Lysasparkles debt diary.....

thriftymoo

Sandieflowers wrote: »

Although I have been reading the boards for over a year I have never actually posted before. I just wanted to say well done on your progress.

I am not personally in debt but am hoping to retire next year and have been reading the boards for tips on living on a reduced income. I have been in debt, about 35 years ago, when credit cards first started. In those days there were restrictions on where you could use them (were not allowed to be used for grocery shopping or paying bills) even so we managed to notch up £2000, mainly on DIY projects, which was a large amount in 1972. I was lucky enough to have an endowment policy which I surrendered early and cleared the cards.

I now only use a credit card for convenience and make sure I have the money to clear the balance each month.

I think your 20's are the ideal time to become DFW, keep going the way you are, 2012 will be here very quickly and you will feel very proud of what you have achieved.
Good Luck, Sandie

Thanks sandie!! To be honest i hope its gonna be cleared faster than 2012 but it wont be the end of the world if its not! I totally agree i think by becoming a DFW now i'll be flying once i have no debt hehe!!

thriftymoo

well sunday for me is update day.... go trawling round all the websites and update my little spreadsheet with my earnings...

Free xmas £22.98/£200
olympic bronze £610.88/£1008
Final total for feb £10/day £374.51/£290!!!
march £10/day £111.56/£310

free xmas is still looking sorry for itself (its because im only using sites that pay out in vouchers and there a bit slow!)

Olympic bronze is going fab might actually be able to bump up to silver....

well chuffed with my final total for feb £10/day helped me pay off a £300 chunk from hsbc loan!

already doing pretty good for march £10/day but must do better!!!!

decided not to do challenges for actually paying off debt because i'm tryin to put as much spare cash into it as possible anyway..plus just trying to set my own challenges for myself!:A

Want to get hsbc paid off by 21/4/08 so gonna have to get working!!!

thriftymoo

just watching this love and money programme on four... considering these people are in debt they are doing some weird stuff... like buying a jag? i can talk i splashed the cash when i didnt have it..like a lot of other people probably!!!! really want to drag them on here tho!!

thepinklady

Hiya - sounds like your doing really well. I wish I had your motivation.

Have you managed to list much stuff on ebay this weekend? I once got addicted to listing stuff on ebay, I even started selling stuff that wasn't even mine to sell, lets just say my brothers weren't very happy lol. Since then I have built up so much of my own rubbish I will have to have a listing day to get rid I think.

Keep up the good work you :T:T

pandapaws

That's a target and a half for HSBC - 6 weeks?!!! Really hope you do it as they're a bunch of baskets and the less they earn in interest from any of us the better! (Says her who owes them about 40k!)

thriftymoo

lol fell off the wagon a bit lol... well havent spend any money or done anything bad just not been on here for a while lol!! needed a break from the pc with my bad heads i just couldnt hack it after a day at work!

busy putting stuff on ebay now as i finally got a card reader so i can upload photos onto my laptop from my camera lol!!

yep the hsbc target is a big one and to be honest... not gonna happen now but i'll pay off any spare cash i have on thurs seeing how its pay day!

thriftymoo

back again..... been laid up with flu this time and laptop is broken so having to use my mum's pc - yuk!I have actually set myself some more reasonable targets for hsbc tonight! Aiming for April 2009 to have it paid off...suppose my 24th birthday aint that bad if i cant hit my 23rd free of them!!Joined the money for nothing challenge... have no idea how im gonna get off the mark with it yet tho...