Whooaaaaaa! We're half way there Whooooaa! Livin' on a prayer

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  • submarine76
    submarine76 Posts: 142 Forumite
    Debt-free and Proud!
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    I know the feeling Calling. I too have been hit with a couple of thousand in expenses in the last 2 months which has clobbered me, I haven't made much progress but will be back on track soon, chin up :O)
    LBM 11 Nov 14 Total Debt £25,013.98 DFD 5 Sep 17 Total Debt £0

    Emergency Fund £800.00
    Mortgage £73,000     BTL Mortgage £38,000
  • Calling14
    Calling14 Posts: 3,498 Forumite
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    Thanks Submarine sure we will both bounce back. :)Looking at your signature wow you have better form than me:o

    Keep on going :T:T
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • Calling14
    Calling14 Posts: 3,498 Forumite
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    Thought I would keep this going even if I am having a month off debt busting challenges. Struggling with this months activities how to fund them.:( Can't cancel any of them either.

    Have a trip to Dublin booked, staying with a friend next weekend but flights and car parking adding up plus can't imagine staying in every night. :p Have a family wedding the following weekend so given in and finally getting my hair done today.:D Decided to drive home after wedding saving 130 pounds on accommodation. Still need to get wedding present.:( The weekend after best friends big birthday so need a pressie.:(

    Much prefer to hibernate and get my debts cleared instead of adding to them! Sure I will enjoy my Dublin trip. :cool:

    Looking forward to getting back on track in September. Feel such a failure at the moment.:o

    Had to spend day bunny food, picnic stuff and milk needed. Hopefully don't need any more food before I go on my trip. Happy still all under a tenner. :)

    Had to buy a buttie as well, late getting up and had to feed next doors cats before work. Found reduced butties in Boots so wasn't too bad.

    Hopefully only little spend tomorrow planned a picnic but no doubt bf still want to go out pigging out in the evening. Weather is looking good. Happy to stay at home Sunday/ pack and clean house.
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • Calling14
    Calling14 Posts: 3,498 Forumite
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    It's September, after an extremely busy month last month debt risen again.:o:o:o:o

    To be honest shouldn't have really gone to Dublin as haven't saved up first at all, combined with wedding following weekend and then 2 different bday parties following weekend. Ended up putting my car insurance onto my credit cards as raided every pot for money, plus treated my bed to new bedding after 90 degree wash wasn't looking great .

    Bad news won't clear my debt now before xmas 2016.:(:(

    Debt now stands at 4057.00.

    Action plan this month.
    Don't spend at all on credit cards.
    Try and stay in or minimum spend if do go out.
    Get as many surveys in the bag - to save for Xmas.
    Try and get as much exercise done as damaged hamstring will allow.
    Diet Yes finally seeing wedding pics and one of last weekend - realized that I am getting fatter and fatter. - Trying just to eat healthy and cut out cakes.
    Need to work out new debt free day and stick to it.
    Need to build up an EF as well as that is down to 20 pounds!!!!!!!
    Aiming to get credit cards down to 3500 by the end of this month.

    Good news Quidco paying me 65 pounds next week so will transfer that to EF and planned payments of 207 to go out next Thurs to CC increased minimum payements. ( I get paid weekly so love 5 week months :))

    Head feels so much clearer now I have come clean so to speak.:o

    Upwards and onwards.:j:j
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    You can do it x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • Calling14
    Calling14 Posts: 3,498 Forumite
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    Thanks Monz just sat here pondering what I can pay off this week. September is looking good at the moment.
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • Calling14
    Calling14 Posts: 3,498 Forumite
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    Well it was going well until I bought a new bed on my credit card but so worth it.

    Debt rose to 4493.00 now stands at 4338.34 after today's payment.

    Back and NO spending this time.:o
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
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    Should I make some terrible joke about making your bed and lying in it? No won't do that...
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    Oooooh happy new bed

    We get a new mattress on Thursday.........exciting xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • Calling14
    Calling14 Posts: 3,498 Forumite
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    Bobarella wrote: »
    Should I make some terrible joke about making your bed and lying in it? No won't do that...

    Nice one Bob:rotfl::rotfl:
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
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