Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
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I paid all my debts off a while back and never been in debt since that I couldnt manage.
Currently share a car with the bird and exlcuding mortgage we have an outstanding loan on the car of about £3k.
I remember I used to be in so much debt it kept me awake at night, its so easy to get money these days. Just wondered what situaton everyone else is in at the moment.
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Where is the option for 0?
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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£0
Unless of course you take into account my mortgage.
Never have been in debt either.
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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Iv got a £1200 student overdraft atm, planning paying that all off next month. Couldve did it before now but just left it until bank asked for money 
7k of my car is financed, over 3 years
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
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ZERO!
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Nick-S
Member
Registered: 3rd Mar 04
Location: Leigh. Drives: RS Megane 230 F1 Team R26
User status: Offline
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ive got 8 mnoths of £174 to pay on my car and i ow about £350 on my credit car so not that much realy.
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Half Pint
Member
Registered: 25th Mar 02
User status: Offline
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i think at one point i had around 20k debt, not now, i owe nothing and have savings....
it's the best feeling ever, although it pisses me off the amount of people i know who run up stuipd debt and then decided to go bankrupt....
if i want something i just save for it now, although once the morgage goes through this will happen less quickly.
currently i am saving £1600 per month.... 
[Edited on 17-03-2009 by Half Pint]
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Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
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quote:
Originally posted by Half Pint
i think at one point i had around 20k debt, not now, i owe nothing and have savings....
it's the best feeling ever, although it pisses me off the amount of people i know who run up stuipd debt and then decided to go bankrupt....
if i want something i just save for it now, although once the morgage goes through this will happen less quickly.
currently i am saving £1600 per month....
[Edited on 17-03-2009 by Half Pint]
Same mate, since I got my own place takes allot longer to save for things, credit cards make it so easy sign and its yours. Its scary I cut mine up the other day, that way I have to save lol
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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Couple of grand on my car
Credit card that the ex raped
Mostly stuff i need to pay off due to the ex being a money hungry bitch
About 7k in total  Will pay it off this year though
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Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
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Just over 1k. Nothing I can't manage. I've just been on party mode for the last 6/7 months and been buying what i like and doing what i like. But i am now starting to pay it off and get it reduced over the next year.
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scoob
Premium Member
Registered: 16th Oct 03
Location: Beverley, E Riding of Yorkshire
User status: Offline
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2.3k on a car and around 85k on mortgage
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Mad Moe
Member
Registered: 14th Jun 01
Location: Northumberland
User status: Offline
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Have about £1K left to pay on an old loan, purchased my new watch on Interest free credit over 18mths and a couple of hundred quid on my credit card so just over £3K in total.
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Jakey
Premium Member
Registered: 4th Jun 07
Location: Sandbach
User status: Offline
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£0
Never borrowed money or had a loan. Everything i've got i've bought with my own money, if i haven't got the money i won't buy it.
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MJFF88
Member
Registered: 30th Apr 08
User status: Offline
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I dont know if loan is counted as debt? Just over £3k on a loan. Other than that, nothing.
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BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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quote:
Originally posted by James
Where is the option for 0?
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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quote:
Originally posted by MJFF88
I dont know if loan is counted as debt?
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
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Mad Moe
Member
Registered: 14th Jun 01
Location: Northumberland
User status: Offline
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quote:
Originally posted by Half Pint
i think at one point i had around 20k debt, not now, i owe nothing and have savings....
it's the best feeling ever, although it pisses me off the amount of people i know who run up stuipd debt and then decided to go bankrupt....
if i want something i just save for it now, although once the morgage goes through this will happen less quickly.
currently i am saving £1600 per month....
[Edited on 17-03-2009 by Half Pint]
Out of interest what do you do for a living that allows you to save £1600/month?
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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quote:
Originally posted by MJFF88
I dont know if loan is counted as debt? Just over £3k on a loan. Other than that, nothing.
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jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
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Im about £1000 in debt with my girlfriend
She started off not too bothered, but when it got over £500, she wants paying back
Not my fault she doesnt use her student loan 
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Half Pint
Member
Registered: 25th Mar 02
User status: Offline
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quote:
Same mate, since I got my own place takes allot longer to save for things, credit cards make it so easy sign and its yours. Its scary I cut mine up the other day, that way I have to save lol
lol.... well i'll keep the Credit Card for rainy days and work expenses which will clear it each month.
but I try to keep a spare pot of cash to cover those unexpected costs if things break, that way i'll never need to use credit again, i watched my mate go from someone who is always in credit and has savings to a guy who has no money and has it all on tab.... and saw where i went wrong previously!
he di it just so his mrs could get out of debt... and now she is applying for jobs in Aberdeen and is planning to move away...
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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From £17k to about £3k just now.
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Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
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quote:
Originally posted by Jakey
£0
Never borrowed money or had a loan. Everything i've got i've bought with my own money, if i haven't got the money i won't buy it.
Surely this will back fire when you come to buy a house, I use 1 credit card daily and pay it off every month keep it paid up and never late that way I have some good credit history. Where as if you want a house they wont know what your history is like as u have never had any........
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a_j_mair
Member
Registered: 23rd Jan 04
Location: Scotland
User status: Offline
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got 2 mortgages
excluding that £1k on a interest free cc
and £7k on new car wee just got in feburary
would like to have all debts paid off by end of the year but will depend how much work i do round the house this year, need to block pave a drive way paint the house finish a fence off
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Half Pint
Member
Registered: 25th Mar 02
User status: Offline
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quote:
Originally posted by Mad Moe
Out of interest what do you do for a living that allows you to save £1600/month?
am a procurement manager for a retail bank..... and also learnt how to manage money and spend wisely. gone are the days of drowning champers in clubs and partying from thursday to sunday....
that said my quality of life has probably changed for the better i just enjoy doing different things now.
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