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  • FIRST POST
    • DancingUnicorn
    • By DancingUnicorn 12th Mar 17, 1:33 PM
    • 64Posts
    • 121Thanks
    DancingUnicorn
    I Can Do This
    • #1
    • 12th Mar 17, 1:33 PM
    I Can Do This 12th Mar 17 at 1:33 PM
    Hi,

    I'm actually already on my debt-free-wannabe journey but recently found this awesome forum and decided this will help me stay accountable. Unfortunately, I'm not in a position for this to be an easy fix. I start a teacher training course in September and will be leaving my nice secure job to live on a measly (quoted around £5.5k) student loan. Luckily, I do have a Saturday job (which I'm hoping to keep), a Dad who's giving me a little money each month (once my course starts) and a lovely boyfriend who has offered to pay the shortfall between my student loan and my expenses.

    I contacted StepChange back in June 2016 and they recommended I begin on a token payment plan, paying just £1 a month to each of my debts.
    Since then, my Mum lent me the money (I currently pay her £10/month back but will be pausing this once I begin my studies) to pay off one of my credit cards which helped a little (the interest rate was extortionate and Mum charges 0% interest).

    I contacted SC again in December to say I was in a better financial position (I had reduced lots of my bills) and was offered to enter a DMP with them, paying back £61 a month (still not a lot, but better than £1!). I had a bad bought of anxiety and only managed to send off my documents yesterday (11/03). However, they said my DMP should be set up within 2-3 weeks of me sending my documents, so fingers crossed this is set up in time for next months bills.

    My DMP currently states that it will take me 18 years to pay off my debts, but if I add in the money I'm currently paying for my car finance once that's paid off (£162/month) this will reduce to 6 years and 11 months. I'd like to do it in 5 or less.

    I recently rediscovered TopCashback (I have money cashed out in 2013/14 but for some reason forgot about it again until late last year) and my dashboard (since rediscovery) is currently:
    Payable: £50.16
    Confirmed: £34.50
    Pending: £1.12
    This is only from things I would have bought anyway (Christmas presents, contents insurance, etc.). The money I eventually cash out will be going straight into my savings pot. I know it's important to add everything I can towards my debts, but until I have a proper job in September, my priority is to keep up with my current bills, the DMP and save as much as I can for it the proverbial hits the fan while I don't have a steady income. Once I complete my training and get a teaching job, any money I didn't have to use that I had saved will be split between a reasonable emergency fund and the rest thrown straight at my debts. I don't want to pay things off now, only to have to apply for credit again within the next 18 months.

    Current upcoming expenses/renewals (before September):
    - Car insurance renewal (hoping to knock some off this)
    - Phone upgrade (already looking into the best SIM Only deals)
    - Sky (will be dropping down to the lowest package available)
    - Utilities (not sure I'll get a better deal as I currently only pay £22/month)
    - MOT (hopefully won't cost a lot as the car is only 5 years old and 28k on the clock)

    Things to look into:
    - Student card (apparently I can get one now because I'm studying for a level 5 diploma in health and social care and a level 2 diploma in Autism awareness - don't even get started on how many courses I'm undertaking - but I need to find out if I am best getting one now and renewing it mid-way through my teacher training or just to wait until September to get the best/longest deal from it - any advice much appreciated).
    - Quidco
    - HotUKDeals
    - Credit Scores
    - MSE forums for more ideas
    - Meal planning

