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  • FIRST POST
    • pidge04
    • By pidge04 26th Mar 18, 6:18 PM
    • 280Posts
    • 534Thanks
    pidge04
    I want to believe I can do this!
    • #1
    • 26th Mar 18, 6:18 PM
    I want to believe I can do this! 26th Mar 18 at 6:18 PM
    Is this how I start a diary? I don't know whether anyone would want to read it but I hope it will keep me focussed and on track to becoming debt free. I am inspired by the diaries I've read here and would welcome advice when I get started.
Page 11
    • pidge04
    • By pidge04 10th Aug 18, 5:29 PM
    • 280 Posts
    • 534 Thanks
    pidge04
    Thanks so much Working Mum!

    I did start that and it soon fell by the wayside. I am going to re-start it! Thank you! Highly motivating to think of it in 6 chunks!
    Last edited by pidge04; 12-08-2018 at 10:17 AM.
    CC1 2400/549 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • enthusiasticsaver
    • By enthusiasticsaver 10th Aug 18, 5:58 PM
    • 6,876 Posts
    • 14,810 Thanks
    enthusiasticsaver
    You are doing brilliantly. 19000 original debts (not including overdrafts presumably) and 8808 now. That CC1 and CC3 are so close to being repaid.
    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
    • pidge04
    • By pidge04 15th Aug 18, 12:23 AM
    • 280 Posts
    • 534 Thanks
    pidge04
    I checked my credit report on another site this afternoon and I was heartened to see my situation labelled !!!8216;Stable.!!!8217; Probably a more polite way of saying !!!8216;Fair!!!8217;?
    There was quite a list of positives and then one thing to work on - always pay credit card on time. This took me back to before May 2017 when I was very disorganised and probably not very well or functioning well, and I did used to pay some bills a day or two late. Cannot believe I did not snap myself into action at that time. What a massive negative impact I caused to happen. I have paid everything as soon as the bill arrives since May 2017.

    Anyway, it is done and it is past. That is definitely not a behaviour I have now.
    CC1 2400/549 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • efes shareholder
    • By efes shareholder 16th Aug 18, 3:00 PM
    • 213 Posts
    • 379 Thanks
    efes shareholder
    As much as I hate direct debits I set mine up to take the min payment each month - I caved in after several due by dates were missed

    I can always then log on and pay more but at least I know should anything happen there is no adverse affect on my credit rating or late payment charges
    • pidge04
    • By pidge04 17th Aug 18, 7:09 AM
    • 280 Posts
    • 534 Thanks
    pidge04
    I was only able to pay 50 off my credit card this morning and I had to use the rest of my earnings for my current account.
    I will not manage to pay off one credit card this month as hoped but I have reduced it by 405.
    It would never have crossed my mind until this year that I could pay off the debt rather than consolidate with a loan.
    Although I have not managed it this month, I will get it paid off at the end of September.
    Last edited by pidge04; Yesterday at 7:15 AM.
    CC1 2400/549 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • pidge04
    • By pidge04 17th Aug 18, 7:16 AM
    • 280 Posts
    • 534 Thanks
    pidge04
    I clearly did not budget well this month so I need to address that with some more realistic calculations.
    CC1 2400/549 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
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