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Can I clear a debt a month??

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  • MCBIRNIE25
    MCBIRNIE25 Posts: 555 Forumite
    Emily,
    well done chick. you really are a top debt buster.
    A great inspiration to all who read the thread, you can't fail to be impressed by your refusal to let yourself be beaten.
    Hoping to get in to the comps and mystery shopping stuf myself, so any advice welcome.
    I really hope your sister is preggers, that would be fantastic news. You all deserve it.
    have a good one,
    MCBIRNIE25
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    oooh Emily,

    I've got everything crossed for your sister - I hope that she feels brave enough to do the test soon, that it's positive and that she has a happy and healthy pregnancy to full term and a lovely bouncing baby brother or sister for Joshua.

    ou soon like you are really on top of it all this month - sorry about you mum's auntie, I do hope that is it. Big hugs.

    I have complete chaos at the moment so can't advise on organisation! I seem to go through phases - really organised and then hopeless!

    Sea xx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • Mirtos
    Mirtos Posts: 728 Forumite
    Hi Emily.
    Any news from your sister? I hope so so much it's good news for you all.
    It sounds like a strange thing to say seeing as I've never actually met you, but I am hugely proud of you and how hard you are working. You are amazing!
    Fingers crossed for your sister and the debt!
    xxx
    Official Debt Free Wannabe Nerd Club member 095! Debt Now:
    M&S £5000 £2071.49 - 3.9% |Cahoot Loan £8646.96 £7453.24 - 5.8%| Barclays OD £2250.00 £991.99 - 0% Halifax Card £1620.60 - 0% Savings: £927.59
    Grand Total = £22,540 £11,209.73 :eek:Total paid off since 31st May '06 = £11,330.27 :T Semi-DFD Dec'07?
    Savings for temporary unemployment fund: £763.05 @ 8%, £164.54@ 4% Total savings: £927.59

    £18k Challenge £18,934.21 £11,209.73 to go!
    Proud to be dealing with my debt.
  • ehallett
    ehallett Posts: 1,960 Forumite
    Hi Emily.
    Any news from your sister? I hope so so much it's good news for you all.
    It sounds like a strange thing to say seeing as I've never actually met you, but I am hugely proud of you and how hard you are working. You are amazing!
    Fingers crossed for your sister and the debt!
    xxx

    She still hasn't done a test yet. She is now 2 weeks late though. She has promised that she will do a test next week if nothing has happened so I will keep you all posted.

    Emily x
  • ehallett
    ehallett Posts: 1,960 Forumite
    Hello everyone

    Feeling a bit sad today as it is Father's day. I went and put some nice flowers on my dad's grave though and I'm sure Joshua will appreciate them too.

    There's still no news on my sister, she is in Doncaster at the moment with her husband's family. She's back tomorrow and has promised that she will do a test at some point next week. Keep your fingers crossed for me everyone, I really want to be an Auntie again.

    I did a mystery shop in Winchester on Friday and if anyone has ever been to Winchester, then you know it is all uphill. I had to walk up a hill back to the car and had to keep resting along the way. When I get back to my boyfriend's I had a really sharp pain shooting though my chest which was unbearable. It was really hard to breathe as it hurt so much. I had to take pain killers to get rid of the pain so I could go to sleep.

    I don't think it helped matters that I was crying uncontrollably as well. It just dawned on me that I was 25 years old and I felt like an 80 year old woman. All I did was walk up a hill!! It just upset me a bit, I don't often let things get to me but on Friday night it did.

    On the debt side of things, I am definitely going to clear the Alliance and Leicester loan this week. I'm going to go into the branch and do it so I know it is done. I will then post details of my next target debt.

    I'm going to try to get some sleep now, had a really bad weekend and not looking forward to getting up for work in the morning but needs must.

    Take care everyone, sorry I am on a bit of a downer.

    Emily xx
  • Dumyat
    Dumyat Posts: 2,143 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    this is the first time I have read your thread...and I am truly humbled by your story.
    what an inspiration to us all. Hope you get some good news from your sister soon..
    x x x
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Oh Emily,

    What a day - sorry to hear about you feeling down and in pain. Big hugs to you. I hoep that your sis has some good news to tell you this week :)

    Sea xx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • bella20_2
    bella20_2 Posts: 53 Forumite
    hi emily i'm quite new to mse and this is the first time have read this thread, you are truly and inspiration to us all keep your chin up hun you are doing fantastic!!!

    Becky x
    £2 coin saver club -£22 started 19/06/06 :j

    saving for a rainy day
  • ehallett
    ehallett Posts: 1,960 Forumite
    Hi everyone

    I feel a little bit better today, the main reason being that I have now cleared my Alliance & Leicester loan!!!! I couldn't wait any longer so I took some money from my current account to pay this off. It means that I will be on a very tight budget until payday but all of my bills are paid for this month so I should be ok. I have revamped my signature too. :o

    My next target debt is my Barclaycard that has got £376.67 on it. I'm going to just keep throwing everything I can at it and keep you all updated in my signature.

    My sister has come back but she still won't do a test. Nothing has happened and she is now 17 days late. She has promised me faithfully that she will do a test on Friday as that will be 3 weeks late exactly.

    Thanks for all of the encouragement :T :T :T

    Emily xx
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hi Emily
    you are doing so well, Im so proud of you too.
    sorry that you had a bad day the other day, hope this week will be better
    dont mean to be too boring but remember to pace yourself
    hugs
    Lou
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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