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SS's 2008 Debt Free Diary

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  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Ellidee wrote: »
    Actually I had noticed that IA failed to mention her chest measurement on her lose the 'flab' thread. Maybe she isn't sure if she would be bragging or complaining ? :confused: :rotfl:
    bragging??? :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • ZTD
    ZTD Posts: 24,327 Forumite
    southernscouser wrote: »
    My diary! My beautiful clean diary! Look what you've done! :mad: :cry:

    Don't worry - when it reaches 1,000 posts (i.e. next week) you can have another brand-new spanking diary.
    southernscouser wrote: »
    :p

    And none of you can even blame me for last nights shananigans! :A

    Would we blame you? ;)
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    OK, time to come clean! :o

    When I first started my debt journey, I never envisaged paying off my loan early. So, I worked out my balance from what it would be, paying it off over the full term and only deducting the loan amount each month and not the interest. So basically loan was for £25,000, montly payment £371.57, but only reducing the total by £297.62 (25,000 / 84 months).

    Which, basically means, my loan is more than I have it down for which also means my debt is higher than what it is! :doh:

    I've known this for ages and I feel like I've cheated myself but more importantly, I feel like I've cheated you guys! :(

    And of course it throws all my calculations out the window! :(
  • mrsspendalot
    mrsspendalot Posts: 3,238 Forumite
    Oh well SS, I cant comment as I only came clean about my £1100 overdraft last month!!! It was my guilty secret. I then fessed up and added it to my debt total, which made me feel awful as it hiked it up again, but its honest and truthful now. The good thing is you have opened up now and if you are like me, you will be even more determined to get rid of the 'extra' bit of debt you have just fessed up to. I tackled it head on and paid of £200 straight away which made me feel better.
    Olympic Countdown Challenge #145 ~ DFW Nerd #389 ~ Debt Free Date: [STRIKE]December 2015[/STRIKE] September 2015

    :j BabySpendalot arrived 26/6/11 :j
  • spud30
    spud30 Posts: 16,872 Forumite
    You haven't cheated anyone :naughty:

    If I'm honest, I havent a clue exactly how much I owe. I get the awful feeling, after fees etc I owe more now than I did when I started this journey :mad:

    We still love ya :kisses3:
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • MushyPeas
    MushyPeas Posts: 3,104 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Don't feel bad SS, focus instead on the HUGE amount of debt you've already paid off! :)
    Previous debt: £14K :embarasse Debt free: Sept '03 :DMFW#42 Mortgage OP savings £4271.18/£12000 2019 :)Started dating OH Mar '12, married Oct '12, Walnut born Dec ' 12 :A SPC 12: 99 £38.05/£500 Make money Jan: £412.34/£310 :T Feb: £88.79/£280 May: £215.52/£310 June: £18.98/£300
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    You've not cheated SS, don't beat yourself up. How many people have admitted their debt was higher than they first stated on here? Loads.

    Can you not overpay it? How much does it put your calculations out by?
    No longer using this account for new posts from 2013
  • ZTD
    ZTD Posts: 24,327 Forumite
    So you've taken the interest off linearly rather than exponentially. So? It only matters if you're going to pay it off early, and I don't see paying it off early as ever being a source of bad news.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    I just feel like all the landmarks you guys have celebrated with me were false. And my records I've kept are wrong. The total amount I was in debt should be more.

    And it adds about another £2,500 to the debt! :(
  • spud30
    spud30 Posts: 16,872 Forumite
    My money is still on you being DF by my birthday ;)
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
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