start the new year as i mean to go on

sammiboo

Thanks guys

I am feeling really positive about getting this debt down. I was asked if i had a new years resolution and i told them i didnt but me wanting to pay this debt off before xmas this year is a resolution i suppose

This time last year i was over £12k in debt and getting this down by nearly 10k in a year and my wages are only 14k before tax then I feeling really proud of myself

Lucy1982_2

Sammi

14k before tax, paid off 10k in a year....!!!!! Tell me your secret......... PLEASE!!

Little_Pickle

sammiboo! you little Gem! well done love!

I have about the same amount of you and i've put up a new challenge... debt free for summer 2008 (my DFD is 20.06.2008).

So far there is me and one other...

Think you could do it in 6 months?
LP
xox

sammiboo

Lucy1982 wrote: »

Sammi

14k before tax, paid off 10k in a year....!!!!! Tell me your secret......... PLEASE!!

I was given £1500 in reclaimed charges. So that helped a lot. I was living with my parents so no house bills to pay and when I moved in with my boyfriend in March he didnt want anything towards the mortgage so took the oppurtunity to plug as much money as i could towards my debts, increasing my payments. My only bills really were food. Debt repayment and petrol.

For my birthday I was bought 12 months of car tax which was almost £200 and also nre brakes for my car. So I didnt have these to pay for myself

Now I am house owner as of October so I have a mortgage to pay and household bills thats why I know I cant pay off the remaining £2600 as quickly as i would like as i wont have much "free money" left over to plug into this remaining debt. But we'll see.

I havent spent anything on myself this past 12 months. The only treats I have had is using vouchers and stuff I have been given as gifts. I have been really strict this year and its paid off and is great motivation tbh!!!

immoral_angeluk

wow sammi that's great! You've kept that one quiet!
:T:T:T:T:T

Lucy1982_2

Wow you should be really proud of yourself!

Unfortunately it doesn't sounds like I'll be able to manage that, but the thought that someone else did it is wonderful!

Good luck with the rest of it x

sammiboo

immoral_angeluk wrote: »

wow sammi that's great! You've kept that one quiet!
:T:T:T:T:T

thanks

I wanted to wait till I had just one debt to go before I posted up how things were going and a year on since I first joined the site would be a great oppertunity to do so