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

Happytogetdebtfree

Afternoon, why does life feel like such an hard slog sometimes i feel like crying into my tea cup or cereal bowl which ever fits better lol but seriousley i have again been looking at numbers and to my dismay it looks like 3-4 years of this carp which is a sickner !! i do not know how to speed the process i may look at some snowballing later but i just can not see a way forward arghhhhhhhh :O :eek: i had to rant i feel !!!!!! off

jwil

Happytogetdebtfree wrote: »

Afternoon, why does life feel like such an hard slog sometimes i feel like crying into my tea cup or cereal bowl which ever fits better lol but seriousley i have again been looking at numbers and to my dismay it looks like 3-4 years of this carp which is a sickner !! i do not know how to speed the process i may look at some snowballing later but i just can not see a way forward arghhhhhhhh :O :eek: i had to rant i feel !!!!!! off

Aww Happy, I know how you feel, I've got a good few years of it as well. It's very frustrating, but you are doing so well! Have a play with the snowball, you might be able to squeeze some months out of it. You will get there though!

Woowoo

Hi Happy

Sorry to hear your having a down day love, all we can do is keep plodding on and try and have some fun along the way.

The timescales are frustrating though and can really get to you some days xxx

Happytogetdebtfree

Hi i have done some snowballing and il just have to like it and get on with it and stop moaning on about the woes of life ..... il feel better once oh gets bonus and his inheritence sad to be used on debts but good if it gets us closer to the free day ..... having a dvd day conserving fuels etc etc trying to keep positive i suppose il feel better in the new year when i can see how things pan out wishing time away is a sad thing :O x

Happytogetdebtfree

Good evening, i am just organising my spreadsheets for next year trying to make them make more sense to me, ive decided to use one of the bank accounts as purely bills dd and standing orders anything extra will be moved out spending should not occur from that account or from the card :money:fingers crossed this is the way to do things lol anyway back to it xx

EB69

Thats exactly what I do - I get paid into my current account, and having calculated what the monthly DDS etc come to I move the balance across to my "spending" account. Not that there's much left after the DDS etc... but hey, at least it means there are no bounced DDs etc - I dont even have a card or cheque book for the account so there can be no temptation!

I am sorry you were finding it a slog a few days ago - I get that love! I am not far behind you in terms of numbers so I'll be here cheering you on in the months and hopefully not too many years to come...

xx

Happytogetdebtfree

It is an hard slog definatley and it does get me down somedays i struggle more when my bank balances dont match my budget sheet thats because everythings pooled to one account so i am going to try the new way next pay day and see how it pans out i look forward to seeing ypu in the 40's its sad but i wish time away just so i can be rid of this debt quicker :)P x

Woowoo

Hi Happy

Having a seperate account will make your life so much easier, well done love x

Happytogetdebtfree

I have snowballed and if i work that bit harder can have a clean slate by jan 2013 but the home owner loan will need paying, but by then il have 1500 pm spare so thats 26 pay days away if i stick to plan and try be really good :S xxx

Woowoo

26 paydays makes it sound much less daunting, give it your best shot