Well, i couldn't think of a more imaginative title for this update. I suppose I want to write down my current situation somewhere, so that I can look back and think... 'wow, I'm actually getting somewhere now' .
Firstly, and financially, I've managed to reduce my overdraft by £200! so in two months time it wont even exist! Which will make a massive difference, as last month I get charged £120 for going into it... wow, its a lot of money to lose in a month :( So will make a huge difference once its gone. I paid off more of my credit card, paid for my car tax (£75) and also paid the car off! so I don't owe money to any family or friends anymore. I have also stopped using these stupid short term loans. Its a habit I got into when, a very bad one. And like my smoking habit, its over. Something I will never turn back to . Straight and narrow now, and paying my own way.
Firstly, and financially, I've managed to reduce my overdraft by £200! so in two months time it wont even exist! Which will make a massive difference, as last month I get charged £120 for going into it... wow, its a lot of money to lose in a month :( So will make a huge difference once its gone. I paid off more of my credit card, paid for my car tax (£75) and also paid the car off! so I don't owe money to any family or friends anymore. I have also stopped using these stupid short term loans. Its a habit I got into when, a very bad one. And like my smoking habit, its over. Something I will never turn back to . Straight and narrow now, and paying my own way.
I feel so much better about things now. I'm finally starting to make a dent in my debt. Simply because I decided to write it down in a spreadsheet, some simple formulas, and bam, its all there in writing and numbers. I have NO excuse now. I'm on target to be debt free. This should hopefully be by August next year.
Sounds like a long way off? one full year.. But thats paying off over 13k in debt!! yes, its maybe not as much as some people, but its still quite a bit. I have a goal now though, and I know anything is possible!
Secondly, my car is on eBay, i have over 40 watchers. I have been offered silly prices, ranging from £1200 to £2200, and an exchange for a SEAT Leon Cupra. I need at least £2500 for the car. Views welcome etc. I just need to use that money to pay for some of my debt. to make an even bigger dent on it! I will be so much happier. Living on slightly more then £100 a month then hopefully. Might even get a social life..
Which leads me on to my third and final update. There is so much I can say, and a lot of my close friends will know what I'm going on about. But it sometimes feels like the whole world, including many people who I used to call close friends are out there to screw me over. I dont quite know why.
I'm happy with the mates I have, and also my family. Why are there always people out there trying to put you down though? Is it because their lives are so boring that they have to get enjoyment from trying to put others down?
I dont know, and I dont want this to turn into a rant. They aren't worth my time, and as I said, I'm happy with who I have in my life, the people who dont use me, and take advantage.
So to summarize, things are pretty good. hopefully the Audi sells, and then I can pay off more debt, and then its a matter of just paying off my loan.. but i will have over £800 to myself a month . Which I'll be very happy about!
Sounds like a long way off? one full year.. But thats paying off over 13k in debt!! yes, its maybe not as much as some people, but its still quite a bit. I have a goal now though, and I know anything is possible!
Secondly, my car is on eBay, i have over 40 watchers. I have been offered silly prices, ranging from £1200 to £2200, and an exchange for a SEAT Leon Cupra. I need at least £2500 for the car. Views welcome etc. I just need to use that money to pay for some of my debt. to make an even bigger dent on it! I will be so much happier. Living on slightly more then £100 a month then hopefully. Might even get a social life..
Which leads me on to my third and final update. There is so much I can say, and a lot of my close friends will know what I'm going on about. But it sometimes feels like the whole world, including many people who I used to call close friends are out there to screw me over. I dont quite know why.
I'm happy with the mates I have, and also my family. Why are there always people out there trying to put you down though? Is it because their lives are so boring that they have to get enjoyment from trying to put others down?
I dont know, and I dont want this to turn into a rant. They aren't worth my time, and as I said, I'm happy with who I have in my life, the people who dont use me, and take advantage.
So to summarize, things are pretty good. hopefully the Audi sells, and then I can pay off more debt, and then its a matter of just paying off my loan.. but i will have over £800 to myself a month . Which I'll be very happy about!
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