Debt, get ready to kiss your @$$ goodbye!

A question about : Debt, get ready to kiss your @$$ goodbye!

Starting here with $21,587 and set to drop this weekend.....

Best answers:

• I hate debt - it's made me miserable for my entire adult life. Taking charge and taking back my life.....and taking as many friends and family with me as I can!
• Lots of luck on your debt free journey
  I could kick myself stupid for getting into the pickle that I'm in but there's nothing else for it except to man up and pay it off !!!!!
  Here's to better debt free tomorrows
• Agreed scotdebs and thanks for stopping by my diary. Time to put one foot in front of the other in the right direction....and try to do it without complaint! Hoping I can help a friend or two in the right direction also.
• Good luck Hok3y. You sound like you're in the right frame of mind to get this tackled. One day at a time, one payment at a time, it's all the right direction. Xxxx
• Good luck HOK3Y! It will be a bumpy road but we'll all get there in the end!
• Thank you wegle and HDTH - it does the heart good to have people stop by and say hello.
  Doing really well today - I have turned my hand to matched betting (not for the faint of heart) and am already well up in the black and looking at pulling in an additional Ј70 or so this weekend. My accounts brain has definitely been of great help with this. Also have a carboot to go to and sell some extra junk from the house on Sunday plus my Ebay listings are looking at churning out another Ј40+ in my direction tomorrow. Every penny helps when you commit to using even the pennies to pay down debt. Never been so happy to find 20p in my sofa today! Put it away in my sealed pot. Hoping to store away about Ј100 before Christmas and then the whole lot is getting slammed off my US cc - can't wait!
• Well done for mastering the matched betting. I looked into the thread a few months ago and my brain completed melted!! Think I'll leave that up to the pros!!
• Hi wegle, well I will say that my brain threatened to melt the first time I read it! I understood the principle (although I am sure my background helped me grasp that quicker than most) but what was terrifying to me was actually using the bookie's websites. Very intimidating at first. I have been talking to my brother in law about it and hope to get him started with it soon also. When I first looked at it, I considered putting out a message for someone who lives close to me to hold my hand through the website use! But I have it down now - only made one mistake - which cost me about Ј30 so you have to understand that a wrong click or two can certainly cost you, but I've made that back plus about Ј25 with a chunk more set to fall into my accounts over the weekend. Definitely on a bit of a roll! If you think your brain can take it, it's worth reading that thread a couple of times, ask the experts for help when needed (I had to do this a few times and they were very good to me), and then proceed only when you are sure and triple check everything!
• wow. you sound determined!! Good luck x
• Hello TTGU, I figure 'determined' is the only way I'll ever get rid of it - and if I can find a way to get rid of it quicker, then I will!
  Just raided coat pockets, spare handbags, the "man-drawer" and found an additional Ј1.41 in shrapnel for my sealed jar. Also 30 Euro cents which I've bundled away with the rest of our Euro coins. I also note we have a fair amount in USD coins. If anyone is off the US and would like a really good exchange rate for some coins......
• I might just go have another look then. I generally consider myself to be a numbers girl, I'm an engineer by trade, but it really did addle my mind when I read it.
  Well done on the Ј1.41!! I've got loads of euro coins at home but I'm not sure the bank will change them up. Will have to collar a friend or family member next time they go on holiday to take them off my hands!
• TTGU, the only unsecured debt I have left is a cc which is directly tied to our US current account - and I don't want to lose the current account or ruin my standing with the bank as they have been fabulous with us. I could probably have asked for the other line of credit to be shut down on 0% interest but having been through that stress one time before (and still suffering the effects to this day), I just decided to put my mind to getting it paid off - that's the one I only have about $230 left to go. That's no mean feat as it stood at $5000 just 3 months ago. The car loan is a fair cop - our car is just 2 years old and we love it. So, I'm just biting the bullet and paying all of this junk off as soon as is humanly possible!
• Wegle, go for it - just read that thread a few times until it starts to make sense. The jargon is the worst. I won't say to ask me for help if you get stuck - I am the last person to ask but there are tons of smart people on that board who will help you. Best of luck to you!
• Finding 21p in town this afternoon was certainly a happy moment so the sealed jar is a little heavier now. Sitting here working some magic with the matched bets and waiting on some results over the next few hours. Happy lady!
• So today is set to be a NSD as I am not planning on leaving the house. Will still find at least 1p to put in my jar - my rule is that something has to go in everyday. Spending the morning working the matched bets and should be up over Ј100 by the end of today. My EBay auctions end in about 2 hours and look set to bring in about Ј50+. Hoping for a good result at the carboot sale tomorrow. It looks set to be a good money spinning weekend! Let's see if I can break Ј250 in extra cash by Sunday evening!
• I have sat here this morning and read some of the stories and diaries of others. I feel blessed. Yes I have debt but my word I have come to realize that there are always people in worse positions. Just want to reach out and hug everyone who is struggling but trying to put one foot in front of the other. I wish the very best to each and every one of us.
  My Ebay auctions have just come to an end and netted me Ј65 so I am mucho happy about that. I also found a couple of items that I can list to raise a few more pennies too. At this rate, we'll have the most uncluttered home on the planet!
  I had a small splurge this week and bought 'The Secret' - I have been meaning to read it for a while as I fully believe in the power of positive energy. Looking forward to getting stuck into it and learning to lean to the brighter side of my disposition!
• REALLY REALLY EXCITED!!!!!! Some money came into my account a couple of days early and I have paid off one of my accounts in full!!!! So so happy!!!! Doing a little jig round the table! Just got to watch online for it hitting the debtors account in the US (and they have a bank holiday on Monday so that adds to the delay) and then I can close that sucker and never look back! Also made my car payment which brings that balance down too. Happy, happy day! Will update with current balance of debt once the payments hit the accounts and I know exact remaining balance on the car. Could not possibly smile more!
• A good day today. Ended with Ј65 from Ebay, Ј115 up from MB, 10p in my sealed jar (every penny helps!), and I even got to set up the final payment on my US line of credit. That all feels pretty good! Completed a few surveys also which will all add up as well. Tomorrow looks set to net me some more pennies through MB and here's hoping the weather stays nice for the carboot sale in the morning. Wishing everyone a profitable weekend and slightly less debt at the end of it!