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The long haul supporters thread...
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Yes easily done. Spent £120 on a new lawnmower and some slate at the weekend. Worth it in some ways but do feel a bit guilty.:jMay 2013 new beginnings:j0
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Waiting for DD1&2 savings cheques to clear so I can knock £1.2k of the debt. Plan to repay wilth extra interest in 5 years using work shares I cant touch at the moment.
Hoping to sell car ASAP to add another £1.5k towards it and then planning to overpay by £75 amonth to bring DFD down to 3.5 years.
Really got fingeres crossed. Never though I could get the date down when I first started deriously posting on here.:jMay 2013 new beginnings:j0 -
Don't feel too guilty wendy, you know exactly how much you are spending & are starting to make massive inroads into clearing your debts. All the best,back on tomorrow!!Yes easily done. Spent £120 on a new lawnmower and some slate at the weekend. Worth it in some ways but do feel a bit guilty.Debt at LBM(July 1st 07)-£35,053.92 Debt on 1st Anniversary of LBM(July 1st 08)-£33,170.11 (31st January 09)-£32,318.73Paid off so far £2,735.19(7.8%) Average paid off p.m. £143.95 L/H supporter 115 DFD target February 2018 DFD March 2028. PAD(Started 28/12/08) £253.77 £10 a day Feb £110/£280 WEDDING Paid off £1,585.96 Saved Up £925.400 -
Squirrel29 wrote: »Hi ZTD, are you male (one of these strange species) or female (have experience of this sort of thing!). If I've lost control of my spending at this stage.. just imagine what it would be like if I started seeing him and had to buy lingerie etc
;)
I'm male.
You needn't buy much lingerie. Taking it off time and again would never grow old..."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
Hi everyone, hope all is well with you. Well I need some long haul magic and wisdom from you. There is currently £109.80 in the bank, between now and next thursday total direct debits of £98.53 are going out. There is money of approx £115 going in tomorrow and we also have to get shopping and petrol and some new shoes for DS - we can not put this off, they are getting really tight and we have already put it off a couple of times recently. Next friday we will have a direct debit of £61.33 going out and probably only £70 approx going in! Any ideas.0
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aww squirrel hugs for you...nowt worse than unrequited love fr a kick in the teeth! Can relate to eye of ball ad haventbeen on here much this week as been o o/s tryng to get control of my gb which is far too much for lil ole me! Have felt re-inpired and am now on day 4 of no spends (plan to go til next Mon) and its tough! Realised that I still have a long way to go but onwards & unwards, just keep plugging on
Hang in there & as stated if hes not the right one then try & move on but can understand how you feel as it takes courage to be the asker!
Keep up the god work Wendy! Bet the kids will benefot long term anyway as knowing you you'll feel guilty and put extra in lol! Hugs others!! We'll get there in the end!Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0 -
Hi everyone, hope all is well with you. Well I need some long haul magic and wisdom from you. There is currently £109.80 in the bank, between now and next thursday total direct debits of £98.53 are going out. There is money of approx £115 going in tomorrow and we also have to get shopping and petrol and some new shoes for DS - we can not put this off, they are getting really tight and we have already put it off a couple of times recently. Next friday we will have a direct debit of £61.33 going out and probably only £70 approx going in! Any ideas.
Swap the direct debits for standing orders. DD come out when THE BANKS WANT THEM TO but SO come out when you want them to if you do internet banking. I frequently... and i mean maybe twice a week for every one swap the SO date to co incide with the money being in the bank. That way you can buy the shoes today and pay the bills next week. All my creditors agree to me making my payments on or before the last day of the month. This allows me to juggle the payments but it has to be checked daily especially if you are on a fixed income.
I also pay my water, council tax and an energy bill ( debt) by SO. I onlt have 3 DD house insureance, tv licence and mobile phone.
HTh
Alan0 -
Thanks for the advice CC I will definitely bear that in mind and try it. At the mo we are ok, have got the shopping and petrol today - went to ASDAs for a change, but still ended up spending the same as at Morrisons, the difference being only pennies. I dont think any of the supermarkets are significantly cheaper than the others nowadays. Have a good weekend everyone.0
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frazzmunch (116)
Another newby! Welcome!Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0 -
hi all....been reading the thread and decided to join in...debts of around 71k plus mortgage of 80k....lbm last year but have struggled to keep to the budget because have serious inability to commit wholeheartedly to something which feels so permanent....have promised myself time and time again that i will get it sorted, then let myself down through feelings of deprivation...:mad:
however...having worked reasonably closely with much of the budget (have savings for the first time in about five years...its basically an emergency buffer i decided i needed)....i know that if i commit to the programme i will succeed in winning the battle sooner, so have decided to finally do so.:rolleyes:
tomorrow is the fresh start day :j (i've had so many of these but this time i desperatly want this to happen)....i am quitting smoking, having at least three no spend days a week, sticking to my budget, starting car boot sales to earn extra cash and making sure that every day i make a difference to my debt. Most of the 71k is at 0% interest..i renegotiated with creditors when my situation became dire...i have about 3k worth of debt with interest and once i have my buffer at 1k all my spare cash will go towards paying them off. When i have completed that (aiming for april 2009) i am switching to a chuck everything at it mortgage and reducing that asap..then the rest of the 0% debts will be cleared. So, I am hoping to be debt free entirely in 2028. _party_ but am hoping to acheive that sooner with determination and support from this site:T :beer:
sorry for the ramble...thanks for listening!!:o0
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