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  • FIRST POST
    • hysteria1989
    • By hysteria1989 12th Feb 18, 3:38 PM
    • 49Posts
    • 30Thanks
    hysteria1989
    Im gonna do it
    • #1
    • 12th Feb 18, 3:38 PM
    Im gonna do it 12th Feb 18 at 3:38 PM
    So after a couple of years burying my head in the sand thinking it would all be OK in the end i have come to realise i need to get it together and man up. After managing to rack up just over 18k of debt with many a silly decisions mainly me and my wife thinking we could afford to rent a house that was well out of our budget we have moved back to mum and dads and i have now added it all up contacted all the relevant companies and will begin the path to being debt free. Debts can be seen in my signature. my target is debt free by august next year and i believe that is more than achievable . just thought id share my journey with all you lovely people
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
Page 1
    • Purplemumof2
    • By Purplemumof2 12th Feb 18, 3:42 PM
    • 6,006 Posts
    • 21,931 Thanks
    Purplemumof2
    • #2
    • 12th Feb 18, 3:42 PM
    • #2
    • 12th Feb 18, 3:42 PM
    Good luck on your journey xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6500.00 Cap 1: 417.28 BC: 8224.59 (temporary)
    AFD xxx LTW 12/16
    POAMAYC 2018 #041 PD 3790.84/7000
    Savings for Christmas 131.00/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • hysteria1989
    • By hysteria1989 14th Feb 18, 12:48 PM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    • #3
    • 14th Feb 18, 12:48 PM
    • #3
    • 14th Feb 18, 12:48 PM
    Nothing paid so far but also very little spent with some extra money saved and coming in soon
    Phoned EE to see if i could reduce my phone bill only to be told ive been paying 4.99 a month ontop of my bill for a 1gb data add on i didnt know i have they've taken 30 off my bill as a goodwill gesture and also notified me of a gameloft subscription for .99p a week i knew nothing about.
    contacted game loft who will be refunding me 47 by next friday latest which will be going straight towards a debt most likely SSE.
    payday next friday and hoping to make shave around 1000 of my total so staying optimistic at the moment.
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • fatrab
    • By fatrab 14th Feb 18, 12:57 PM
    • 736 Posts
    • 1,573 Thanks
    fatrab
    • #4
    • 14th Feb 18, 12:57 PM
    • #4
    • 14th Feb 18, 12:57 PM
    Good luck with your journey to debt freedom!


    Have you a plan to pay debts in order of highest interest first?
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 15/21 NSD - 15/20 Lunches - 20/28 AFD - 21/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • hysteria1989
    • By hysteria1989 14th Feb 18, 1:16 PM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    • #5
    • 14th Feb 18, 1:16 PM
    • #5
    • 14th Feb 18, 1:16 PM
    No not really the majority of the debts are with creditors now and have had the interest frozen as a result so just going to pay them all off equally other than the car loan which is in good shape with no arrears for that i will be making the regular payment plus saving abit towards a early settlement offer
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • fatrab
    • By fatrab 14th Feb 18, 1:44 PM
    • 736 Posts
    • 1,573 Thanks
    fatrab
    • #6
    • 14th Feb 18, 1:44 PM
    • #6
    • 14th Feb 18, 1:44 PM
    I was just thinking the likes of Satsuma and Quick Quid must be eyewatering interest rates so was going to suggest clear them first, but if you have a plan then that's the main thing!


    Best of luck, it'll be a weight off your chest when the time comes and you're debt free
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 15/21 NSD - 15/20 Lunches - 20/28 AFD - 21/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • hysteria1989
    • By hysteria1989 14th Feb 18, 2:40 PM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    • #7
    • 14th Feb 18, 2:40 PM
    • #7
    • 14th Feb 18, 2:40 PM
    they are ridiculously high but quick quid will be cleared this month and satsuma at the end of next or possibly this month if i can find the extra cash
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • hysteria1989
    • By hysteria1989 17th Feb 18, 12:22 PM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    • #8
    • 17th Feb 18, 12:22 PM
    • #8
    • 17th Feb 18, 12:22 PM
    Cheap couple of days for me not really had much in the way of outgoings but did get 100 from halifax this morning as a goodwill gesture for a complaint i raised meaning i could throw some money at debt so 81 paid to sse taking me to 899 owed to them and 20 spent on a few bits for the kids. should be a pretty cheap weekend for us as were all spending some time sorting the garden out for when summer finally arrives.

    roll on payday on friday so i can start making bigger dents into these debts
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • hysteria1989
    • By hysteria1989 19th Feb 18, 3:22 PM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    • #9
    • 19th Feb 18, 3:22 PM
    • #9
    • 19th Feb 18, 3:22 PM
    Nothing paid today but also nothing spent and a 10 prepaid master card cashed out from swagbucks which i am hoping to be able to use as a payment to SSE although not sure if that is possible as never tried before but we shall see when it comes through. really tired of waiting for payday now just want to crack on and start clearing this asap almost makes me wish i was paid weekly then i would be seeing more regular progress.
    Free evening planned for tonight will be treating the wife to Take away from Bellas italalia with a 20 giftcard we got for Christmas plus a 50% off voucher for takeaway.

