I have been very fortunate and was left some money by my gorgeous grandma who sadly passed away in November. The cheque arrived last week and I am putting it to good use by clearing as much of my debt as is possible. Amazingly I could be entirely debt free by the end of the year. This is such a long way to have travelled since 12 months ago when I was staring bankcruptcy and homelessness in the face. But I am proud to say that I stuck it out and worked hard to turn it around and things have worked out. I am now living in a gorgeous home with a very considerate landlady close to the seaside right where I have always wanted to be. Life doesn’t get much better than that!
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lotte123 has written 17 entries about this goal
Today my debt was reduced by £880. That’s almost 5% – wiped just like that!!! Hooray!
This is great – them more I give away the more I get to give away. This has to be the best lesson for manifesting abundance. When I hang on to them they are wasted. When I spend them well more come for me to spend!
I have realised that a great way to start manifesting abundance is by giving away my cheers on here every day – even when I am too busy to write. They cost me nothing and if I don’t use them they go to waste and they make others happy. So I’m starting there!!! For a month, as long as I log on, I will give my cheers away.
I had this goal down as pay off my debts but I decided that it would be more positive to focus on abundance rather than debt – so sorry for all these entries hijacking this ‘thing’ – it’s because I changed the title of my goal and my entries moved en masse!
Shed and climbing frame already on ebay. Going to put the £1500 I have in my daughter’s account and all money I am going to save by moving out of the house and see how much I can come up with. Maybe make a settlement offer to my creditors when I have enough? Or at least clear a couple more of my debts. God bless the Debt-Free Wanabee forum on http://www.moneysavingexpert.com/. It’s brilliant!
Hooray! Got a cash job on Saturday. Thought about going and buying a delicious iPod Nano Red with the money (and then some) and then realised that I had enough to pay off my smallest debt. So today went straight to the bank with cash in hand and paid it off. Yay – £65 down, only another £16,800 to go!!!
This is driving me nuts! I thought I was so close to sorting it and now it feels like it is going backwards. The route I was going to take now looks quite unpromising and expensive. Got the potential bill through from the Insolvency Practitioner and it comes to over £500 just for sending some letters out and with no guarantee of success. That’s just crazy! I am going to decline her services and see if I can sort this out myself. Am going to try and scrape some money together and make an offer to my creditors of 25-30% of what I owe them in a one off final payment. If they don’t accept that then I think I am going for bankcruptcy. It feels horrible and scary but I refuse to pay for the rest of my life and make my daughter suffer for my mistakes. This is so so horrible ….
Finally after what felt like months of searching I seem to have found a solution to my debts and a person to execute that solution. She’s an Insolvency Practitioner who basically negotiates with my creditors for a partial repayment of what I owe them over a set period of time. It seems to be an excellent compromise between paying them off for the rest of my days and bankcruptcy. Meeting with her next Friday to draw up a contract. Fingers crossed…
Have worked it all out and am now in a position to send out letters to the credit card companies making an offer of repayment to get me through the next 6 months. I guess it is a case of one day at a time and believing in myself and my ability to change my situation.
It has been a hard and depressing day but one I needed to live through.
lotte123 has gotten 26 cheers on this goal.
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