The 'I want it NOW!!' debt/savings thread

moneymabel

Right i'm off to work-speak to you all probably tomorrow :-)

jenjade

no chance of that i have a bit of cash just nothing like as much as i would like. i will be in the light with food!!
this morning i tried on loads of jeans and trousers that didn't fit to find something to wear so i may e bay loads of jeans to fund a new pair!

jenjade

ok have a good day mm

**Amy**

Morning :hello:

Firstly:

CONGRATULATIONS JEN!!!!!!!

I am so so so happy for you hun, you deserve to be debt free, you have worked so hard. Well done xxxxxxx :T

Secondly: ITS FRIDAY!! :j and that means im going to see the Dark Knight at the IMAX tonight, and having Pizza Express with the £20 voucher I have. I cant wait.

MM - awww I hope your sister's pregnancy goes well. xx

Awww Lilmiss - hope today is a better day for you. xx

Well i dyed my hair last night and its a lovely dark chocolate colour. Mmmmm. And looks very health, for once! :rotfl:

I didnt go to bed until about 1am though as i was sorting out my clothes. I need to do a purge of them this weekend as I stil have so much with tags on :rolleyes:

Anyway, hope you all have a good day.

xxxxxx

CompletelyLost

Super duper well done jenjade! :j:j:j :D:D :beer:
Onwards and upwards from here on in!

I want to dye my hair too... but it's very dark brown so the only colour that seems to work on my hair is red or purple, which I'm sick of. I got my mum to cut my hair yesterday so free haircut for me Hairdressers never do it right.

Yesterday I listed literally everything that I don't wear, as well as some of my sister's clothes. Though most of my stuff is so worn that it's not worth selling Hope I make at least £20 as I want to buy myself some new clothes (from Primark or Peacocks of course!) for college so that I don't like like a streetwalker.

jenjade

thanks everyone love the colourful congratulations mus thave took ages thanks for the effort

i am feeling good skint but good

been to tesco shopping came to £44.99!! oh dear that was scary then i took at water bottle i bought dd back because it leaked and got £4 off then used all the vouchers coupons in my wallet and the final price i payed was £31.51 witch is great as i could afford £30 and i got loads and loads and loads of shopping!!! i also took the chicken breast we cooked for tea the other day that had a huge bone in it and she exhanged it for more chicken breasts the pack she gave me was £6!! lol i think mine were stripy cheapys for a few quid in the reduced section oh well i love the taste of free food!!!

got 2 biders on the garden shed so it is on £20 now and a chap coming to look at it today! yeah bye big shed!!!

i am still on cloud nine. and keen to continue with all the money making saving so i can stay out of debt and get the things i want!!

hbl_2

Hi all, I haven't posted in ages, and I am just jumping in on the end of this thread cos I like the idea of it.

I paid off the last of my non-student-loan debt in December of last year. While I've got a small overdraft and my student loan, I consider myself to be debt free. My goal is to save as much money as I owe on student loan, (nearly £18,000), but not to pay it back any sooner than it comes out of my salary.

Short term goal is to max my ISA for this tax year. Since New Year, I have put £1,500 in last year's ISA, and £900 in this year's ISA, as well as saving £1,400 towards Xmas present and a new Macbook Pro notebook.

So the I WANT IT NOW part is the new notebook PC! However, I've been waiting since February of this year for Apple to bring out a new version of their pro laptop, the reason being is the last set were a bit faulty (which doesn't inspire awe, TBH) and the rumoured new ones will be much more of a worthy revision, with some cool new updates. If only they'd actually launch them!

The thing is, now that I've waited this long for one (essentially all year, since paying off my loan), I'm not sure I want one anymore! In the meantime I've upgraded my existing PC, so it's not that slow anymore (it's actually pretty quick now) and accordingly I've no pressing use for a laptop. It was an idea I had a year ago to reward myself for paying back my loan!

I've half a mind to put the £1300 or so earmarked for it into my ISA!

Perhaps I will feel different when they actually come out? I hoped that they'd be released next tuesday, but that looks to just be new iPods, so bit disappointing.

The other thing is that I'd quite like to (in true Men's Health fashion) "lose the gut" and get my abs back, so buying a laptop that will encourage to spend more of my evenings sitting down might not be such a great idea. I was thinking of tethering getting in shape to getting the laptop. I've saved the money, so there's no issue there, but it might motivate me if I set the goal of "you can buy the laptop only when you've shed 10kilos" which I think it a pretty good idea, but will need to pipe it in neon outside my house or something, so I don't just buy one when they come out and ignore my best intentions!

Congrats to everyone btw, esp Jenjade who is debt free today. Woot!

jenjade

oh thank you i am feeling so good today!!

good luck with the laptop and shaping up!!

that is my next aim to get slimmer and in shape

symesd

Hi everyone,
We have just got planning permission to extend our house and get it fully refurbished, just a small problem, the planning consent last for 3 years, and we have huge debts which we are now starting DMP with CCCS, which has been estimated to take 6 yrs 9 mths to clear with the current payments we can afford, so what will happen with the planning permission.

Will we need to re-apply and pay all the costs again or just get them re-approved.

We live in a semi-detatched dorma bungalow which has 2 bedrooms at the moment, but with the extension it would become a huge 4/5 bed house with lovely large kitchen, large dining room, master with en-suite. This will all cost about £45,000.

If we did not have the debts we would probably be able to afford to get it all done. We have tried to get a remortgage but have been turned down by 3 Lenders - I have now given up and will have to live with the knowldege that it is all my fault I cannot give my children the home they deserve. Instead we live in a home without double glazing, kitchen which I cannot keep clean or "swing a cat in", and a bathroom that is half finished, old wallpaper from previos owners - won't go on, to put it in a nutshell - I am embarressedabout my home and never invite people round as I cannot face the embarrassement. I would just love to have a nice home.

Anyhow

My Want is a nice home for my 3 beatiful girls and my long suffering Husband. And to be able to be a happy person who is not depressed all the time because of the debts.

I would also like to have another baby before I am 40, but we can't even think about that now.

Thanks for listening

jenjade

oh that is tought hun try to stay possitive and good luck with your wants!