clear my debts

Only 2 major bills to go. Still have a bad history so this will be a challenge for the future. I don’t think you can ever get the slate clean!

Red letters go on a chalk board in the kitchen, I write the amount in chalk, everyday it aggravates me to see it and motivates me to pay it off. I only have the weekends to pay bills off but that board definitly works! I am also quite methodical about where I start to clean in the house and always start with the kitchen first, so that reminder is there to declutter my debts and I tackle them every weekend now! Not quite debt free but getting there.

Put the highest interest ones at the top of the pile – Get rid asap!
Put the ones threatening to take legal action to the top – be brave start pleading.
Negotiate monthly instalments – take responsibility and budget
Get my credit rating back to a good standard.
Feel pleased with myself.

20/02/09 I had the opportunity to pay them all off 2 years ago from the sale of my home. Instead I paid half of them off and gave money to my children, who didn’t pay it back. Now I am looking for a debt advisor because my ignorance has made things worse.
25/02/09 I land this job with lucrative income, I’m aiming for this goal straight off! I am so unhappy when I have these millstones around my neck, get rid and have some freedom.
04/03/09 Will spend this weekend working out payment plans from the end of April.Have started to tackle some credit cards which I no longer use but am stilling paying off.