The ultimate incentive to get debt free, can I do it by New Years?

halight

Hi

You have done great uptill now......Dont let it all slip just keep think about were you wont to be in 12 months time.....Whats your life goining to be like next year?.....Just keep thinking about this to keep you on the right path,,

All the best and good luck..

I hope that you and your BF spend a great and happy life with each other

Dinah93

Good morning all.

Feeling a bit more upbeat today, OH will be back in 9 days, getting closer! Got a £23.?? payment from quidco into my bank today, rounded it up to the nearest £1 as usual, and it's gone into the ISA, so will take that off the sig now.

Had awful nightmares again last night, so when I woke up at about 5am I spent nearly an hour listing things on ebay before I was calm enough and bored enough to go back to sleep - now that's dedication to the cause

Had lots of people pm me asking for the quidco freebie links that I had found, and for the survey sites that I use. Going to draw up a nice neat word document with it all in this afternoon I hope, ooooh, or a spreadsheet. Then I can track the surveys I do, the date, the ammount paid etc. I think my mom is getting a little worried about my newfound spreedsheet addiction!

I was suprised to be honest how many people seem to be reading the thread, it's nice to have gotten so many supportive pm's saying I've been an encouragement. Hopefully the one thing that does come across is that I don't think it is easy for most people to get debt free, it does require a concious lifestyle change. Yes, I can not wait for a time when I can go home after work and be able to read my book on an evening instead of thinking 'nope, have only 5 days left of 5p listing on ebay, and about 600 items to sell!' and doing that instead, but for now I am prepared to give myself 100% to debt busting so I can have the future that I want, as in the long run if I can crack this now I will have a lifetime of having the freedom of reading my book on an evening or going out for dinner and a movie with OH on a weekend, and this lesson will be one that will always stay with me.

D x

Happytogetdebtfree

Morning Dinah, wow listing things on ebay at 5am lol that is dedication what a wonderful incentive to get debt free i hope it comes soon enough for you ive a hell of a long way to go with debt and struggle because i am trying to save for my wedding but alas someone from above has given us our share of good luck oh got a new job with a 8k payrise yipeee.... and we are selling something on ebay that oh was given its at 1700 so im pretty sure our good deeds are been rewarded..... so when times are tough i just keep slogging away and it does pay off even when it gets you down and you want to give up and spend spend spend hehe xx

Dinah93

Hi happytogetdebtfree,

your diary is actually on my subscriptions list! Just had a bit of a catch up now. Grats on the new job, and that's a big ebay sale! I currently have 105 items on there, of which 6 have bids, and about 35% have watchers, which with 8 days to go till the next auction ends I have a total of £6.95 that will sell! Congrats on the immenant wedding - have you set a date?! I wish my money was going to a happy savings for wedding place rather than on debts, but give it time i'm sure I'll be in a brighter place.

I think I'm getting low on 'big' lump sums to come in, all I can think of is I am trying to reclaim cc charges (waiting for the letter telling me what charges I have incurred) but I don't expect that to be much if I get it. I'm dreading an ombudsman hold being put on that too, and I am expecting it to be honest, especially if the court case retrial thingy on bank charges goes the banks way this time.

Damita

Well done so far, you have made amazing progress!!!

Happytogetdebtfree

Im waiting for bank charges back also its a grudging game.... i have 74 k worth of debt we are paying it off slowly but im getting married 15th aug 09 i cancelled this years because of debt and because we were un realistic with the prices now we have budget 5.5 k only 6k max !! itshard battling debt all the time it pulls you down and makes you feel the lowest of the low when its that time ! thats why its nice to come on here and read just wish my journey was coming to an end but whats another 2 years between us lol ! whens your dfd ?? xx

Dinah93

Just think, it's less than a year till you're married to your perfect guy, without coming over too hallmark and having little flowers sprout up as i walk and birds twitter around my head, that's a once in a lifetime event that kinda eclipses the debt. When you're on your death bed you'll think of the wedding and your marriage, but I doubt you'll remember the debt. Ofc paying it off is vital to that! Grief, I really could kill OH for turning me into this simpering romantic idiot, although he still jokes I'm hard as nails and he's the romantic one.

I don't actually have a DFD as it entirely depends on how much I make per month from my additional earnings and dealings. Technically I'm sure it would be around a year away still, but personally I will be gutted if it isn't done by 31st March, and my latest target is valentines day as a wish list target.

Happytogetdebtfree

how much have you left to clear ?? im sure some hard graft and a little luck will have you on your way hehe xx

Dinah93

Total left to clear is £8338 out of the original £15855 as it stood in August. So clearing at a fair pace but sooner or later I'm going to run out of things to sell! Keep getting more and more inventive with ways to clear it. Although £1600 of this debt isnt actually mine, and I am considering removing it from my total. Told myself if I got 50% of the way to being debt free by 25th Nov I would remove it, which means another £410 to clear in exactly 3 weeks.

Happytogetdebtfree

that is possible it can be done keep plugging away i am doing unsocial hours to try make extra although it doesnt always payoff for the amount of hours you puit in lol ! x