📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

16869717374526

Comments

  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hi Dinah,

    I think just remind your Mum about why you are selling the books and that you are nearly there. I'm sure she is very proud of you so far and it won't be much longer until you are debt-free!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Oh I know I'll get by, it's just tighter than I like it to be. I have 3k ish spread through the savings accounts ready to pay various things off, so if I have an emergency it's okay.

    Getting fixated on needing more books to flog!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    She is proud of me, but at the moment my room is a double bed surrounded by boxes of ebay stuff, doesn't matter that its my room the mess bothers her! Still, gonna do my best to show her how much I have made so far just off the books, and that this could pay for the new car since mine is on its way out. 5 years old and already the engine is dying, not a good sign!

    I figure between the debt still outstanding and the car upgrade I could use about 10k in the next few months, so really need books to up the anti, don't think STP or dooyoo would make that kind of pennies even if I was doing it all day every day!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • poddle911
    poddle911 Posts: 1,406 Forumite
    Part of the Furniture
    Sounds like your mum has a bit of a houseful – if she's keen for you to get your own house, you could try to convince her that short term storage (mess) means that she'll have a whole room free quicker... when you move in with OH.

    I love my mum to bits, but I'm pretty sure that she couldn't wait for me to move out so she could turn my bedroom into a guest room, lol.:rotfl:

    p.s I'm so pleased for you that you've ditched another year apart – I bet you're chuffed to bits!
    LBM Sep 2008 debt: £27,927.04
    start weight: 140.2, week 2: 138
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Well mum has agreed I can sell some more books, now to find some! Oh she really doesn't want me to leave - we get on really well, she'd have me living here forever if she could!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Pilchard
    Pilchard Posts: 362 Forumite
    Evening everyone

    Can I just say I've just reached my first 10000 points on dooyoo :j
    Thanks for that cos I wouldn't have known about it if it wasn't for your thread Dinah. :beer:
    Let's start again (really need a kick up the bum now) :wall:
    Virgin CC £9793.71
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Awwwww thanks you made me all snuggly inside Pilchard! And big congrats - got plans for what to spend it on?
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Dex
    Dex Posts: 596 Forumite
    Hey Dinah!

    My OH is back in 15 days!!! :) only for five days though but still am really looking forward to it! :)

    I have to look for a new car myself in the new year(though there is nothing wrong with mine!!) its company policy that I cannot use a car for business after its ten years old and sadly mine is!! could do with something more sensible to be honest as it is a little two seater sporty thing :)

    Your OH will be back in no time Dinah

    Take Care

    Dex :)
    1 debt vs 100 days part 6-11total paid £8,135.86 Final Debt [STRIKE]6,948.61[/STRIKE] £3,174.94
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Yey - OH's both back for Christmas!

    What kind of car are you looking for? I'm kinda stumped on what to get tbh, Needs to be reliable and with good visability for work, so probably 3-5 years old, and fun and comfy for me because I spend 2-3 hours a day in it! So far my short list consists of a Alfa Romeo GT (have an alfa now, love it but apparently this has visability issues), and a BMW 3-series (but seems too sensible even if nice to drive and be inside!).

    Got to another £5 payout on STP last night, thats the second in 4 days!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Dex
    Dex Posts: 596 Forumite
    Im looking at a BMW 320 about 5 years old :)

    I would say no to the alfa, I love cars and they are very pretty but everything ive ever heard and everyone Ive eve known whos owned ones says they go wrong and cost lots!! :)
    1 debt vs 100 days part 6-11total paid £8,135.86 Final Debt [STRIKE]6,948.61[/STRIKE] £3,174.94
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.