    roll on friday
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • savingholmes
    • By savingholmes 19th Feb 18, 3:44 PM
    • 8,954 Posts
    • 16,998 Thanks
    savingholmes
    Congratulations on starting your journey
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • hysteria1989
    • By hysteria1989 22nd Feb 18, 12:50 PM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    couple of NSD in a row under my belt and another 10 mastercard cashed out from swag today aswell as 10m&s from erewards (nice meal for me & the wife payed for ) payday tomorrow and hoping take my around 1200 off my total owed. bringing me to around 17k left to pay. spoke to a couple of creditors last night to set up payment plans and im stunned at how nice and understanding they can actually be. ive been worrying myself for ages about getting in touch but feel so much better now for ding so.
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • LiveLifeFull
    • By LiveLifeFull 22nd Feb 18, 12:54 PM
    • 82 Posts
    • 225 Thanks
    LiveLifeFull
    Just wanted to say good luck. I've just started my debt free journey too!
    • hysteria1989
    • By hysteria1989 22nd Feb 18, 1:29 PM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    Good luck to you too Livelife are you keeping a diary ? ive found it a great help so far
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • NelliePie
    • By NelliePie 22nd Feb 18, 1:50 PM
    • 150 Posts
    • 377 Thanks
    NelliePie
    Hi,

    I can see you're making great progress and have a plan but have you thought about doing an SOA so you can see exactly where your money is going and where you could make cut backs (there are a lot of lovely people on here who could make suggestions). Also a spending diary might help so you can again see where your money is going - when I started mine it really opened my eye and its good at holding me accountable.

    Good luck with your plan, I'll subscribe for support.

    NP
    When life gives you lemons, find the tequila!
    FTB June '17 - 144k. Feb '18 - 141K
    • LiveLifeFull
    • By LiveLifeFull 22nd Feb 18, 1:53 PM
    • 82 Posts
    • 225 Thanks
    LiveLifeFull
    Good luck to you too Livelife are you keeping a diary ? ive found it a great help so far
    Originally posted by hysteria1989



    Yes, I am. I started it just a few days ago, and I've already completely changed my budget for next month now, haha! We can do this!!
    • hysteria1989
    • By hysteria1989 26th Feb 18, 3:26 PM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    Productive few days here fot my overall figure below 17.5k now quite as low as i hoped but still a decent bite into it with both SLL capital and Quick quid paid off taken total creditors down to 10 from 12.

    not the cheapest of weekends went to Nottingham to see Brian Fallon but was worth the spend as had a great time and it hasn't affected things to much. 10 master card waiting to come through from Swag for the kind people at SSE and another 10 claimed for M&S from erewards insurance comes up for renewal at the end of next month have started shopping around and looks like i will be saving about 500-600 compared to this year so well chuffed with that.
    Last edited by hysteria1989; 26-02-2018 at 3:28 PM.
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • hysteria1989
    • By hysteria1989 14th Mar 18, 9:18 AM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    Rubbish couple of weeks here. Rowing with the ex over how much time she gets with the little Dude as she seems to think now that the job centre have forced her to get a job for the first time in since ive known her she should now be able to have him all weekend every weekend have explained that there is no way that is going to happen but just going round and round in circles as she calls me every name under the sun. .

    No debts paid since payday last month but it comes round again next Friday so hoping to make another good dent in the overall.

    just struggling for any enthusiasm at the moment Work sucks and not much happier when i get home either
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • NelliePie
    • By NelliePie 14th Mar 18, 10:15 AM
    • 150 Posts
    • 377 Thanks
    NelliePie
    Your feelings are perfectly understandable and if you read through many diaries you'll find you're not alone. When the initial 'honeymoon' period wears off and you're in the long hard slog it can be hard to see the end. Just remember what you''re working towards and why you're doing it. It's going to take time and some days will be harder than others but there are plenty of people on here to support you and keep you going. Remember where you started and think about where you'll be - you've already achieved so much.

    Keep your head up
    When life gives you lemons, find the tequila!
    FTB June '17 - 144k. Feb '18 - 141K
    • hysteria1989
    • By hysteria1989 14th Mar 18, 11:09 AM
    • 49 Posts
    • 30 Thanks
    hysteria1989
    Thank you Nellie thats very kind of you to take the time to write. Definitely know what you mean with the honeymoon period. I will do this just dont like the 30 day wait in between of paying nothing payday and seeing the balances drop is a great feeling just the time in between that sucks. doesnt help with other stresses at the moment and lacking of motivation to cook etc takeaway just seems so tempting but iv resisted so far and will keep on going.
    Hitachi (car)6950/6544 SLL capital 227.50/0.00 BW LEGAL 574/409.7 Lowell 796.77/730.00 quickquid 187.68/0.00 SSE 980/380 Barclaycard 3537.48/3500 Virgin (MBNA) 2224.94/2124.94
    Sainsbury's (Westcot) 1652.52/1527.52 Admiral 332.41 Overdraft (Halifax) 850/800 Satsuma 116.20/0
    total debt 18400/16398..85
    • NelliePie
    • By NelliePie 14th Mar 18, 11:15 AM
    • 150 Posts
    • 377 Thanks
    NelliePie
    Is your interest calculated daily or monthly? Could you spread the payments out throughout the month so you can have that winning feeling more regularly so you don't have the 30 day gap? Have you tried batch cooking (whenever you make something make extra and freeze it so you can just warm it up and not have to cook) or using a slow cooker (so you can just whack everything in and not have to worry about it for a while). I find having a back up of a couple of meals helps for the day's I don't fancy cooking and stops me getting takeaway.
    Your signature is looking great - you're making good progress. Try to keep your target in mind and think of how satisfying it will be when you can cross them all off - an what you can spend the extra money on!
    When life gives you lemons, find the tequila!
    FTB June '17 - 144k. Feb '18 - 141K
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