Slaying my debts, the second year

urg123

Buffythedebtslayer wrote: »

Thanks guys xxxx it is lovely to have people post here!

Yep it does seem slightly mad, but I have realised over the last year of my being here, that my debt really does stop me living, even tho I can "afford" to pay it off monthly and take four/five years to do it, it means I can't do anything in the mean time, no holidays, not much visiting of friends and the worry, the pressure on myself (that I wasn't really aware of till other people wrote about it) when ever I want/need to buy things and feeling of never getting anywhere, that all must stop. I am sick of it.

If I paid off my debt I would have around a 1000 pounds to spend each month on nothing (well it would end up being a house first) but I really had NO idea how well paid I was untill I looked at it like that. i know that seems stupid to some people but I looked at what I had after everything had gone - well duh, kinda been spending my good wages for some years in advance now!!

I had said ever since I started here, the very first budget/paying off plan that I would be debt free by dec 09. And I will be. every spare penny will go on the debt. it will go.

Buffy
xxxxx

That's what I like to see! A determined sole. I know what you mean about being well paid. I too would have loads of cash free if I hadn't been so frivolous. I hope to be debt free by dec 09 too.

Keep plodding - You'll get there.

URG x x

Buffythedebtslayer

urg123 wrote: »

That's what I like to see! A determined sole. I know what you mean about being well paid. I too would have loads of cash free if I hadn't been so frivolous. I hope to be debt free by dec 09 too.

Keep plodding - You'll get there.

URG x x

no, WE WILL get there xxxx


I was feeling quite unmotivated this morning, went to the vets, discovered that I hadn't paid my bill, although I always do pay immediately I think since my last pet rat to be put to sleep (three in two weeks not nice at all) I may have been too upset.

and on top of that the hamsters (x2) cost me 38 quid. for a check up. and she didn't even look at her teeth!! - long story. and i should nt complain they are lovely vets just !!!! expensive!

but I came back here to read what I wrote yesterday to remind myself what I am doing here. thank you Urg123 for your words of support they have made a lot of difference!

Love Buffyx

xxx

urg123

Just typed a whole response and it disappeared!!!!

I just wanted to say - You're on - we will get to be debt free by December 2009. I love how you work so hard at making extra cash. That's what I'm going to do in 2009 - make money and get my life in order (in so many ways). I think a diary might even be in order! I;ll still pop in on yours regularly!

See you soon

urg x x

pepe2008

Hi buffy,

i know you've been having a rough day today so I thought I'd just drop in and say hello:D

Buffythedebtslayer

thnak you Pepe I came back after some tidying.

Day is getting worse, but it is just me being ridiculous. feeling old and stupid.

I have to fight my way out!

mum2one

Buffy, you will fight your way out, in the nicest of ways u know I've been following ur thread AND ur doing a really good job, I even started my own thread and am aiming to keep it going and get debt free.

Your not old and stupid, my pie in the sky idea was to be debt free by Mar 2011, (my 40th bday), if I had of got my bum into gear the 1st time around, Iwould of got there, but it took me nearly 12 months (but in my defence had a very crap yr), and its great to see people like you get there, start achieving the debt free life, and even with up, downs and side way shoves, you keep bouncing back, YOU WILL GET THERE XX

Buffythedebtslayer

Mumto one its not pie in the sky, it will happen. do you hear me! and thank you for being herexxx

I feel better now, the problems I had today are down to two things, one no money and two not driving.

the only way round these is to get out of debt!!

I have a plan of getting lots of Amazon vouchers, via surveys and review sites. they should help with the purchase of .......wait for it! a wheel barrow and incinanarator (sp) from Amazon (they do sell everything you know!). My life is so exciting, you see the garden needs sorting and i want to grow my own vegetables...........! yes I know that is crazy but hey i'll try anything once!

New years eve will be fine, just like any other normal night actually which won't be so bad.

and then it will be on to 2009, a brand new exciting year!!!

Love you all lots

xxxxx

Buffythedebtslayer

Did lots of Short Toluna polls today and got my balance up, a little closer to the voucher!

Next year I am planning to go to my best friend's for Boxing day, just wanted to put that there to remind me.

I am now printing off Goal sheets from here (I love this website:o)

http://www.chartjungle.com/home.html

and going to spend this evenign working out my whole Weight watchers thing!

xxx

Buffythedebtslayer

My last post before 2009.

I think for the last couple of years I kinda of opted out of my life, just let things happen and didn't really take control of anything.

Recently I have begun to come out of it a bit, slowly slowly I feel capable of getting a handle on things. the new job has helped massively with my confidence and better conditions at my main job too.

Money has been better managed and I haven't wasted nearly as much as I used to. Romance has been dead aside from my not boyfriend, a guy I love very much but who thinks anything more then occasional dating is too much! I should kick him to the kerb but I have a weird belief that some how it will work out in the end.

I want this new found "awakeness" to carry on in to this new year, I need to be out of debt and learn to drive. These two things will give me massive opportunies. I can change my job and just get out more basically!

I think with the help of this website and all the lovely people I "talk" to everyday I will do this.

I need to get up every day thinking I can do this.

keep me to my promises!!

Happy New Year Everyone

Love Buffy
xxxx

mum2one

Happy new year buffy, that last post, u really put heart and soul into it, and although it was from the heart, its very positive, calm and accepting, sorry if that sounds daft.
Its like despite the trying you have done before although you did achieve baby steps, your now on marathon steps, and u will get there, and excuse the expression anyone who gets in ur way, they better move sideways quick.

Its nearly new yr, so will raise a glass to you and wish you all the best. xx