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

Dinah93

Lol yep I wouldn't mention it to him, men can be triggered into some sort of 'oh my God i won't live forever' crisis by the teeniest things!

No none of them are done, intentionally made a list that nothing was done on, although some are partially done ie I have read 1 Jane Austen book, I can swim without drowning, probably about 100m at this point since I am so unfit, and obviously have been to Europe so that's one continent down!

youareallhelpingme

Afternoon Dinah and all.

I am another lurker, I've dropped in from Hypno's world to say keep up the good work. You have found the love of your life and are well on your way to being debt free - you Tete and Cinny are so very different from the people I know of your ages who say they will spend until then can spend no more then go BR with no care's in the world.

I hope you don't mind me popping in occasionally. I really will have to think about a 40 things to do before I'm 40 (35 in jan :eek: ).

Have a good Christmas and New Year.

:xmastree: Me x

Dinah93

Thanks youareallhelpingme, lovely of you to drop in, do so anytime, Cinny bakes us cakes so good I swear I can smell them!

I used to be a lot more 'live for today', but I decided what I wanted at a young age, and I don't see any point in pratting about when I could just knuckle down and get there! A lot of my friends and cousins still do the whole bar and club hoping every weekend, and call me boring for wanting to stay in with OH or we'll go on a date night for a meal and movie, but that life seems to empty to me. £50 spent on a night where I vomit all my money back up at the end of it and probably get a raging STD from the slimy barman? No thanks, done with all of that, couldn't imagine being happier than I am with OH right now.

ElizabethJH

Hey Dinah,

Just had a quick look through your thread! Seems you're doing so well to get to your target and there's a great reason for it all!!

I had my LBM earlier in November when I realised that if I wanted a future with my OH then I would need to get rid of the debt.. I'm aiming for May 08 but hoping that with some motivation and hard work I'll get there quicker!!

You're signature looks like you've worked very hard so I'm going to have a good read to find out how you've got it down so quick!!!

blondie27_2

Hi Dinah, can i ask which pub this was in Darlington?

Dinah93 wrote: »

I promise I will tell about the pressie after Christmas!

Chain pub in Darlington town centre, all I will say unless you regularly eat in Darlington town centre in which case PM me!

Other customers were generally yobs, yelling at one another across the pub, generally just a rubbish atmosphere.

I'm going to try to do another 5 dooyoos today, want a bit of a boost behind me before I enter the new year for the £20k in 2009 challenge. Considering joining the live on £4000 in 2009 too, as this would obviously help me hit my target, but I spend about £180 a month on petrol alone so tbh this challenge does seem very scary! £40 car insurance a month, £11 prescription, £22 contacts, £35 mobile bill, and then about £60 a month on flights and I've already failed - how do people do it?!

Did you finish your 30 before you're 30 list Tete and Cinny? Anyone want to compare potential achievements and probable failures?!

Dinah93

Hiya Elizabeth thanks for stopping by. Yup there is a lot of love and general mushyness on this thread. I have worked really hard to get the debt down, even I can't believe how much has come off the total through the 'little and often approach'.

Awwww OH just text me to say he's sick. Hope he won't be poorly for Christmas

Dinah93

:xmastree: It's Christmas! :xmastree:
:xmassmileWork is over for the year - going home to my fantastic family and my amazing OH is on the way to pick me up and I couldn't be happier. :rudolf:
:xmassign:

Buffythedebtslayer

I don't post often but I do read alot:o think you are Brilliant Dinah and all your friends too

Happy Christmas:xmastree: xxxxx

Cinny91

Your 30 list is amazing, Dinah! I haven't even started mine. I think I'm going to do a 20 before I'm 20 first, and a lifetime list. Like naming my first son, Ralph or Singing at my wedding, bits like that! I can't really put them in my before i'm 30 list because who knows when there'll be mini Kates running about or when i'll get married.

This is my 2009 list so far, I'm getting there!:

1. Save into thousands, not hundreds.
2. Get all presents money neutral.
3. Become a mini domestic goddess.
4. Go to bingo, and win (aim high!)
5. Have a holiday in Kent in my dream house.
6. Say yes more and learn how to say no when I mean no.
7. Go on a hike every Sunday.

3 more to go. Want it finished before New years.

I can't wait to hear what you got your OH either. I most likely wont be on again for afew days so I'll wish you all a merry christmas now! :snow_grin Hope you all have a great, relaxing day and that you get the best chocs from the quality street tins before they all go.

Tete_en_l'Air

youareallhelpingme wrote: »

you Tete and Cinny are so very different from the people I know of your ages who say they will spend until then can spend no more then go BR with no care's in the world

Pleased that I can stilll be considered in the same age group as the youthful Cinny! And when you start saying things like that and not minding getting ID-ed, that's when you KNOW you're getting old!

Can't speak for Cinny, but Dinah and I have both had pretty spend-thrifty pasts and in some ways I think it's good to get into some debt at a young age because you know how awful it is and work to change your spending habits before it's too late.