Too scared to work out what I owe

moozie_2

malvena wrote:

Moozie:A

Just read all 23 pages of your thread and definately got a kick up the a"?e.

Thank you so much. You are an inspiration.

Malvena x

:beer: :beer: :beer: :beer: :beer:

Thank you Malvena

Make sure you post an SOA and we'll try to help, if possible.

Take care :beer:

moozie_2

Well lovely DFWs , I thought I'd update my thread for the last time in 2006. It has been quite a year between you and I! Financially of course but also in many other ways that I don't think is appropriate to mention here.

It started off with me being in a serious financial pickle and vast misery about it all. Then found you lot and I was ready for a change! 10 months later lots of things are different and I am just soooooooo proud to have turned things around before things got really sticky :rolleyes:

So, let me see, in no particular order and I am sure I've missed lots too...

• I now open and read all my post and then file it meticulously
• I am religious about keeping a spending diary each and every day and I know exactly where every penny has gone
• I have created a good budget for myself and although I've tweaked it a few times, I think I am on the right track for it
• As a result of feeling more confident and happy, I managed to get a temp promotion at work and £4,000 payrise a year
• I overpay on my min payments by £300 on average each month!
• I have made over £1,200 from mystery shopping/Quidco/Ebay/Amazon and it has all gone into debt overpayment
• I now have a cashback credit card that I pay off in full every month and have £60 in cashback which will be used for me and not debt
• I have a very open and honest relationship with the OH about money. We talk about it sensibly and we have not argued about money since March!
• We have just bought our first house together and moved from a tiny one bedroom flat to a lovely 3 bedroom house
• We have changed the way we food shop and eat. We now plan and buy sensibly, waste little if any at all and our food bill has dropped significantly
• We have realised the magic powers of vinegar ans although not full old stylers - we are breadmaker and slow cooker converts!
• I have a clear plan about 2007 and I am not scared/worried/panicked when it comes to my/our financial future!
• I read/research MSE articles and forum before anything important is decided - it's the most useful resource! :T

When I found you, I was in tears, so upset I couldn't sleep and so worried I thought things would never improve. Now I am sitting here smilling and feeling positive and upbeat. It's quite unbelievable really!

March 06

1. Barclaycard 51.56
2. Barclays OD 413.02
3. Freeman 65
4. Halifax CC 2415.08
5. Tesco loan 6,601.57 Last payment due Feb 09
6. Sainsburys loan 7,178.23 Last pmt due Oct 07
7. Barclays OD2 1,308.14 @ 15.4%
   Total 18,032.60

December 2006

1. Barclaycard 0
2. Barclays OD 0
3. Freeman 0
4. Halifax CC 0
5. Tesco loan 4,750.90 Last pmt will be Oct 07
6. Sainsburys loan 3,804.48 Last pmt due Oct 07
7. A&L OD 684.12 @ 0%
   Total 9,239.50 ...... 8,793.10 paid off! :j

I think all that's left is to have some aims for 2007....

1. I will continue being organised and meticulous about my and our finances
2. I will pay off the overdraft by February then save enough to pay my Tesco loan off 14 months early!
3. Improve further on the food shopping/planning
4. Get a permanent position similar to the temp I have now as I love it and the salary increase will help with other aims
5. As soon as I am debt free, I will use my 'extra' income to build a next egg for us for emergencies
6. Next thing after that is mortgage overpayments to get rid of this other necessary debt as soon as we can!
7. More important than any other aim though, I will spend as much time as I can with my OH, family and loved ones because I know that each day we have is precious.

A very big THANK YOU for all your help and support and to Martin for creating this wonderful site!

Here's to a good year for us all :beer:

Moozie x

MABLE

moozie wrote:

Well lovely DFWs , I thought I'd update my thread for the last time in 2006. It has been quite a year between you and I! Financially of course but also in many other ways that I don't think is appropriate to mention here.