    So, this turned into an exceptionally long first post (sorry!) but gives a pretty good overview of where I am at currently (mentally and financially).
    Over the next few days and weeks, I'll add more and hopefully get a chance to read other people's stories for motivation and inspiration.
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
Page 1
    • jwil
    • By jwil 13th Mar 17, 9:12 AM
    • 7,495 Posts
    • 20,573 Thanks
    jwil
    • #2
    • 13th Mar 17, 9:12 AM
    • #2
    • 13th Mar 17, 9:12 AM
    Good luck
    "If you can dream it, you can do it". Walt Disney
    • JoJoC
    • By JoJoC 13th Mar 17, 9:27 AM
    • 1,144 Posts
    • 3,501 Thanks
    JoJoC
    • #3
    • 13th Mar 17, 9:27 AM
    • #3
    • 13th Mar 17, 9:27 AM
    All the best - sounds like you have a good support network around you. Hopefully with their support you'll be able to rid yourself of the debt sooner rather than later. Good luck!
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
    • DancingUnicorn
    • By DancingUnicorn 13th Mar 17, 10:40 PM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    • #4
    • 13th Mar 17, 10:40 PM
    • #4
    • 13th Mar 17, 10:40 PM
    Thank you both for the support

    I have no more bills due until the 27th (after payday) so what's left in my account needs drawing out to put into savings.
    I made some rubbish decisions today - I didn't prepare any lunch for work so had to buy it and ended up buying a drink in costa. Why is that place so expensive?! Also spent on a night at bingo on Sunday but that was planned and budgeted for as it's the only time I really go out with my friends. Didn't win though

    I've got my niece and nephew staying this weekend so I need to think of some free things to do with them (they're 4 and 5 so shouldn't be too hard!). Need to put in the kitty for a colleagues 60th and fill the car up but otherwise it should be an inexpensive week.
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • DancingUnicorn
    • By DancingUnicorn 14th Mar 17, 5:09 PM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    • #5
    • 14th Mar 17, 5:09 PM
    • #5
    • 14th Mar 17, 5:09 PM
    I got an email today from SC to confirm my DMP is up and running and they have spoken to my creditors to let them know they'll be making payments - very efficient! I'm kind of nervous, but also kind of excited to see the numbers slowly coming down.

    Signed up to Quidco and HotUKDeals - not spent any money yet though as I haven't needed to and am trying to stop spending on a whim.

    Signed up to the MSE credit score checker and Noddle - think I prefer Noddle as I can see everything laid out easier but I'm surprised that my scores weren't quite as low as I thought they would be. I suppose making payments (even reduced payments) helps to keep the scores hitting rock bottom.

    I wrote down all the meals I actually cook/enjoy eating at home and came up with a grand total of 15 - I knew I was a fussy eater but seeing it down on paper like this really made it hit home. My meat delivery arrives tomorrow so then I can work out, for the next month or so, a plan for meals.

    I've started to have a look through the other sections on these forums and am finding all sorts of interesting things. I'm going to try to spend some time tonight reading through some of the diaries here to get some more motivation and ideas. It'll also be nice to read that other people have setbacks too and maybe I won't feel so harsh on myself when I fall off the bandwagon.

    I still need to look into that student card and how to get the best deal out of it and now I can finally revisit my budget with a clear idea of how much I'm paying off each debt each month! Then I'd best get this work done - because 50+ hours a week isn't enough, I have to do unpaid work at home too!
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • Cumbria lass
    • By Cumbria lass 14th Mar 17, 9:40 PM
    • 381 Posts
    • 863 Thanks
    Cumbria lass
    • #6
    • 14th Mar 17, 9:40 PM
    • #6
    • 14th Mar 17, 9:40 PM
    You seem very organised and ready for the debt busting ahead . Good luck with it all. ::
    Aug 2017 CC1 £3659 CC 2 £1063.50 Emergency Fund £1200

    Debt Free Nov 2019: earlier if I have my way
    • Bobarella
    • By Bobarella 15th Mar 17, 12:38 AM
    • 10,465 Posts
    • 69,304 Thanks
    Bobarella
    • #7
    • 15th Mar 17, 12:38 AM
    • #7
    • 15th Mar 17, 12:38 AM
    There is always something interesting to read on this forum that is true. Good luck with it all.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • DancingUnicorn
    • By DancingUnicorn 15th Mar 17, 10:37 PM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    • #8
    • 15th Mar 17, 10:37 PM
    • #8
    • 15th Mar 17, 10:37 PM
    I got my work finished today (ready for a hand-in deadline tomorrow) and went to church for a surprise birthday party for a friends 60th. I contributed to buffet costs but between four of us this came to under a fiver so I'm not too bothered and it's within budget.

