pay off my debt

£150 paid off my credit card this month.. Finally beginning to make a dent in my card debt! 1 day ago

Monitoring my reports constantly. I might actually have sexy credit one day. Took alot of elbow grease over the last few years, but I’m seeing a light at the end of the tunnel. Definitely learned a lesson about fiscal responsibility. Don’t live above your means. If you can’t afford to buy what you want outright, don’t use plastic. And maintain a medical insurance plan of some kind. You’ll thank yourself later. 2 weeks ago

Got a new job and getting paid in feb so going to pay £300/£400 off my credit card so I’ll only owe about 5/600 :) hopefully get it paid off and cancelled by march :) 4 weeks ago

I’m paying off my credit card- with my overdraft on another card! FML. 4 weeks ago

All that remains are my:

- car note ($8,000)

- credit card ($12,000)

- student loan ($6,500)

Just paid off 2 cards and 1 student loan. 1 month ago

i really want to be DEDICATED in this goal starting this year. i’ve accrued a lot of debt and i need to spend my $ wisely and continue to save more. 1 month ago

Well in fact my BF helped me with that, we took quite a big loan , went to UK , i got pregnant, and we needed to come back, and for sure return all the money, so we saved, almost everything that he earn tried to eat less costing meals , now and then e still take loans , but in smaller amounts, and thinking, about how we will get money to pay… 1 month ago

-$450 1 month ago

Today I’ve cancelled some unecessary direct debits. I feel bad as two of them are for charity’s but I need every penny really and I’m gonna start up again with them once I’m back on my feet. In total I’ve saved 33 pounds a month of doing this. YAAAY. Every little helps. Oh and I’m putting stuff on ebay this week too. I’m really serious about getting out of debt I’m sick of it ruling my life. 1 month ago

I have taken care of:

Bank fees from a bank account I had closed when I moved
Two old utility bills (phone & cable)
&
A student credit card
(Basically, all debts acquired from being a student out of state and suddenly having to relocate and start anew. Le sigh!)

I just put money towards consolidating my student loans and start payment on them while I resume my undergraduate studies. (In the past year I’ve also been able to save for this journey back into school :D )

And just the other day, I resumed payments toward a settlement for my other (and only other) credit card fees.

I think I may have just a bill for a prematurely cancelled Clearwire account I never paid off and possibly 2 other things that I’ll have to check. All I know for now is a good chunk of my debt will have been taken care of by March 2012. The weight on my shoulders has already been feeling lighter. 1 month ago

Have paid off bank debt from over drafting and also a $550 verizon debt. So proud! 2 months ago

My debts getting out of hand. I need to sort it out. LIKE YESTERDAY!! 2 months ago

My credit card is my priority at the moment:

...it is at £1200 with an interest rate of 17.9%. I can only afford to make the minimum payment each month, so at this rate It won’t be paid off for 6 years.

My plan of action is to get a job to pay it off. I have been hunting for months, I’m at university so it is hard to fit a part time job around the hours but I WILL make it work. After Christmas I am going to apply for everything, unfortunately it’s really not easy to find a job at the moment but I hope if I’m positive and apply for everything I will find something in the end.

Until then, I am going to use any extra money I can to pay off a bit of my debt.2 months ago

Paid in full. The feeling is weird. I don’t have a huge sense of euphoria like I thought I would. Maybe after I get off work? But it’s more relief. More like taking off a giant backpack. You’re happy to do it, but you’re not about to run around the block screaming for joy. I have big plans for my finances for the rest of my life. I don’t plan on having more than one credit card for true emergencies. I plan on opening a savings account today and buying myself an iPad 2 as a reward for 2 years of hard work, pumping thousands of dollars into my deficient account.

As for what I learned, I definitely learned how to take care of my finances. I’ve never owned a credit card, and I have little desire to. I have enough self control to be able to pay bills, say no to personal pleasures, and have an emergency fund in case something were to happen. I’d only want a credit card to build my credit, which is actually surprisingly still in good standing since the school didn’t report me to collections, so I really don’t need that yet. I learned to budget and live within my means, mostly because I was forced to if I wanted to complete this goal quickly.

I learned to believe in myself. I knew I was a hard worker, but this definitely proved what I can do if I really set my mind to it. I learned life IS NOT fair, and we, as humans, are not entitled to anything. 2 months ago

Yeah, so that whole plan last year? Nope. Didn’t happen. Not going to explain why or make excuses. I’m just trying to refocus. Right before the holidays aren’t I a strange one?

Check-in:
CC#1: 20475 20,261.47
CC#2: 8900 10,750.25
Business CC: 1100 7551.04 (paying for health insurance for a current job-seeker. winces Not pretty)
Parental Loan: 13370
TOTAL: 51932.76 2 months ago

I now am down to $370 owed. & I get paid Friday. I’ll write an entry immediately after I make the payment to document the euphoria or releif I expect. Thanks to all who’ve supported me the last 2 years. xoxo 2 months ago