up, it was fine. 


    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Sun_Addict
    Sun_Addict Posts: 24,172 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The wreaths are beautiful, well done 👏 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • The wreaths are beautiful, well done 👏 
    Thank you, I only told what to do. I didn’t make them all. They seemed really pleased with them though and now they know how to do it next year. They have said though that they want to do it again with me next year! 
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • IzzyBee
    IzzyBee Posts: 2,686 Forumite
    Fifth Anniversary 1,000 Posts Photogenic
    Love the wreaths 
  • IzzyBee said:
    Love the wreaths 
    Thank you. I love doing them x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Loan is now on the credit card. I will see how I treat it now it’s on there. I’m already twitching about it 😂
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Your wreaths are very nice . 
    You have a target now for the CC am sure you will smash it .
    Are you feeling any better ? 
    Life is an adventure, never stop exploring.

  • Your wreaths are very nice . 
    You have a target now for the CC am sure you will smash it .
    Are you feeling any better ? 
    Thank you.
    yes, not being in work has reduced the anxiety a lot but the thought of going back increases it! The DR is very much looking out for me, which is reassuring. I’m not sure what the future holds though with regards to it all. 

    Hope you’re ok?

    The credit card is the biggest it has ever been so I know I’m going to start tackling it.  It’s about time I finally got rid of that debt in particular, regardless of how I feel about it, it’s still in my name x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
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