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  • FIRST POST
    Loopylou1
    Single DFW
    • #1
    • 28th Sep 12, 2:58 PM
    Single DFW 28th Sep 12 at 2:58 PM
    Hello

    I'm new and excited!

    I was just wondering.. i've been trawling the boards alot and there seems to be alot of couples working together to be DF....having just been put back onto the market not by choice I was wondering if there are any other singletons out there going through this alone? and how you are getting on? I guess it worries me that the couples have each other to lean - on can being a single DFW be really lonely?


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    Last edited by Former MSE Debs; 23-10-2012 at 1:54 PM.
    CC1...£5,491.00£5,223.98....Loan 1..£3,891.00£3670.84...
    CC2...£415.00 £395Mgment Co: £1,398.00£1082.00
    £11,195.00 £10,371.79
    DEC NSD:2/15.....£2 Saver = £0....Swagbucks 796/1999
    S.A.D - and proud of it!!.... Paying a debt off by Xmas: CC2
Page 34
    • Nessa56
    • By Nessa56 5th Sep 15, 2:47 PM
    • 941 Posts
    • 5,139 Thanks
    Nessa56
    Another month goes by and I am now below 13.5k.

    However things at home are far from great at home and it looks like my parents are going to split up. So the future looks uncertain as I am living at home with them at the moment and this may mean that I have to move back into my place before I have paid off all my debt.

    I'm not really too sure how I feel about it all, on one hand I would like them to sort things out but on the other I think they might actually be happier apart.
    Originally posted by Muhren
    Hope all goes well for. You have done so well up until now. I know you will be okay

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    • Muhren
    • By Muhren 5th Oct 15, 8:34 AM
    • 1,512 Posts
    • 2,921 Thanks
    Muhren
    So September was a great month for me on the debt busting front as I finally received my back dated payrise and also had a nice chunk of overtime on top of that.

    This has meant that I was able to clear £2750 off my debt and go below 10.5k. I am now on track to get below 9k by the end of the year.
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • Nessa56
    • By Nessa56 5th Oct 15, 9:42 PM
    • 941 Posts
    • 5,139 Thanks
    Nessa56
    Well done you


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    • Muhren
    • By Muhren 1st Nov 15, 7:12 PM
    • 1,512 Posts
    • 2,921 Thanks
    Muhren
    So October was another great month, my last bit of over time was paid and I also didn't spend that much this month either. I am now below 9k, which what I was aiming for at the end of the year. I do have some expense coming up between now and then though, my car needs its main service this month and also needs taxing at the end of the year.

    I came home to an envolope from a solicitor, I was intially a little worried as to what it was. I opened it and the first thing I saw was a cheque but couldn't think of what it could be for, I then saw the amount and was in a little bit of shocker and thought it must be a scam. I then started to read the letter and it all became clear. It was from the solicitor dealing with my great aunt's estate after she passed away earlier on in the year. It still took a little while to sink in but I have been left £5000.

    I actually felt a little down after this as it reminded me that she was no longer with us (it is the first time I have inherited money). I also feel like I have somehow cheated in my quest to become debt, don't get me wrong I am very greatful but in a way I wanted to clear it myself. Is that weird?
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • hydrangea
    • By hydrangea 1st Nov 15, 9:09 PM
    • 38 Posts
    • 138 Thanks
    hydrangea
    I'm sorry for your loss, Muhren. However, pleased for you about this opportunity. I understand about the wanting to pay it off yourself, something similar happened to me. Why don't you pay off your highest interest debt, and then leave some aside as an emergency fund if you don't already have one?
    • Muhren
    • By Muhren 1st Nov 15, 10:49 PM
    • 1,512 Posts
    • 2,921 Thanks
    Muhren
    I am paying back my folks as they are looking after my finances. I have paid the cheque into a new bank account (waiting for an activation code) once I have that I will transfer it all over. I am thinking of going to Canada to visit a mate next summer so I can use some of that money to do something other than just pay off debt.
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • claire1a
    • By claire1a 2nd Nov 15, 11:00 AM
    • 96 Posts
    • 458 Thanks
    claire1a
    Muhren, Sorry for your loss and I completely understand you not wanting to use this money to clear off debts. I inherited money from my grandma and this went straight into a savings account - this has been used for my 30th trip to florida, getting a dropped curb and some went to clearning off a CC. The rest has been earmarked for replacing my kitchen's flat roof and £1000 of pure emergancy never to be touched ever ever fund...

    I suggest that you keep some of this money aside as an emergancy fund and I think using some of the money for something fantastic like a trip to Canada will be a fantastic legacy to your great Aunt (this is just my opinion tho!).
    Debt free June '16.
    EF #151 - £525.27/£1000
    New York £383/£1500
    • Muhren
    • By Muhren 10th Dec 15, 9:03 AM
    • 1,512 Posts
    • 2,921 Thanks
    Muhren
    Have updated my sig, I now have less than 10% of my debt left to pay (plus interest/fees that will be added on, which my dad has been paying). Besides Christmas I have a bit of an expensive month but will still be able to get below 3k by the end of the year.

    All being well I will be able to clear the capital by the end of Feb. That is all dependant on getting my company car and being able to sell mine. The delivery of the car has already been put back a couple of weeks, and from other peoples experiences it could be months!

    I will also be starting a new job at the end of Feb start of March, which will mean a bit of extra money I can throw that at the interest that I owe my dad.
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • Muhren
    • By Muhren 2nd Jan 16, 8:05 PM
    • 1,512 Posts
    • 2,921 Thanks
    Muhren
    Happy new year everyone!

    I have just had a look back at my post from this time last year and my target was to get below 16k. I have well and truly smashed that, as I am now below £2,700.I know that I had some inheritance but I still can't believe I have paid it down by this much.

