FAO: ms_london

southernscouser

So come on, how does it feel to wake up knowing you don't owe anybody a single penny?

ms_london

To be honest, im in a really grumpy mood today!!

On the being debt free side of things is fab though, it means im no longer tied down & pretty much can do what I want with my life now.

It definately feels good, but I dont think it has truly sunk in.

Its been worth waiting for though, thats for sure :0)

GIRLPOWER_2

Congrats, really good news, your an MSE success story!!!! you have worked hard, paid it off.... now time to enjoy... so cheer up!!!!!!!

x x x x

Shadowplay_2

Come on grumpy bum your in the position that everyone is aiming for...

DEBT FREE!!

Time to bask in the glory :beer:

ms_london

Shadowplay wrote:

Come on grumpy bum your in the position that everyone is aiming for...

DEBT FREE!!

Time to bask in the glory :beer:

You know when you're having one of those days though. You get the person chewing gum sitting next to you on the tube, or there's no milk left at home so you have to have weetabix with water - that kind of stuff :0)

Its silly, but I cant help being grumpy today :0) I dont even feel like spending any money on myself to cheer myself up!!

Boo hoo!! xx

Mango

ms_london wrote:

You know when you're having one of those days though. You get the person chewing gum sitting next to you on the tube, or there's no milk left at home so you have to have weetabix with water - that kind of stuff :0)

Its silly, but I cant help being grumpy today :0) I dont even feel like spending any money on myself to cheer myself up!!

Boo hoo!! xx

Or you have to sit between two blokes who have their legs spread as wide as possible, both reading papers right in your face...

At least it's friday (and its payday for me!)!!

se999

It's one of those anti-climax things isn't it, the debts gone, but it's a 0 on a piece of paper. So although you know it's good, it's not exactly fun, or that's the way my brain works.

Why not start working out your travel plans? The more time you spend looking into it the more you'll be able to save and the sooner you can go. That will feel like a real benefit of the moneysaving.

Where do you want to go to anyway?

ms_london

se999 wrote:

It's one of those anti-climax things isn't it, the debts gone, but it's a 0 on a piece of paper. So although you know it's good, it's not exactly fun, or that's the way my brain works.

Why not start working out your travel plans? The more time you spend looking into it the more you'll be able to save and the sooner you can go. That will feel like a real benefit of the moneysaving.

Where do you want to go to anyway?

Not really (although I understand what you mean..). To be honest, its the "ive got to save for travelling" that's making me stressed, its my own fault, nobody elses, I just want to save as much as I can, as quick as I can - saving at the same rate I have been paying off my debt, but part of me feels I should enjoy some of the money before I save, save, save again.

What do you think??

Also, I am stressed that ive been working my bum off at the gym but still look like a heiffer, but thats another story.

So sorry to moan, im just grumpy!! (plus my housemates have left SOOOOO much washing up to be done, and wont be home tonight, and im not doing it like I usually do, thats annoyed me too!!).

Haha!! I feel better now, ive got that off my chest :0)

Tondella

You'll enjoy having saved all that money when you don't have to take the flea-ridden pit accommodation option on your travels! Maybe you're having a bad day but i think in a couple of days you'll be feeling more positive. Remember are now in a position to choose to direct that money to a savings account, rather than have it spirited away to meet debts.

Take a savings break if you want to, it might make Christmas easier, but it will delay your travelling and you'll be more likely to miss the money going out if you had it for a couple of months. At the end of the day you are now totally in control: of how much to save, of when to travel etc etc.

Mr_Skint_2

Im in loads of debt but I just dont worry about it anyway as money isnt the be all
and end all of my existence, I mean whats the worst that could happen, Oooh
a CCJ or court Summons, Im quaking in my boots now...... :rotfl:

ms_london

Tondella wrote:

You'll enjoy having saved all that money when you don't have to take the flea-ridden pit accommodation option on your travels! Maybe you're having a bad day but i think in a couple of days you'll be feeling more positive. Remember are now in a position to choose to direct that money to a savings account, rather than have it spirited away to meet debts.

Take a savings break if you want to, it might make Christmas easier, but it will delay your travelling and you'll be more likely to miss the money going out if you had it for a couple of months. At the end of the day you are now totally in control: of how much to save, of when to travel etc etc.

I just dont know a) how much to take to go travelling. I know its the how-long-is-a-piece-of-string type question. I would feel happier taking £10,000, despite knowing I'll be working in NZ/OZ (although perhaps not for the whole time), but recently Ive started thinking of going in July, but by then I'll only be able to save £6300 and thats before flights, backpack, visa's etc etc etc.... I know its still a lot of money but I think its because ive had the £10,000 figure in my head. Although I could cope with saving hard until July rather than say in a years time....

Any advice?? xx