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  • FIRST POST
    • Broke Bear
    • By Broke Bear 2nd Sep 18, 4:28 PM
    • 32Posts
    • 161Thanks
    Broke Bear
    Oh pants I messed up BIG!!!
    • #1
    • 2nd Sep 18, 4:28 PM
    Oh pants I messed up BIG!!! 2nd Sep 18 at 4:28 PM
    Ok so I have been lurking in a major way for the last 2 weeks after having my lightbulb moment. I have had a pretty rough 2 months and lost both of my bears (labradors) in quick succession (they were both very old for labs) and then I had a minor breakdown over everything and my finances came bubbling out to my OH after the vet bills.

    Now It has sunk in that everything is out in the open and he has not run away, for which I am eternally grateful, I can put a plan in action to get the big scary number gone for good.
    Ok so here are the starting scores on the doors as of 01/09/2018:

    B - 10,531.80
    T - 6,776.15
    M - 6,422.11
    V - 5,462.32
    L - 25.89

    Total - 29,218.27

    How did I get that far in debt?? I honestly didn't think it was that bad until I put all cards on table (literally) with OH!

    We have gone through income and expenditure and have a plan of action for the next 12 months or so (0% BTdeals the above cards are on) but I thought it would be good to document my journey as a reminder for future debt free me. It is my mess and I will not let my OH pay towards the debt, not even one penny. It is my stupidity and I should feel every painful penny of paying it back, I will never be this far in debt again!!
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
Page 3
    • Broke Bear
    • By Broke Bear 4th Oct 18, 3:03 PM
    • 32 Posts
    • 161 Thanks
    Broke Bear
    Thanks digitpedia, I am really hoping I can as me and OH want to get married and do ‘normal’ things like have a life and holidays and things.
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
    • Broke Bear
    • By Broke Bear 4th Oct 18, 3:18 PM
    • 32 Posts
    • 161 Thanks
    Broke Bear
    Is is wrong that I am wishing the end of the month was here already so I can update my signature again?
    27 days to go...
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
    • Broke Bear
    • By Broke Bear 12th Oct 18, 10:59 PM
    • 32 Posts
    • 161 Thanks
    Broke Bear
    Oh wow, where has this month gone?
    Am now in the quiet period between the payments going out and the statements coming in. I know I will not have cleared as much as last month as had to put 100 on the BC, but I did manage to balance transfer 1400 of the high interest part of the BC to 0% on the M so after fee etc I should still clear about 1% I hope. Wish those statements would hurry up!!

    Delia (the new kitten) is settling in grand and is really starting to find her feet. She is such a little tear away
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
    • Mummy_bear
    • By Mummy_bear 13th Oct 18, 10:33 AM
    • 398 Posts
    • 1,296 Thanks
    Mummy_bear
    Hi,
    Just found your diary and subscribed.

    From one bear to another I wish you all the luck with your debt busting x
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    10025.66/37139.86 26.99% paid
    • Broke Bear
    • By Broke Bear 13th Oct 18, 11:04 AM
    • 32 Posts
    • 161 Thanks
    Broke Bear
    Hi Mummy_bear and thanks do you have a diary too?
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
    • Broke Bear
    • By Broke Bear 13th Oct 18, 11:16 AM
    • 32 Posts
    • 161 Thanks
    Broke Bear
    Well I am hoping for a LSD today, the only thing I need to get is cat litter for Delia. DSD is here this weekend and I think as we are all still under the weather it will be a lazy one again. Weather is pants so we will not be going for any hiking trips as we had intended but hey ho.
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
    • Mummy_bear
    • By Mummy_bear 13th Oct 18, 11:34 AM
    • 398 Posts
    • 1,296 Thanks
    Mummy_bear
    Yes I do, can't say I'm at all that interesting to read. I do it to keep me motivated.
    Let me know if you need help finding it...if you're that way inclined

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    10025.66/37139.86 26.99% paid
    • abba1772
    • By abba1772 13th Oct 18, 2:30 PM
    • 5,290 Posts
    • 19,029 Thanks
    abba1772
    Hi broke bear

    Thought I would return the favour......sorry to hear about your dogs but glad your little kitten is settling in

    Well down on your lightbulb moment you have those debts paid down in no time xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 450.08
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 11423.03
    • Broke Bear
    • By Broke Bear 13th Oct 18, 2:38 PM
    • 32 Posts
    • 161 Thanks
    Broke Bear
    I hope so Abba (and thanks for dropping in) it is the start of a very long road for me I think
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
    • abba1772
    • By abba1772 13th Oct 18, 2:41 PM
    • 5,290 Posts
    • 19,029 Thanks
    abba1772
    I hope so Abba (and thanks for dropping in) it is the start of a very long road for me I think
    Originally posted by Broke Bear
    But that's the main thing........you've started
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 450.08
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 11423.03
    • Broke Bear
    • By Broke Bear 21st Oct 18, 2:34 PM
    • 32 Posts
    • 161 Thanks
    Broke Bear
    The figures are in and its not great this month!
    Ok so the figures are in with the new statements this month. The total has gone up very slightly but this is due to some card shuffling fees and I had to put just under 300 on the BC for cat insurance which was planned and unexpected vet fees which were not!

    Poor Delia had a fall and has a 'black eye' all swollen shut and had to go to the out of hours vet to make sure she hadn't done some serious damage. Thankfully with some drops to make sure it doesn't get infected and some anti inflammatories she will be fine.

    OK so here are the scores on the doors for this month:
    BC- 9164.51- balance transferred some of this to the M card at 0% until end of next year as this had about 2000 paying 19% interest. Although fees charged to BT it will save me in the long run.
    M- 7786.99
    T- 6576.15
    V- 5196.32
    L - 0

    28,723.97
    1.69% paid off

    So all in all it has gone up very slightly this month but will be making an extra effort to get it down next month.

    Although...its not the end of the month yet so I may be able to get it under last month's figure of 28,705.30.

    18.67 to find by the end of the month but really I want to find at least 24.00 to get into the next 100 bracket.

    I can do this !!
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
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