    As it stands my DFD will be in September but I am hoping that I can bring that forward a couple of months.

    Here's to a great 2016 for everyone!!!
    Last edited by Muhren; 01-02-2016 at 9:26 AM.
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • Nessa56
    • By Nessa56 3rd Jan 16, 12:09 PM
    • 941 Posts
    • 5,139 Thanks
    Nessa56
    Happy new year everyone!

    I have just had a look back at my post from this time last year and my target was to get below 16k. I have well and truly smashed that, as I am now bloew £2,700.I know that I had some inheritance but I still can't believe I have paid it down by this much.

    As it stands my DFD will be in September but I am hoping that I can bring that forward a couple of months.

    Here's to a great 2016 for everyone!!!
    Originally posted by Muhren
    Brilliant. Well done


    Happy new year

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    • vw campervan mum
    • By vw campervan mum 4th Jan 16, 11:15 AM
    • 207 Posts
    • 1,853 Thanks
    vw campervan mum
    Well done and Happy New Year
    Debt Free. Have my Van. Find dream
    Frugal 2016 Target @£400 per month
    Month 1 £400/£400 Total of 6 Months: £/£2400
    Food £0/£120 pm Diesel £0/£100 Me/DD £0/£80 Yearly (clothes/holidays/presents) £0/£100

    It's not the end, it's the journey and how we travelled.
    • Muhren
    • By Muhren 1st Feb 16, 9:33 AM
    • 1,512 Posts
    • 2,921 Thanks
    Muhren
    Morning all, I can't believe that it is February already.

    So my debt is now hovering just above £1600 (plus interest). If my car turns up through work this month and I am able to sell mine this will be down to zero and I will have started to chip away at the interest that I owe my mum and dad. We still haven't sat down and discussed this so I still don't know how much this will be but I think it is in the region of 6K, so we are not talking peanuts here!
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • claire1a
    • By claire1a 1st Feb 16, 10:18 AM
    • 96 Posts
    • 458 Thanks
    claire1a
    Well done!!! You have done so great at getting your debt down!!! Be very proud of yourself!
    Debt free June '16.
    EF #151 - £525.27/£1000
    New York £383/£1500
    • claire1a
    • By claire1a 1st Feb 16, 10:22 AM
    • 96 Posts
    • 458 Thanks
    claire1a
    ok so my debt has slightly spiralled out of control since Christmas (and I had such a frugal home made christmas too!) I killed my phone so brought a new iphone out right... I know I shouldnt of but really really cannot live with out it!!! I've also started a new healthy living/ fitness reguime which has initially cost me £400 so far =O so thats £1000 further in debt already!!!! I am chipping away at it, plus I have been trying to save a little Emergancy fund but boy i'm sick of being sick and worried all the time!!!!!!! I think it's time to give myself a stern talking too!
    On the plus side I have been spending less in groceries as using up my cupboards/freezer and i've started walking home from work. But... I did have a date this weekend, which cost me £150 in a new outfit, meal out and drinks =( I think perhaps I need to stay single lol.
    Debt free June '16.
    EF #151 - £525.27/£1000
    New York £383/£1500
    • Muhren
    • By Muhren 1st Feb 16, 11:22 AM
    • 1,512 Posts
    • 2,921 Thanks
    Muhren
    ok so my debt has slightly spiralled out of control since Christmas (and I had such a frugal home made christmas too!) I killed my phone so brought a new iphone out right... I know I shouldnt of but really really cannot live with out it!!! I've also started a new healthy living/ fitness reguime which has initially cost me £400 so far =O so thats £1000 further in debt already!!!! I am chipping away at it, plus I have been trying to save a little Emergancy fund but boy i'm sick of being sick and worried all the time!!!!!!! I think it's time to give myself a stern talking too!
    On the plus side I have been spending less in groceries as using up my cupboards/freezer and i've started walking home from work. But... I did have a date this weekend, which cost me £150 in a new outfit, meal out and drinks =( I think perhaps I need to stay single lol.
    Originally posted by claire1a
    That is an expensive start to the year! Can I ask why you had to go with an iphone over something less expensive? I have never had one so I don't know what all the fuss is about, I just wondered.

    I didn't mention it in my post earlier but I have been seeing a girl since the start of the year, so I'm with you that dating can be expensive! I don't want to complain though as it has been fun so far, I will just have to wait and see how things pan out though, so watch this space!
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • Skinnylatte
    • By Skinnylatte 1st Feb 16, 10:44 PM
    • 1,102 Posts
    • 4,621 Thanks
    Skinnylatte
    lovely to read all your stories. I'm still single. 4 years and 32 days now
    Mortgage @ 12/04/2015 £136121 £120,525 11.45% DI £9.13 £6.48
    Mortgage free day 06/03/33 07/12/2032
    Emergency/Offset Account £
    3365/£6000
    CC Balance £6100
    £3690 Paid 39.5%
    1st LBM 02/06/2013 £21595 Debt Free Day 27/03/2015


    • Muhren
    • By Muhren 19th Mar 17, 11:34 AM
    • 1,512 Posts
    • 2,921 Thanks
    Muhren
    I was thinking the other day what has happened to this thread, I don't post much in this section of the forum anymore but have this thread bookmarked and have just the last page. It's been a year since I last posted here, so what has been happening....

    I have cleared all of my debt, got a new job and car, moved back into my house and currently in the process of finishing off my new kitchen. So things are very much looking up for me, although I do still have days when I feel down/anxious, but the the whole things are looking rosey. Especially when I look back to where I was 4 and a bit years ago. I am back to being single however, you can't have everything I guess!

    If anyone does read this, how are you all getting on now?
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


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