    Since not a whole lot is going on right now, financially, I thought I would do a little post today reflecting on why I got into debt in the first place as I certainly don't have much to show for being £20k in debt.

    It started when I was with my first real boyfriend who I was with from being 15-20. It started peachy (as it always does) but it soon went downhill and I was driving him to work at 3.30am, going back to bed, picking him up at lunch, being stuck in his room while he napped then being locked in his room while he went out with his friends until around 11pm when he would come back, sleep for a few hours and I had to take him back to work. This meant I missed uni, I had to buy us both food every day, I had to pay the car costs and petrol. It was abuse. I wasn't allowed to go downstairs for a wee without permission and anything and everything that we had to pay for came out of my student loans and overdraft facility.

    I left him, leaving behind all the things I had bought for him/us because I wanted a quick get away.
    I fell in with a bad crowd and went drinking every night, using payday loans to get from one payday to the next.

    I met my next boyfriend. I had recently had £3k of work done on my car and my Mum had found out about my hammering of payday loans, credit cards and overdrafts. She took control of my finances (as she had lent me the £3k) until I paid her back - I was allowed £30 a week for petrol and living. My boyfriend offered to pay my debts for me but I refused. Fast forward 2 years and he was in crippling debt of his own - he lost his job and so I paid his share of the rent (he still lived with his "ex") and put down a deposit for him to buy a new car when his failed its MOT. I bought him a PS4 and an iPhone 6+. Somehow he convinced me that buying him things proved I loved him.

    I plucked up the courage and left again. Once again, leaving behind all the things I had bought for him/us. By this time I was living in a rented house on my own. Having extended two loans and maxed my credit cards and overdrafts to pay for my now ex's cigs and living expenses. I fell behind on rent and council tax so borrowed money again from my parents.

    I developed anxiety and depression (not for the first time, I've been battling since around the age of 12 - that's a whole other story - but it hit me hard at this point).

    I finally admitted to my new boyfriend (we are keeping our debts 100% to our own accounts and he knows about my history and would never treat me like that) and he has helped me to seek help from SC.

    Now I am here. Things aren't going to be easy, but neither was it easy getting myself into this mess. I don't have many material things to show for £20k debts, but I have a lot of life experience for a 24 year old and have learned a lot about myself and my ability to cope.
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • angelpye
    • By angelpye 15th Mar 17, 11:25 PM
    • 988 Posts
    • 3,658 Thanks
    angelpye
    • #9
    • 15th Mar 17, 11:25 PM
    • #9
    • 15th Mar 17, 11:25 PM
    Hi,
    Just a couple of thoughts. Have you checked out the information on here about claiming money back from payday loans? I saw a thread where someone had been quite successful. Also if you want to try out YNAB (you need a budget) it is free to students for a year and really helps to track spending and budgeting (it has an app as well for uploading spending when out and about).
    Good luck, you sound motivated
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: Sept 2022 April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6
    EF £0/£4200
    • DancingUnicorn
    • By DancingUnicorn 16th Mar 17, 7:29 AM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    Hi Angelpye, thanks for stopping by.
    I saw the info about reclaiming from payday loans after posting this and headed straight to the website someone recommended (was it something about a camel?) to find out how I go about it.
    I finally worked out how to access my wonga but there is no past information on there (there is some on noddle but it's not 100% clear how much I borrowed vs repaid). I've sent wonga and email asking for my statement thing so fingers cross this will be a possibility!

    I've heard of YNAB and I will definitely try it out if I get the opportunity to do so for free! I am pretty good at budgeting now (well, not perfect!). I use a bullet journal system and have all my bills laid out so I can check them off as they get paid. I write down every single thing I spend and mark next to it whether it was good (groceries, presents for family, etc), OK (nights out I've planned for or little treats), or bad (things I didn't need and shouldn't have spent money on).

