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I'm back with my head hung in shame!
iwanttobreakfree
Posts: 371 Forumite
Well guys - long time no see (thats if there is anybody left from before!)
It seems I will never learn and have yet again run up my credit cards :mad:
So annoyed with myself I am like bloody child at times.
HOWEVER I do have some positives (though before you say it - yes I know these positives should be used towards my debt!:p) I am working my day job and I started to try teaching fitness classes in my spare time. Since I was last on here I have gone from one per week to wait for it........10!!!!!! At approx £15 a pop!:j
Theres no excuse for me really! I have a few fitness expenses to pay each month but pretty much subject to taking tax off all that money could get me paying my debts off quicker! Come on guys be tough on me I've slacked for long enough now - there just aint no excuse anymore!
Anyhoo its good to be back and I'll try to keep popping in this time though I'm so busy lately I just never seem to find the time for most things!:rolleyes:
Nikki
It seems I will never learn and have yet again run up my credit cards :mad:
So annoyed with myself I am like bloody child at times.
HOWEVER I do have some positives (though before you say it - yes I know these positives should be used towards my debt!:p) I am working my day job and I started to try teaching fitness classes in my spare time. Since I was last on here I have gone from one per week to wait for it........10!!!!!! At approx £15 a pop!:j
Theres no excuse for me really! I have a few fitness expenses to pay each month but pretty much subject to taking tax off all that money could get me paying my debts off quicker! Come on guys be tough on me I've slacked for long enough now - there just aint no excuse anymore!
Anyhoo its good to be back and I'll try to keep popping in this time though I'm so busy lately I just never seem to find the time for most things!:rolleyes:
Nikki
Proud to be dealing with my debts!DFW Nerd No. 634 LBM: 3rd time - Dec2008 I NEED TO BEAT IT THIS TIME!
Total Loan Debt = £[strike]13,737.80[/strike] 13,042.44, Total Non-loan Debt = £[strike]5,289.33[/strike] 4,704.45 - Total= [strike]19,027.13[/strike] 17,746.89 FEB 09
Freelance earnings - Feb 09 = £260 so far Make £30 a day in Feb - £260.40 of £840 5 NSD in Feb 09 - 1 of 5
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Hi IWTBF, I know exactly how you feel. I paid everything off last year then run up a £400 credit card bill. I was gutted. However, second time around I was really determined to clear everything and I did it and you can too.
How much do you currently owe on the cards.0 -
Come on missus you know the drill! SOA!
Welcome back to the fold - the biggest step as you know is dealing with it, you know what to do but sometimes we need support to do it
DFW Nerd #025DFW no more! Officially debt free 2017 - now joining the MFW's!
My DFW Diary - blah- mildly funny stuff about my journey0 -
Back on the wagon for you!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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Tut tut tut (only joking), welcome back
Don't be hard on yourself - as they, the knowledgeable people always say, never quit trying to quit
And welll done for getting there the first time by thge way:beer::beer: Who knows where thoughts come from - they just appear!:beer:0 -
Welcome back, just a shame its because you fell off the wagon.
Come on SOA!!MF aim 10th December 2020 :j:eek:MFW 2012 no86 OP 0/2000
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Hiya you, stop fretting and get DFW ing, you know you can do it.:hello:DFW Nerd 267. DEBT FREE 11.06.08
Stick to It by R.B. Stanfield
It matters not if you try and fail, And fail, and try again; But it matters much if you try and fail, And fail to try again.0 -
Right come on iwanttobreakfree, let's get it right this time and YOU stick to it, you hear!:rolleyes:
Obviously, we don't (yet...) know how much you've put back on cards, but in general you seem to know where you're going wrong. So, get tough with yourself, get the cards paid off - largest one with as much as you can first and keep the lesser ones to the minimum (you know the drill) and KEEP it that way, cause if not you'll have us to deal with! The biggest favour you could do after you've paid the cards off (or now before you put more on) is to cut them up in little bits and not renew them!
Well done with the work though, see you're not all bad! OK,not let's have that SOA on the double! Tough enough? :mad: More of a :A really.
Good luck, Sue[/SIZE]Sealed Pot Challenge 001 My Totals SizeGrand Totals of all members[/B] (2008 uncounted) 2009 = £32.154.32! 2010 = £37.581.47! 2011 = £42.474.34! 2012 = £49.759.46! 2013 = £50.642.78! 2014 = £61.367.88!! 2015 = £52.852.06! 2016 = £52, 002.40!! 2017 = £50,456.23!! 2018 = £47, 815.88! 2019 = £38.538.37!!!! :j
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welcome back! (and yes, we are still here!)Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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Welcome back
First year I did great second I paid things off then ran them back up, this year seems better just need to get under £10,000 by year end.Barclaycard 3800
Nothing to do but hibernate till spring
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Welcome back hun, even if it is from debt related circumstances.
You've done it before, so you can do it again! Total 'Failed Business' Debt £29,043
Que sera, sera.
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