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  • FIRST POST
    • Makeachange
    • By Makeachange 8th Aug 17, 4:54 PM
    • 949Posts
    • 1,303Thanks
    Makeachange
    I feel the change, now make the change
    • #1
    • 8th Aug 17, 4:54 PM
    I feel the change, now make the change 8th Aug 17 at 4:54 PM
    My debt journey has been up and down....mainly up... (as in i make alot of debt!!!!) I am in my 20's and I am a recovering gambling addict! I decided that I wasn't going to focus on tackling my debts until the idea of "oh one more bet could win me money and change my life" was out of my head.

    Right now I am 9 months clean and I feel like when it comes to money my whole mindset is changing. I am glad that I have waited until now to focus on clearing debt because I think I could have fallen back into the gambling whole otherwise.

    Over the course of the last 9 months I have paid my minimum payments but not really looked at what it will take to clear the debt. I am a long time lurker of this forum and I am going to document my journey!

    I work part time whilst I study so i am always looking for extra ways to make money from my laptop! (Thats not gambling!!!) Ebay, surveys, etc etc!. I probably bring in my part time income again each month from online ventures My goal is to get debt free by the end of 2018

    I will come back with totals. I know that I have managed to pay off around 2k in the last 9 months with little effort so imagine what i could do if i put my mind to it

    MAC. x
    I WILL GET THERE.
Page 3
    • Makeachange
    • By Makeachange 3rd Sep 17, 8:54 AM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    I'm now 10 months and 2 days gamble free.... that lovely 1 year is close
    Got work today, doing some overtime to extend my shift but just thinking of those extra pennies come next payday that i can take off the debt!

    Got a good nights sleep last night for first time in ages so i feel like im coming out of my down patch, tho i have a doctors appointment anyway as i want to discuss my anxiety meds!
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 7th Sep 17, 9:54 AM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    My total is going down again
    8845.05

    I have reduced my overdraft by 50 this month, which has made me very proud!
    I WILL GET THERE.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Sep 17, 12:59 PM
    • 1,324 Posts
    • 6,168 Thanks
    wishingthemortgaheaway
    Great news. Keep going.
    The 100 payment countdown (each payment = 400) 2018 Starts at 13/100 o/s 34,750.
    Jan 18 14/100 Feb 15/100 March 18/100 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • Makeachange
    • By Makeachange 17th Sep 17, 9:02 AM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    I've been a bit quiet as ive been down and had lots of family stuff going on. but my new total is 8743.46 and its payday next friday so ill be able to make some more dents.

    Im giving myself today and tomorrow to mope about a bit and get over my sulk then get back on track!
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 12th Oct 17, 9:27 AM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    Ive been quiet as I have gone back to uni but still going hard with cracking the debts
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 13th Oct 17, 11:52 AM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    Todays total is 8553.17. Id like to get it under 8k by xmas. I have alot of uni work and not much time to earn extra but will do my best
    I WILL GET THERE.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Oct 17, 12:37 PM
    • 1,324 Posts
    • 6,168 Thanks
    wishingthemortgaheaway
    Butnthat also means not. Ugh time to spend either. Good luck. Maybe work out a weekly amount, that may make it seem more manageable.
    The 100 payment countdown (each payment = 400) 2018 Starts at 13/100 o/s 34,750.
    Jan 18 14/100 Feb 15/100 March 18/100 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • Makeachange
    • By Makeachange 31st Oct 17, 11:04 AM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    New amount is 8466.45, ive nearly paid off a 1k
    My mental health has been a bit low.
    Uni is going well tho
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 10th Nov 17, 11:31 AM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    8,330.26 is todays total.
    I keep cracking away at it, I know that every penny will help me in the long run.
    I have lots of uni coursework, but on the plus side im barely spending money so that helps.
    Looking forward to getting my lectures finished for the semester so i have more time to put effort into this
    Hope you are all well!
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 2nd Dec 17, 7:42 AM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    Original amount - 9217

    Todays amount - 7934.35


    So so far ive paid off 1282.65 which is a nice thought
    I WILL GET THERE.
    • enthusiasticsaver
    • By enthusiasticsaver 2nd Dec 17, 10:02 AM
    • 6,394 Posts
    • 13,128 Thanks
    enthusiasticsaver
    What a great result. Did you manage to get the overdraft down so as not to get stung too hard by Halifax charges? Don't you get free overdraft as a student?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • ladymay
    • By ladymay 2nd Dec 17, 10:31 AM
    • 916 Posts
    • 3,936 Thanks
    ladymay
    Wishing you the best on your journey! Congratulations on what you've achieved in the past year
    Moved back to the UK 05/01/18
    New Job and New Business
    2018 Aim - Save 10k
    • Makeachange
    • By Makeachange 8th Dec 17, 4:14 PM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    What a great result. Did you manage to get the overdraft down so as not to get stung too hard by Halifax charges? Don't you get free overdraft as a student?
    Originally posted by enthusiasticsaver
    I had a free overdraft at undergrad but that was a few years ago... post grad now.

    Im not getting too stung, not at the moment anyway! its not too bad im still cutting it all down.

    todays total is.....

    7713.14
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 31st Dec 17, 7:20 PM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    Ending the year on 7581.03
    Somehow, some way tho...

    I WILL END 2018 ON 0...WITH SAVINGS....

    THATS MY GOAL!
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 16th Mar 18, 1:42 PM
    • 949 Posts
    • 1,303 Thanks
    Makeachange
    I have not been around for a while, but i have still been cracking on with the debts. i will post an updated total later on this afternoon
    I WILL GET THERE.
    • onedaysomeday
    • By onedaysomeday 16th Mar 18, 2:12 PM
    • 404 Posts
    • 616 Thanks
    onedaysomeday
    Well done so far
    Debt paid 1780.76 / 7180.59 (24%)
    CAR SERVICE CHALLENGE: 21/154 BY 5/6/18 (13.5 %)
    EMERGENCY FUND: 0 SAVINGS POTS: 0
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