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

Happytogetdebtfree

Well I think your cakes look great :-). I have just had an email to say some of my quidco cash has been transferred yipee :-)

Happytogetdebtfree

Another lovely payment to the negative wealth that stands me at £9903.56/£48262.44 which means i have a balance of £38358.88 remaining. I have paid off a massive £38882.11 since my lbm yay me

Happytogetdebtfree

Another direct debit has gone out and a nice little amount has been deducted off my outstanding balance £17.79 hehe every little helps. So the amounts stand at £9921.35/48262.44 meaning the outstanding amount is £38341.09 and that means i have paid off a massive £38899.90. Still some way to go but its coming down and thats what matters xx

OrangeFairy

Hey Happy - I love your positivity with your debt repayments!

I think it makes all the difference in the world to think positively while beating the negative wealth

Keep it going

Happytogetdebtfree

Im alive i made it through xmas shopping and i didnt take any prisoners lol! I just have 4 more gifts to get. Next year xmas is budgeted for from january so i will enjoy buying things. This year we have the money but it leaves me thinking i could have paid this down etc etc. Oh gets his bonus end of november early december and that will make a really big difference to the negative wealth numbers Once i know an amount i will be declaring my target for 2013.

I know what you mean orange fairy, its taken me sometime to really feel truly positive about paying the negative wealth down! in the early stages we spend alot of time tearful and angry but its always good when the lbm hits and you can make a real differance to your life i just wish mine had happened sooner :P shoulda woulda coulda but at least we are in the right place so fingers crossed for a good bonus and a big paydown on the negative wealth xxx

OrangeFairy

Well done on the shopping Happy

I will be budgeting all year for Xmas next year with you will make such a difference.

I will keep my fingers crossed for a very generous bonus pay - that will be awesome :beer:

OF x

Choc-addict

Hey Happy!

You're doing amazing on clearning the debts. Roll on 2013 for even more debt busting I say!

I agree sometimes it's really hard to stay positive and I sit here and think what do I have to show for all the debt when reality a lot of it was built up in interest over the years or charges in my case. I've done the tears, anger, tears, anger, bit of denial, bit more tears and anger and it's probably only in the last six months that I actually feel positive about what I am doing. Whether or not that is because I have a clear plan ahead now or mindset has change, i'm not sure, but it's going down and it's going - that's whats important.

I think 2013 is going to be a changing year for all of us

Choc x

P.S - what healthy diet are you following. I want to get better as could do with losing half a stone but more so changing my eating habits as they are bad adn upping my exercise which I think I can now start doing as my chest is 99% better than the last two months!

Happytogetdebtfree

Hi all, the last of the minimum payments have gone out now to wait for another payday for more reduction . So the amounts are £9957.59/48262.44 meaning that the current outstanding amount is £38304.85. That means since my LBM ive paid £38936.14, yippee im impressed

Hi choc, your right 2013 will be a great year when i say healthy diet im following a vlcd called slim and save i need drastic results hu hum and because im so keen to get up the duff i want an healthy bmi asap :P.

Hi orange fairy yes xmas budgetting is the way forward my spreadsheet still looks nice and the bank is the clearest ive ever seen it. Its really helped drawing money out as we need it for fuel etc x

OrangeFairy

Sounds like you have everything under control Happy.

I also do my payments once a month, sometimes I wish I did more with in the month to keep the motivation going until the next payday.

Are you finding the diet easy or hard....I'm off to have a looksie.

Have you had good results? xxx

Happytogetdebtfree

I lost a stone in a week lol, its a good result diet and its working for me, it can become boring but i am doing it purely for the quick results your guranteed a loss of a stone a month x