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Everything changes
Comments
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So where are you with the debt?
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.0 -
I was tempted to buy a takeaway and a glasses case but I didn't. So it hasn't gone up but it hasn't gone down.
I'm at the point where I've maxed out available credit.
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So have you thought about what you are going to do next to tackle the debt?
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
And have you taken on board ANY of the helpful suggestions people here have made to you about budgeting? You asked a question and complete strangers have invested their time and effort in trying to help you, but you've made no comment in response. You desperately need help, people are trying to help, and you don't even acknowledge that they have responded. This is a pattern throughout your diaries. Your debts are getting worse and you are in a difficult position, but until you truly recognise that and fully open up to what's needed then you are not going to make any progress and people are going to stop trying to help you
Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
As above and I have to say, for a long time I thought that we were trying to help a very young woman…..
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It was obvious in the previous thread how old (approximately) the OP is... Graduation 20 years ago puts them at 40+
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Ah don’t remember seeing the previous thread but she sounded very young - or am I only remembering my attitude to money at a young age…….
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I dident follow the previous thread.
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.0 -
I think she's 47
Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!1 -
It's the weekend. 4.47 and I'm up ready for the gym. Curse my shattered body clock. Just having a cup of decaf coffee.
I have been reading a bit about "giving every penny a job". So I would go into the month with all my spending broken down. I guess it could work. I need to look at my budget again. I need to do some more reading. My life is quite predictable so it could work. Something to ponder.
I have some overtime coming up. Someone has snaffled the good day which I'm annoyed about but I have B/H Monday. If only I was in my old job where you got double time and a day in lieu for a bank holiday. That may have been my very kind boss. Shoulda woulda coulda.
Right. Gonna plan my day.
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