getting on top of my debts!

yoooh4

Hi all, i feel that posting this is really goin gto help me be positive in getting shot of my debts!
Im 23 and have two small children and would love another one or two maybe but me and partner have agreed to clear the debt first so that we can really concentrate on the kids!
We dont struggle too much but it could be better!
My reason is i had a lightbulb moment when i saw my debt on experian,
£9,800!, without student loan, but i am not counting that yet as i dont earn £15,000, im only part time.
The reason i have started is because when i met my partner he had30k of unsecured debt, wow i know, and i helped him through and now he is 2 years 2 months into an i.v.a. and he will be debt free as of march 2011, so i felt gutted that i had accrued debt to that extent.
Its ok, but im always paying minimum amounts and spending the extra on crap so im cleaning up my act and am going to have a big chunk cleared by end of july, fingers crossed.
I am waiting to hear if i have got a new job, waiting credit checks, its in a bank and nothing to do with my other halfs problems is on my credit file, only that we opened a joint account in 2003, and the application form specifically asked questions about me so i think i will be ok, i mean i passed a credit check with travelex where i work now and was in the same situation, my credit is tip top, couple of missed payments on my mob phone over the 36 months i have had it but apart from that i am good with paying things.
So the plan is to get a huge chunk paid off by xmas and the just focus on my biggy ones.
I have worked out who charges the most interest so that i can clear them ones first.
I feel this is a visible way i can check my progress and get motivation from other people.
I have already juggled food shopping and saved £10 which i paid off my highest interest account.


Vetbaudet- 137.63 29.9
Next - 300.00 27.8
Halifax c/c- 862.00 26.9
Halifax o/d- 2000.00 19.6
Choice - 870.00 no interest.
HSBC Loan- 5484.00 16.9
Total - 9653.63 LBM

BUT THINGS ARE ON THE UP AS LONG AS I GET MY JOB SO FINGERS CROSSED FOR ME PLEASE, SHOULD HEAR THIS WEEK!

phantom9999

fingers are crossed!

good luck

Aussieonabudget

Hi there Yoooh4,

Don't have any amazing brainwaves for you but just want to say good on you for taking the step of working out how much you owe and what you are going to do about it!

I'm sure there will be some experts come along and give you useful advice but I'll just give you my support!

Good luck and well done
Aussie

Tesco_points_addict

Just popping in to wish you good luck
Keep us informed how things are going
TPA x

poppyg_2

Good luck, really hope you get the job, keep us all posted

Post up an SOA if you want some help/advice on ways to cut down so that maybe you can pay more than the minimum balance off those debts x

yoooh4

hi guys, thanks for your support, its so good!
ill get around to the statement of affairs but i know my mistakes, clothes and takeaways you see, i have kind of been moneysaving for a while, shopping etc but only to increase the money that we have to waste, if you know what i mean, but now i am being sensible and cannot wait until payday to clear a litlle bit, every little helps and i am just so excited to be doing this!

yoooh4

Hi all, i got my job, yipeeeeee! so as a celebration i cleared my highest interest account, and as a treat a freebie night out, tesco club card deals at la tasca, lush and sex in the city movie with free cinema tickets, was fab and my oh was one of three men in the cinema, hehe, but he giggled a couple of times so there you go!
im so happy to have cleared a debt, it feels fab, and my most succesful money saving of the day is finding out up until the age of 25 i can get the bus to work for 1/5 of driving so ok it may take a little longer but rather in my pocket than gordon browns!
roll on next payday for more debts cleared! cannot wait!