make my debt more manageable

... now complete!

I’ll see how it pans out over the next couple of months before I mark this off.

Okay, I don’t think this is going to happen in the near future. I’ve had my car up for sale for a couple of months now, and no fish have really bitten the line. But you know what? For all that I’ve already invested on the car loan, maybe it’s not such a good idea to throw all that away. Rather than “get rid of my debt”, what I really want to do is “make my debt more manageable”. I’m looking into refinancing my car loan so I’m paying a lot less money per month (for a longer time frame, yes, but let’s be reasonable here)... things like tax return (if I bloody get one this year) and end of year work bonus (if the company bloody gets there this year) will help, as well as the scrapbooking consultancy, if I can make it work. (Side note to self: get some home classes booked, weep.)

I can do this. In the end, I’ll have a nice asset for myself, and I won’t have wasted all those thousands of dollars on nothing.

Tomorrow could be a Very Good Thing. I don’t know, they seem a bit shifty. On the phone they said “Car Buyers” but when I googled them, they are actually “Auto Auctions”. Perhaps they buy outright, too. If it has anything to do with giving them any money first, it’s a no go! Dad’s told me to quote section 52 of the trade pratices act, misrepresentation. It’s great to have a lawyer father sometimes.

Okay, I have begun the sad journey of selling my car. Got it cleaned today and have just finished advertising it on both carsales.com.au and tradingpost.com.au… hopefully something will come of this. I can’t bear to think how painful it will be if I haven’t sold it in 12 weeks’ time (when the ads expire). I will probably cry.

Okay, so HECS is out of my hands – my tax return (or tax BILL, depending on how exactly it ends up this year) takes care of that.

Number two is my credit card. Now that I’ve finished paying back my stepdad, I’d like to put at least $100 on it a month – and KEEP it on there!

Number three is my car. To sell my car, I really have to actually advertise it. Before I get around to doing that, I need to clean it. So clearly the next step in getting rid of my debt is to clean my car.

We finished paying off the couch last month! I forgot to put the loan to my stepdad on my list… but that’s okay because I’m paying that off this payday! :D Those were the easiest things to tick off, but there’s nothing wrong with quick wins. They’re encouraging!

1. car loan.
2. credit card.
3. GE creditline → couch.
4. HECS, which I believe is actually called HELP now. Ha ha.