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"Thevinternet's still in debt" diary
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Target: £3000 for academic year 2009/10
Spent: £845.61; Remaining: 2154.39 :rolleyes:
Thanks so much Andromache, it's lovely to read encouragement like this, especially since I can't talk to my OH about the burden of carrying so much debt. It can really get me down sometimes, but I just come to this site when I feel that way to keep me on track.
I've only got one part-time job at the mo - I should probably have posted that in this diary, but I think I've been so busy, I forgot!
I got made redundant from two of the other jobs thanks to the good ol' recession :mad: , but my current job is quite well paid so it keeps me going each month. I really just want to focus on paying my Egg card off. Then I'll only have two CC debts to worry about (plus the loans and ODs, of course). It's currently standing at just under £420, so very doable in the next few months. xx
1. Get under the 30k mark by the end of 2009 - that would be amazing!
2. Pay off my Egg card balance by the start of August. It stands at £420-ish at the moment.
3. Get my driving test passed and buy a little runaround!:D
Your targets are excellent, I always find it helps to break them down to tiny pieces. The Egg card is £70 a month to be paid off by August, minimum payments are maybe £15? So that's only another £55 a month to find from elsewhere, or to break it down further, 37p a day! 36p = a average choccie bar or bag of crisps, suddenly target is just a giant pile of dairy milks to be overcome.... actually that example is a bit abstract, and doesn't help me as now I just want choccie!
Hope your week goes well x
*edit* It's monday morning and that was awful, awful maths! It's £2.11 a day, so we're going to have to look a bit bigger, a sandwich from the shop or a drink in a bar, or 3 large bars of dairy milk (unlikey to get through that in a day!) but still not an impossible target!
Debt September 20th 2022 £2991.68- 96.92% paid off
Aha - a good idea to set a target like this!!
You are quite correct - my monthly payments are around £13, which comes out around the 24th. So they'll be payments in March, April, May, June and July = 5 x 13 = 65.
420 - 65 = 355
There are 152 days until 1st August.
355 / 152 = about 2.34
So I need to be trying to make a daily payment of £2.34.
I think I can do that! I'll have to bung a little extra on to compensate for the interest at some stage, but otherwise that looks good. So I'll start making a daily payment of £2.34 as from tomorrow to see if we can get that sucker cleared by the start of August.
Thank you Debt Mentor!! xx
Hi there thevinternet;
Ive just read through all of your diary and when I got to this bit I nearly broke a few more ribs from the laughing. :rotfl: :rotfl: Honey, you're a girl after my own heart;)
I have downgraded to M&S and they do fine; actually better than fine. And if you can get to an outlet store even better but the sales are just as good and just stock up:D
I have downgraded on bags too; I picked up a super one from M&S today it was really needed (feeling sorry for myself after hosp visit) as I almost stopped breathing so had to go back in and buy it. But I paid on my debit card not my cc:cool:
Good luck with dfw
xxx
xxx
CC1:[STRIKE]14012[/STRIKE] 13784/
TOTAL DEBT is £75119.36. As at Mar09-- :eek: Now is £68433
£2 SAVERS No.125 & 4 sealed tins No.633 to clear OD:dance: PAD to clear cc & loan debt. :dance:
PAD's from-26 Feb & Mar/£226.01-Apr/58.84-May/65.73-Jun/111.97/Jul-2.59
I'm in a rotten mood today - I've avoided the dentist for years due to a monstrous dental phobia, but I have spotted a tiny hole in a molar and now I HAVE to go to the dentist. So I have booked in for a couple of weeks time. The lady I'm going to see is a specialist with phobic patients, but I'm going to have to stick it on the old credit card - and undoubtedly I will need A LOT of work done. The front teeth are all fine, but the back ones are a mess.
It's soooo annoying. A whole year of not spending on credit cards, and now this happens. :mad: At least my teeth will be better I guess. No more bad dreams about them all falling out - I have to pay to get them drilled out instead. xx
Debt September 20th 2022 £2991.68- 96.92% paid off
Wow your debt mentor is good, I like the thought process of having bills to pay and where else to get the money from rather than just relying on the salary. I haven't quite made it to the selling stage yet, I just take it down to the charity shop....they really love me but I think the girls that work there actually take the best bits out for themselves...bit cheeky but I guess they must get some perks!!
Not sure where you live but if you are in or around the london area Guys hospital provide free dental care and they are good. Although I must add they are students but all well supervised my DS uses them. Once I've finished with my current treatment I will move to them too. Its worth the day pass into town for the free treatment. Hope this is of some help. If you are not in london try the closest university hospital.
Might have alook at tesco and primark myself and see if they can compete with the m&S sale prices...might make myself another saving there.
Take care and good luck with dfw
xxx
CC1:[STRIKE]14012[/STRIKE] 13784/
TOTAL DEBT is £75119.36. As at Mar09-- :eek: Now is £68433
£2 SAVERS No.125 & 4 sealed tins No.633 to clear OD:dance: PAD to clear cc & loan debt. :dance:
PAD's from-26 Feb & Mar/£226.01-Apr/58.84-May/65.73-Jun/111.97/Jul-2.59