// April 21st, 2008 // No Comments » // Random Stuff
Over the history of my lifetime I have spent stupid amounts of money on things that I neither needed, or even necessarily wanted. So much so that by the time I reached 25 years old I was somewhere in the region of 50k in debt. Without a house, and without an expensive automotive vehicle it was really hard to understand where that money had gone and to this day is probably the most annoying thing about the situation I find myself in financially.
Well, about 3 years ago I woke in the morning to a letter from a debt collection agency that said I owed then 12k and that if I didn’t pay within a week I’d be taken to court and bum raped for everything I owned in the world. Now of course that didn’t happen as I responsibly called them up and arranged to pay them back the money that they had purchased from a loan whose direct debit had managed to somehow get cancelled. A loan from a company I must say who didn’t try to contact me about the direct debit being cancelled even though they had an address, an email address and 3 phone numbers for me. So in the responsibility for the debt I’m taking joint responsibility with the lender (Egg by the way, utter bastards).
Anyway, the point of this post is that I have been recently thinking about this debt and so decided to call the debt collection agency up and find out how much I owed them. To my utter surprise it turns out that I’ve got less that two thousand little pounds left to pay them before I am free of their grasp on my life. And that is easily accomplishable this year. I am a super happy bunny.
The best day for finances in a long time.
Now all that is left is my Norther Rock loan which stands at 3200, my Lloyds TSB loan which stands at 10,000 quid, and my Goldfish Credit card which stands at 980 quid… Then it’s onto the “soft” debt (i.e. money I can still draw against) with Cahoot - of which there is 10k. So, 25k left… Wooooo… Not feeling quite so happy now :(