It started off with me being in a serious financial pickle and vast misery about it all. Then found you lot and I was ready for a change! 10 months later lots of things are different and I am just soooooooo proud to have turned things around before things got really sticky :rolleyes:

So, let me see, in no particular order and I am sure I've missed lots too...

• I now open and read all my post and then file it meticulously
• I am religious about keeping a spending diary each and every day and I know exactly where every penny has gone
• I have created a good budget for myself and although I've tweaked it a few times, I think I am on the right track for it
• As a result of feeling more confident and happy, I managed to get a temp promotion at work and £4,000 payrise a year
• I overpay on my min payments by £300 on average each month!
• I have made over £1,200 from mystery shopping/Quidco/Ebay/Amazon and it has all gone into debt overpayment
• I now have a cashback credit card that I pay off in full every month and have £60 in cashback which will be used for me and not debt
• I have a very open and honest relationship with the OH about money. We talk about it sensibly and we have not argued about money since March!
• We have just bought our first house together and moved from a tiny one bedroom flat to a lovely 3 bedroom house
• We have changed the way we food shop and eat. We now plan and buy sensibly, waste little if any at all and our food bill has dropped significantly
• We have realised the magic powers of vinegar ans although not full old stylers - we are breadmaker and slow cooker converts!
• I have a clear plan about 2007 and I am not scared/worried/panicked when it comes to my/our financial future!
• I read/research MSE articles and forum before anything important is decided - it's the most useful resource! :T

When I found you, I was in tears, so upset I couldn't sleep and so worried I thought things would never improve. Now I am sitting here smilling and feeling positive and upbeat. It's quite unbelievable really!

March 06

1. Barclaycard 51.56
2. Barclays OD 413.02
3. Freeman 65
4. Halifax CC 2415.08
5. Tesco loan 6,601.57 Last payment due Feb 09
6. Sainsburys loan 7,178.23 Last pmt due Oct 07
7. Barclays OD2 1,308.14 @ 15.4%
   Total 18,032.60

December 2006

1. Barclaycard 0
2. Barclays OD 0
3. Freeman 0
4. Halifax CC 0
5. Tesco loan 4,750.90 Last pmt will be Oct 07
6. Sainsburys loan 3,804.48 Last pmt due Oct 07
7. A&L OD 684.12 @ 0%
   Total 9,239.50 ...... 8,793.10 paid off! :j

I think all that's left is to have some aims for 2007....

1. I will continue being organised and meticulous about my and our finances
2. I will pay off the overdraft by February then save enough to pay my Tesco loan off 14 months early!
3. Improve further on the food shopping/planning
4. Get a permanent position similar to the temp I have now as I love it and the salary increase will help with other aims
5. As soon as I am debt free, I will use my 'extra' income to build a next egg for us for emergencies
6. Next thing after that is mortgage overpayments to get rid of this other necessary debt as soon as we can!
7. More important than any other aim though, I will spend as much time as I can with my OH, family and loved ones because I know that each day we have is precious.

A very big THANK YOU for all your help and support and to Martin for creating this wonderful site!

Here's to a good year for us all :beer:

Moozie x

Bloody brilliant. Well done!

chocaholic110

It looks good when all written down like that, doesn't it?

You are definitely an inspiration. Congratulations on your achievements so far and good luck for a prosperous 2007!

southernscouser

Well down you cow!

pudding06

Truly amazing, the difference 9 months with mse can make.

You are an inspiration to us all, moozie,

I'm off to make my own dfw plan for 2007

pudds

hypno06

What a difference a year makes! Here's to a fantastic and successful 2007.

:beer:

pink_fairy_7

Brilliant moozie. Well done. Inspirational.:j :j

pink fairy x

Luna69

Fantastic.. just read through all of this, well most of it and you have given me much more inspiration and confidence to plough into our debts in 2007.

Congratulations on your brilliant achievement. :j

Yvonne

spud30

So basically nowts changed then Moozie :rotfl:

Only kidding hun, you should be very proud of yourself.

Here's to a happy and prosperous 2007 ehh :beer: