Let's slash that debt in 2010! - Page 2

FierceAngel · Jan 17th, 2010, 07:18 AM

can we join?

my soa is rather long as are our debts atm so we are going for small goals first...

hoping to have cleared £3000 of debt by june and then another £3k by december total for 2010 £6000

xx

orange-sox · Jan 17th, 2010, 09:24 AM

Course you can my lovely! Welcome Candeur and FierceAngel, glad to see more slashers!

Don't worry about your SOA being long hun, we're all here to help! Those goals sound brilliant, small steps all add up! x

broody21 · Jan 17th, 2010, 09:25 AM

Quote:

Originally Posted by Blah11

Sounds like you have it all planned out Broody

What on earth is a golden hello though?!

It's an incentive that the government gives to new teachers. If you complete and pass your first years teaching, and enter into your second in a state school then they give you a golden hello at the start of the second year. Some subjects don't get them, but he's a physics teacher....and they are desperate haha. It's £5,000 before tax, and around £4,000 after tax.

broody21 · Jan 17th, 2010, 13:47 PM

Although OH suggested we continue to pay may dad off as we are £50 or so a month (it's interest free and my dad isn't rushing us) and we keep the £4,000 towards a wedding....hmmm, it is a thought!

x-amy-x · Jan 17th, 2010, 13:54 PM

I'd love to be a debt slasher but I don't think we can do it. Debts are mounting up at the min! Don't have too much (about £1000) but i HATE being in debt with a passion. But its probably gonna get worse as we need a new car

orange-sox · Jan 17th, 2010, 15:27 PM

You can try amy! Even paying off little bits of your debt helps! Making cut backs can save money which in turn you can use to pay off debt! Good luck Hun x

Linzi · Jan 17th, 2010, 15:31 PM

Credit card - £1.5k (intrest free for 12 months)

Income £2k
rent -650
nursery -860
loan repayment -60
food -130
leccy, gas, water, council tax -250
broadband, phones -60

I cant add but Im not feeling optomistic. Good job Ive had a drink or I might cry.

orange-sox · Jan 17th, 2010, 15:42 PM

Oh Linzi

don't cry sweetheart, you've done the hardest part, admitting that there's a problem that needs to be solved. Onwards and upwards from here on!

We're all here for ya!

Linzi · Jan 17th, 2010, 17:23 PM

Thanks hun

The thing that takes the mick is that the credit card debt is from our honeymoon (dunno if you read about it, theres a thread in GS) before then we were pretty much debt free abart from my loan which ends in 11 months and counting! I wouldnt be bothered about paying the money back if we'd enjoyed it but I just feel like Im paying for soemthing that was a complete and utter disaster & I begrudge paying it iykwim. So I haven't been apart from minimum payments.

Its getting sorted this year tho it was one of my many resolutions.

Hope you're doing ok though hun, haven't seen you online for a while

x

Blah11 · Jan 18th, 2010, 14:11 PM

Bank charges should be made illegal

I went over my arranged overdraft by £6 this month for a total of 7 days

They charge £5 a day so that's £35 and my overdraft interest is another £30 so £65 in bank charges. How the hell do they expect people to get out of debt?! Quite upset really.

Jan 17th, 2010, 07:18 AM	#11
FierceAngel Pregnant (Expecting) Active BnB Member Join Date: Sep 2008 Location: Hertfordshire Posts: 6,075	can we join? my soa is rather long as are our debts atm so we are going for small goals first... hoping to have cleared £3000 of debt by june and then another £3k by december total for 2010 £6000 xx

Status: Offline

Jan 17th, 2010, 09:24 AM	#12
orange-sox Other Chat Happy BnB Member Join Date: May 2008 Location: West Yorkshire Posts: 2,442	Course you can my lovely! Welcome Candeur and FierceAngel, glad to see more slashers! Don't worry about your SOA being long hun, we're all here to help! Those goals sound brilliant, small steps all add up! x

Status: Offline

Jan 17th, 2010, 13:47 PM	#14
broody21 Waiting To Try (WTT) Chat Happy BnB Member Join Date: Apr 2008 Location: North Wales Posts: 1,886	Although OH suggested we continue to pay may dad off as we are £50 or so a month (it's interest free and my dad isn't rushing us) and we keep the £4,000 towards a wedding....hmmm, it is a thought!

Status: Offline

Jan 17th, 2010, 13:54 PM	#15
x-amy-x Mum (Mom) BnB Elite Join Date: Feb 2008 Location: Teesside, UK Posts: 13,812	I'd love to be a debt slasher but I don't think we can do it. Debts are mounting up at the min! Don't have too much (about £1000) but i HATE being in debt with a passion. But its probably gonna get worse as we need a new car

Status: Offline

Jan 17th, 2010, 15:27 PM	#16
orange-sox Other Chat Happy BnB Member Join Date: May 2008 Location: West Yorkshire Posts: 2,442	You can try amy! Even paying off little bits of your debt helps! Making cut backs can save money which in turn you can use to pay off debt! Good luck Hun x

Status: Offline

Jan 17th, 2010, 15:31 PM	#17
Linzi Mum (Mom) BnB Elite Join Date: Oct 2007 Location: Leeds UK Posts: 15,769	Credit card - £1.5k (intrest free for 12 months) Income £2k rent -650 nursery -860 loan repayment -60 food -130 leccy, gas, water, council tax -250 broadband, phones -60 I cant add but Im not feeling optomistic. Good job Ive had a drink or I might cry.

Status: Offline

Jan 17th, 2010, 15:42 PM	#18
orange-sox Other Chat Happy BnB Member Join Date: May 2008 Location: West Yorkshire Posts: 2,442	Oh Linzi don't cry sweetheart, you've done the hardest part, admitting that there's a problem that needs to be solved. Onwards and upwards from here on! We're all here for ya!

Status: Offline

Jan 17th, 2010, 17:23 PM	#19
Linzi Mum (Mom) BnB Elite Join Date: Oct 2007 Location: Leeds UK Posts: 15,769	Thanks hun The thing that takes the mick is that the credit card debt is from our honeymoon (dunno if you read about it, theres a thread in GS) before then we were pretty much debt free abart from my loan which ends in 11 months and counting! I wouldnt be bothered about paying the money back if we'd enjoyed it but I just feel like Im paying for soemthing that was a complete and utter disaster & I begrudge paying it iykwim. So I haven't been apart from minimum payments. Its getting sorted this year tho it was one of my many resolutions. Hope you're doing ok though hun, haven't seen you online for a while x

Status: Offline

Jan 18th, 2010, 14:11 PM	#20
Blah11 Mum (Mom) BnB Spammer Elite Join Date: May 2008 Posts: 32,873	Bank charges should be made illegal I went over my arranged overdraft by £6 this month for a total of 7 days They charge £5 a day so that's £35 and my overdraft interest is another £30 so £65 in bank charges. How the hell do they expect people to get out of debt?! Quite upset really.

Status: Offline

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