The long haul

I accepted some time ago that I would be paying off my debts for a long time to come, and that continues to be the case. I believe that I should pay what I owe, so I can be confident that nothing will suddenly appear in the future and make things difficult again.

That said, it is really dificult to keep that resolve when others around me are having debts written off and the simply can't, or don't, pay.  And it is even worse when it is companies or governments who are getting the bailout.

I have no one but myself to blame for debt problems. I'm sure others are the same, yet some are getting off easier than others. 

I am in danger of this post turning into a directionless rant, but I feel I have to let it out. My car is in desperate need of repair, I have large fuel bills and I really need to sort some things around the house, but that is not going to happen.

Our lovely Tory government tells us we are all in this together. Not even close my friends. They keep things dificult for the masses while making sure they are looked after.

Some things never change.

A welcome boost

It is ten months since I last posted.  This is definitely not deliberate, more through a combination of being constantly busy and hopelessly forgetful.

I recently had a great development in my fight against our family's debts.  When we took out our mortgage in 2006, there was an unsecured element separate from the home loan.  It now seems that some of the communications that were sent to us were not to the correct standard, which led to the interest payments being affected.

This has led to almost £1300 being credited back to the account, over three months of payments in my current set up.  What a boost.

Aside from this, there have been no more purchases on credit for over the years now, and the debt continues to fall.  Thanks to the rate of inflation, we have less to spend on the payments, which has led to me reducing them and increasing he time taken to pay off.  It is galling to know that it will take longer than expected, although the fact it continues to go down is wonderful.

So, despite no updates for some time, things continue to go well.  Here's to the future.