Our Journey from Debtdom to Freedom

Evening all!

Not sure where the last 6 days have gone, it's been a bit of a whirlwind and a spendy one too if I'm completely honest. I've lost my way a little by taking on too much again - something I regularly do which causes me to get too tired and busy to ensure I remain absolutely focussed on the task in hand - clearing all unsecured debt within the next 528 days.

On a more positive front at least I've recognised this and reigned myself in by taking stock tonight rather than ignoring it and not addressing it which always leads to me falling off the proverbial debt wagon.

So to remind myself of what's been going well;
-all lunches taken to work last week
-no expensive coffee bought at work
-mobile charged at work all week
-3 more items off to eBay and said funds shifted to debt mountain
-first ever mortgage overpayment made with excess from interest rate reductions

Trying to remain really positive but the downside of having this countdown just ticking away....it doesn't half make you realise just how quickly Feb 2018 will be here ...and its really, really daunting - we can't afford a spendy slip up like the one we had this week - I'm going to forgive myself and move on, but this is last chance saloon - there's absolutely no slack in this rope!

Tomorrows a new day...Onwards and downwards!

Good night all x

Hello!

After a mad busy week and in the midst of another (it's endless at work and on the home front there's just no room to breathe!) were still plugging away at the number 1 priority...but boy is it hard when you've so many balls to juggle all the time!

Here's Monday's (and Tuesday so far) updates;
- lunch taken to work
- walked to train station rather than getting the bus
- no expensive coffees bought at work
- still under grocery budget of £400 for the month which is a huge achievement for this point in the month cos we love our food and cooking adventurous recipes!
- gas/Elec switch with estimated saving of £400+ per year

I've also started YNAB planning for next month ... We've big bills for car insurance coming then and I usually start Xmas shopping so it'll be another tough month (aren't they all?!)

Over and out!

Jumblerina wrote: »

Great work on clearing your debt so far HD don't under-estimate the benefits of all the cooking and taking lunches to work you do, it all adds up! I'm loving your day countdown to debt freedom, I can imagine it makes you focus on all the little things that help you reach your goal.

Keep up the great work

Jumblerina xxx

Thanks so much for the encouragement jumblerina! You're absolutely right all the little things add up and it's really hard to remember that when you're face with debt mountain we have to climb cos the numbers are so big!

I'm loving the daily countdown too but my word is it frightening how fast the days fly by! I'm already panicking that we'll soon drop beltow 500 days and be into the 400's! :rotfl:

Thanks again for stopping by,

Hazel x

Omg just got really excited when I remembered that our next overpayment in 4 days time will take us into the 40's and below the 50k mark! Eek!!


Sorry just had to share! Another milestone almost achieved! Yay!