Fresh tax year fresh diary ( i cant locate my other one) :D

Happytogetdebtfree

Thats lovely news i hope you can sell it for a reasonable profit and enjoy the surplus i have a while yet to get debt free but slow and sure wins the race is all i can say, we just have to keep going thats all the race can be long but in the end it is worth it, i aim to be mortgage free when i am in another house that i intend to keep as my home lol xx

dentonemma

In the meantime i just have keep chipping away. I know how hard its been for us this year and the thought of another 7 years of no can't do this, can't buy this, life to short. I just want to get on and get the house on the market, one step at a time.

Each day is nearer to our aim.

Happytogetdebtfree

I can imagine i dont like to dwell on the lbm day because i felt sick about it for along time for us to have that much owing out i wanted to faint now its apart of life and i know it will be gone, but suddenly you develop a spending conciouss~(sp) but i now never add to my debt and id ont spend on cc and everything is our cash but the finances eat it, i wish i knew then what i know now, i cried for a long time and i had to post pone my wedding i just had a massive wake up call and it was horrific but i dont know how we did it atthe time !! funny how suddenly more you know less you can do but my pre lbm i was in another world lol xx

Woowoo

Good morning & happy September!

Happytogetdebtfree

Happy september woo woo, ive done another siggy update and i am into myyyyy 57k mark only just but woo hoo all good in the land of happy, ive just been out for a nice walk im cream crackered lol hope you are well xx i think i need a coffee lol lol xx

CITDFW

just found your diary, will need a week to read it :-) will fit it in somewhere, hope you've had a good day x

Happytogetdebtfree

Morning, il save you that week and bullet point for you and anyone else who may read haha :j

• 26 of age
• recently married
• big debts ( cancelled wedding when i had my lbm and waited till i could afford) as per siggy :eek:
• would like to be rid of said debt by 2012.. constantly debating on overspends for diy rather than overspends on outstanding debts
• id like to build my own home and id like to have some half decent savings before i start a family
• ive been up and down with moods but much better since i got on the line of thinking of the secret and positive thinking
• i accept i built it up and it will take time to go and i like the idea of eventually having more than enough money to do as i please with
• im doing bits of diy as i can
• the worry of my finance is 22k is secured and its apr is varibale from 2012 so i would like to be long rid of it by then
• Hope that saved you a week and if you want to ask questions send a post card il try my best to answer xx

Happytogetdebtfree

ah and i love spreadsheets snowballs and formulas and working out different plans to pay said debts lol lol xxx

Woowoo

Would you recommend The Secret then Happy?

Happytogetdebtfree

Woo woo some people take the secret as gospel and some people can misinterprit as a load of cods wallop but i have to say since i started thinking more positive and showing an attitude of gratitude im finding a whole new way to look at things and unexpected cash as turned up before when ive needed it the most.... yes its hard to be 100% positive all the time but i do try to find some positive in everything because when you shift teh mindset to negative you seem to draw more negative.. as i listened and watched the secret and also t harv eker i noticed some of the things it was saying made sense .. for example the more you think about debt in negative angry terms the more things of debt it attractys be it a late charge a late bill something going out before it should do ... now you know what banks are like and i know what banks are like and in my account i had 0.90p short for my overdraft charge i couldnt get it in but i stayed positive and i kept saying i wont get charged it will be ok and pay pal did this check with my account they transferred 1.08 in and i didng get cahrged now normally banks will take the charge before they credit you with any expected money this time they didnt so i took that as positive thinking... another time was i was doing my spreadsheets and i saw we were 300 short for something i went into overide and was pretty sick and i just said i need my oh to get 300 asap, id told him we needed it i willed some extra jobs i through out the attitude of gratitude 2 hors dlater my hubby phoned he had been given a bonus of 300 pound for his good work and dedication now you tell me thats not universal vibes.. im no voo voo or preacher but ive found looking at the things in life such as the finances in a more positive way has had a better effect ... harv eker has helped me more in terms of finances ... i think i write about him a few pages back he talks about the jar system .... i sound like a freak now but im not honest i hold down a professional job :P xx