    I'm still not that good at stopping myself, but totting up the totals of how much I spend each month really helps the message hit home.
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • DancingUnicorn
    • By DancingUnicorn 18th Mar 17, 11:48 AM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    So, not much has been happening these last few days, I foolishly spent £7 on a KFC, but got a chest infection so I was too poorly to go for the meal I had planned so I guess it balanced out.

    I'm one of those idiots who signed up to the free trial of Amazon Prime then forgot to cancel. I remembered today and cancelled and am due a £7.99 refund so I haven't really missed out on cash.

    My niece and nephew are coming to stay this weekend and planning to take them to the local kids cinema thing (think it's about £1.50 each for them and we have unlimited cineworld cards) then possibly a local kids free fun day in the town centre so hopefully shouldn't be too expensive having them!

    I've been looking into the pre-pay certificate for prescriptions and it might be worth me getting the 3 month one because, come September, I should get free prescriptions anyway (the perks of being poor!?).

    The meat delivery arrived this week and the boyfriend has just been out and done the weekly shop so no spending for me there as long as I stick to my meal plan, the only expenses I should have next week is a meal out on Thursday (but we go to a 2 for £10 so not too bad) and something for Mother's day.

    Sunday I'll be at bingo again, but using a free ticket as we made a complaint after last time. If I can resist putting the pounds in and playing the in-between games it'll be a nice free night out.

    My main job for this weekend is to look into student cards and figure out the best time to get one.
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • DancingUnicorn
    • By DancingUnicorn 20th Mar 17, 11:22 PM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    So things haven't been particularly exciting:
    - I paid nothing for the niece and nephew this weekend as my brother and boyfriend sorted the money out between them
    - the boyfriend did all the food shopping
    - £4.99 on a Mother's Day card which has a flying butterfly in it
    - £30something on an NUS card which will last 3 years (need to make the most of that!)
    - boyfriend paid our travel insurance ready for holiday in June
    - £50 petrol (I remembered to go to Tesco so at least I get the points!)

    It's pay day (monthly) from my main job this week and it's the first month of higher SC payments and back to paying council tax so I'm going to be extra careful. 3 weeks until my part-time job pay (every 4 weeks) so I've got a bit of a wait.

    The dreaded depression hit today. I don't think it's particularly money related - for once my finances are under control and I'm in the best place I've been (financially) since moving into my own place - but it's hit never the less. I can and will beat it and be positive about life.
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • DancingUnicorn
    • By DancingUnicorn 22nd Mar 17, 10:13 PM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    New spends:
    - £24 tanning (I go away in June and as I burn so easily it's recommended I get a tan started before I go so I don't burn too badly. I will get 3 free minutes when I recommend a friend tomorrow and got 20% off as a new customer so it's just over 25p a minute)
    - £5 groceries (but I forgot milk so I'll have to go again tomorrow)

    The travel insurance documents arrived today and my holiday is starting to feel real - it'll be my first time away without a parent and the first time in 8 years so I'm excited and nervous. It feels a bit naughty going away when I could have been saving for my debts but it's mine and the boyfriend's first and last time away until I'm sorted financially and have a full time teaching position. I'm going to borrow suitcases from my dad, but I need a few new clothes. I'm not going wild because there's no point buying a load of things I'll never wear again so I need to start bargain hunting for a few bits.

    It was payday today (it's supposed to be the 25th but it often comes in early) and I'm taking great pleasure in withdrawing the cash above and beyond my bills and separating it into spends for the next few weeks and savings. It sounds so sad but I love ticking off each bill as it gets paid and seeing the money in my account get gradually smaller so I cannot be tempted to spend any of it!

    Been reading some other diaries these past few days and am picking up hints all over the place. Tomorrow I'm at my Alpha course and tea with a friend, Friday I've got to catch up on my NVQ work before I fall behind again.

    My mood has been a little better but I'm really fighting the anxiety attacks.

    I also just noticed that my debt is under £20k (I know it sounds stupid not to have realised that when it's in my sig but it never really clicked). I think I'll make a plan to celebrate the day it goes under £15k
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • DancingUnicorn
    • By DancingUnicorn 25th Mar 17, 3:48 PM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    Yesterday I got a letter saying my Halifax overdraft has refused my DMP payment. I know this isn't really anything to worry about as they will make the payments regardless, it just worries me that they accepted my £1 Token Payment Plan pretty much straight away but won't accept this.

    Today I got a letter saying my Halifax loan has been passed onto a debt collection company (actually the same one as Natwest used so I know they're actually nice and easy to talk to/deal with) so my payments will be altered to go to them rather than to Halifax.

    It feels like Halifax are doing all they can to mess me around and make things difficult. Two of my accounts with them (loan and credit card) have already defaulted, and the overdraft is still classed as up-to-date and they had agreed to stop all interest. I don't understand why they're doing this now. I don't know whether to try calling them or just leave it a while and see what happens.

    In better news, I got a letter from Capital One (the card I paid off fully with savings during my TPP) saying my account was now £1 in credit and they would be sending me a cheque for the amount and marking the account as settled in my credit report. Woo!

    Today has so far consisted of an hour and a half Zumba-thon for Red Nose Day and giving the front and back garden their first cut of the year. I've done 7 hours extra with my part time job this past 4 weeks so I'm hoping to have a bit extra to put into savings when that payday comes around (about 2 weeks I think).

    I've been trying to set up a savings account linked to my basic Yorkshire Bank account but can't remember my online log in details and haven't had much success with the "forgotten details" feature. I'll keep trying, though, as it will be much easier having the money sat in an account than in my kitchen drawer!
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • DancingUnicorn
    • By DancingUnicorn 29th Mar 17, 12:05 AM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    Well, I managed to get myself locked out of my online bank and have to ring them, but right now I haven't had the time. I've still got 17 questions to write up for my NVQ, 3 observations to write up, a reference to complete and an appraisal form to fill in for Thursday and absolutely zero free time in which to do these things! I'll keep trying next week.

    All of my accounts have now defaulted, other than one overdraft which has gone to late payment. I think it will go back to up to date once they credit my refunded charges, but I think that's better anyway.

    Minimal spends other than £40 (budgeted so not too bad) for a bow and travel fees for a cheerleading competition next month. Just need to pay for my spray tan for it then that's all paid for.

    Otherwise, not much to report. Just plodding on with general life.
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • DancingUnicorn
    • By DancingUnicorn 2nd Apr 17, 8:32 PM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    Well, it's been a while since I've posted - best slap my wrist!

    I got most of the work done and handed in, just a little more to do for this Thursday but I'm not so worried about this.
    I still haven't had time to ring the bank about my online banking but I'll do this after work tomorrow. I've also had my original token payment of £6 taken out of my account by SC (they said this would be cancelled once my DMP was set up but they've taken both) so I'll have to ring them too. Also need to ring Halifax after Dad put Easter money into the wrong account (again!) and I don't want them to think it was an attempt to pay and start the charges again.

    I'm spent up until payday (this weekend) but I'm expecting a little extra due to overtime this month so hopefully that can go straight into savings once I get the online banking organised.

    Started to set up YNAB on the 2 month free trial. Still getting my head around it really and haven't had a chance to look at YouTube or anything yet. It's on the to-do-list for the week so hopefully this will help me keep an eye on things (I'll keep my little book too because I like seeing it all written down).

    Working on an excel spreadsheet with a groceries inventory to help me to stay on top. Had a look at the shopping comparison sites yesterday and found that (with the introductory offer) Ocado was by far the cheapest for my completely made up monthly shop. I've done a stock take of what I have in and made an estimate of how much I think I should have of everything and how much I need to buy to make this up. I'll update it weekly and I'm sure, over time, it will really help. That way I can do a big monthly shop and stop popping to Asda a couple of times a week and spending on things I don't need.
    We used to buy meat from Musclefood but lost all trust in them after some dodgy chicken and difficulties with customer service so I'm going back to supermarkets.
    I'm going to try to do my top up shops at Aldi/Lidl. I love going to the "cheap" shops like B&M, Poundstretcher, Home Bargains, etc. so I'm going to try stock up on things like bleach, toothpaste, wash powder, etc. when they're on offer here so that once I'm a skint student in September, I might not have to buy any for as long as possible. (I feel like one of those American hoarders you see on that coupon show!)

    I think that's all that's been going on in my life for the moment. I'm sure I've missed something important, but I'll try harder to keep up with my little diary.
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • DancingUnicorn
    • By DancingUnicorn 7th Apr 17, 9:28 PM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    BIG NEWS:
    I got my quote for student finance through today. Originally quoted £5,500 (I was pretty terrified about living off this figure but knew I could do it with support). Now quoted £9,510 - I'm not going be rich any time soon living off this but it means I can actually live a realistic life. I am absolutely over the moon!

    Other news:
    So I've had a look at YNAB and trying to get to grips with it - I think it'll take a while but I'm more than happy to persevere.
    Still haven't had chance to ring SC or YB about the extra payment and my online account but I'll get round to that soon (I hope!)
    Ocado shop is happening as soon as I get paid (any time between now and Monday) and that means that proper meal planning is going ahead - yikes!
    Had an email back from Wonga saying they will respond within 5 weeks with a full reply to my complaint.

    Last month I set these targets. This is how far I am:

    Current upcoming expenses/renewals (before September):
    - Car insurance renewal Not due yet, will use Quidco/TCB when the time comes
    - Phone upgrade Still keeping an eye out but again, not due yet
    - Sky Not due yet
    - Utilities Trying to keep usage down but expecting bills to go up
    - MOT Due by 20th. Found a garage close to work for £30 or one a short taxi away for £25 - will weigh up costs and trustworthiness

    Things to look into:
    - Student card found, paid for and received. Lasts 3 years so plenty of time to make use of it
    - Quidco signed up but not really found any deals I want/need at the moment
    - HotUKDeals Love, love, love this! Bargain central - just need to make sure I'm only buying things I need rather than want
    - Credit Scores Signed up to the MSE one and Noddle. Interesting, depressing,
    but at the end of the day (other than mortgage in the future) I'm not looking at getting any more debt

    - MSE forums for more ideas Still looking, still finding useful tips
    - Meal planning Made a freezer stock check spreadsheet and trying to stick to meal plans. Will focus on this more this month
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • another casualty
    • By another casualty 8th Apr 17, 7:08 AM
    • 2,824 Posts
    • 4,431 Thanks
    another casualty
    Just reading this, and want to wish you good luck in all that you do
    • DancingUnicorn
    • By DancingUnicorn 8th Apr 17, 11:21 AM
    • 64 Posts
    • 121 Thanks
    DancingUnicorn
    Thank you another casualty!

    Today I am planning to get out in the garden and try to sort out some of the mess it has become. Hope this beautiful weather sticks around all day and I should get a fair bit done.
    LBM: October 2016: £20,130 / Current: July 2017: £18,475 8.2%
    DFD: February 2024
    SPC#577
    EF#237 9%
    • motivated
    • By motivated 8th Apr 17, 11:42 AM
    • 2,176 Posts
    • 2,981 Thanks
    motivated
    Hi Dancingunicorn

    Just popping in to say I've subscribed and will be cheering you along on your journey. It looks as though we will both be debt free around the same time if not sooner eh. (fingers crossed)

    Good luck on your journey
    M
    Emptying my lake with a teaspoon
    Short term goal £410/£1796

    Weight loss 5/24lb

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