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The ultimate incentive to get debt free, can I do it by New Years?
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Well done to your OH for listing all the comics. What a star! Your debt is coming down nicely.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Hehe, he is a bit of a star really, but I make sure he's well rewarded for his help
Have finally, after over a year, gotten around to writing the first letter in the process of credit card charge reclaiming. The two letters for my 2 cards are sat under my desk and I will send them off when I go to Tesco on the way home to get OH mobile. These are cards I took out as a student, not my new CC2 as I have never had a charge on that. Don't think the charges come to more than about £100 a pieceif that, but £200 is £200 and not to be sniffed at considering the fuss I go to for 50p!
Need to work extra hard at moneymaking this month, as I used to lift share with my dad but he's working from home for the next couple of months so I'll have to drive every day rather than 2 or 3 days a week. My petrol bill is now up to £65 a week :eek: (unfortunately there was no little face in floods of tears cursing the government's tax rates!)Debt January 1st 2018 £96,999.81Met NIM 23/06/2008
Debt September 20th 2022 £2991.68- 96.92% paid off0 -
Morning all.
£44 into my account last night from amazon, so I added that to the £1 I found in the car park and put it in the ISA. Also sold 2 more games for 50p profit and £5 profit. Feeling really down on the moneymaking today. Mum has now decided the house may be too cramped for OH to move in, but he can't afford to live somewhere on his own and I can't afford to move out, which means he might not be able to come until next June. We didn't apply for all the jobs last night, although he is going to apply today. If it comes to it I will have to move out so he can live over here, and worry about the debt in a few years when he's earning more. So it feels a bit like it doesn't matter if I get debt free anymore since I may well just get straight back into it.
In addition OH goes back to Ireland tomorrow after 2 weeks. I was already crying this morning, I would do anything for him not to have to go. I'm going to fall apart tomorrow morning, which is bad as I have an incredably important meeting. Need some cheering up and some encouragement today pleaseDebt January 1st 2018 £96,999.81Met NIM 23/06/2008
Debt September 20th 2022 £2991.68- 96.92% paid off0 -
Sorry you are feeling down and upset. Is that your mums final decision? Would anything make her change her mind? You mustn't give up now, we all hit these brick walls and debt feels like Mount Everest around your neck and you think whats the point. Look back and read your first post because that's what gave you the incentive in the first place. Hope you feel better soon.:j
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Thanks Lucielle.
No, she doesn't seem certain to be honest. She just thinks it might be stressful having 6 people in a modern 4 bed house (so not huge), and with the lads doing their A-levels this year she doesn't want them to be stressed. But OH is more useful than me and the 2 lads put together! He would help around the house and I think if I could pursuade mum he'd be an asset there wouldn't be an issue. I think I might go stand and do a bundle of ironing this weekend (her least favourite task) to try to pull my weight a bit more, as I admit I am spoilt sometimes. I love to cook, and would happily do this most nights, except I get home about 1-2hours after everybody else, so by the time I get in dinner is on the table as they are all starving and have only been waiting for me. If I was able to do the cooking as well I bet I could save bundles of money for them, as the household food bill is currently over £800 a month!Debt January 1st 2018 £96,999.81Met NIM 23/06/2008
Debt September 20th 2022 £2991.68- 96.92% paid off0 -
aww honey, im not sure what to say. im just hoping for the best for you. im sure if you do everything you poss can to help your mum, that would help. she probably just thinks how am i going to get everything done or feed everyone so if you can do as much as you can and show her houw easy it can be, it could really help.
and yes you must keep debt busting! you may think youll go back into debt after youve cleared it, but can you imagine keeping your debt and it gets worse anyway, you could double it!! and if your finding things hard because of the debt now, imagine living somewhere with all those bills and double debt? it could cause problems between you and ur OH, you could get depressed as you cant do much.. and then if something were to happen like the boiler went down or u get a car thats got problems or something like that major, that would put you in more debt... you must nip it in the bud... wouldnt it be nice to clear the debt and save, knowing theres no debt you should be putting it towards?
hope ive helped honey.. ive just said things i know id want to hear... chin up babe
i know your sad about OH going home tomorrow and to be honest it doesnt matter what we say on here, youll still feel that pain.. but its more reason to get it all together. and at least you know youve found your soulmate... true, you wont see him for a while but you do have contact, not like in the old days when it was letters only. and im sure finding your soulmate is FAAAR better than being single and looking for someone, or being in a bad relationship or being used etc.
try and stay positive honey!!xxxxxxxx
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but its more reason to get it all together. and at least you know youve found your soulmate... true, you wont see him for a while but you do have contact, not like in the old days when it was letters only. and im sure finding your soulmate is FAAAR better than being single and looking for someone, or being in a bad relationship or being used etc.
Thanks hon, I think you've just hit the nail on the head here, and that's what I need to keep sight of. Whatever happens he will be there for me, and eventually i have to believe it can work out. When he's away we talk for about 4 hours a day on the phone (nice free meteor to meteor mobile network:p), and usually on gmail chat all day long while I'm at work too. It's just going home knowing he's there, makes everything seem worthwhile, and it doesn't matter how bed my day has been cos he's there to give me a kiss as soon as I walk in the door. Compared to when I used to stay at work as late as I could until they locked the building to avoid going home to my ex in case he was in a bad yelly and throwy mood it's just heaven.
Mum made a comment this morning, about how much we clearly loved one another. She said 'The only thing I ask is you give me at least 3 months notice to the wedding, I need to slim down for the photos'. Made me feel both nice and warm that they like him that much, and burst out crying cos he's not going to be here for a while, and I do feel like that but I have to press it down cos otherwise it hurts too much, and he is a bit younger than me so he's not gonna be ready for that kind of commitment for years, let alone 3 months.Debt January 1st 2018 £96,999.81Met NIM 23/06/2008
Debt September 20th 2022 £2991.68- 96.92% paid off0 -
Aw Dinah, it's horrible seeing you down when you're usually so positive about everything! I agree with what others have said though- OK so you may have to get into debt again in the future, but that's no reason to stop making the effort now while you're in a position to. I think you know this really and are just having an 'oh, what's the point' moment because you've lost sight of the incentive now that there's a little hiccup. But he WILL make it over here eventually and you've got to keep that in mind. Your mum may well change her mind anyway, especially if it'll only be temporary. Best wishes for tomorrow - I hate it when the weekend's over and I know I won't be seeing my boyfriend til WEDNESDAY NIGHT :eek: - so it must be horrible for you :grouphug:Weightloss: 14.5/65lb0
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"if you want the rainbow, you have to put up with the rain" david brent once said, and its true! i think everyone goes through hard and long stages they wish they werent and i think being away from other halfs is def one! whether its next wednesday or a few months! so i do feel for both of you! but how ever old you are, think how quick its gone by! i remember all those years at school , then college and now im 26!! where have the last ten years gone!?! by point being one day when you never have to leave the OH again and your under one roof, youll look back at this time and laugh about it, thinking how hard it was and how much you appriciate what you have
xxxx0 -
Haha, or wish I could go back to only seeing him 50% of the time, when he's leaving the loo seat up and farting in bed!Weightloss: 14.5/65lb0
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