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The ultimate incentive worked! Now onto phase two

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  • Tete_en_l'Air
    Tete_en_l'Air Posts: 7,134 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hello PuddingPennies!! :hello:Haha, I know what you mean, I recently stumbled across the Stripey Socks thread on here and am working my way through it at about 10 pages a day, not getting much work done! Good luck with tackling the debt - the first step (working out exactly what you owe and where) is always the worst but you'll feel empowered once you know you're taking control of it :)
    Weightloss: 14.5/65lb
  • haha, I dont think I should start reading another thread Tete, I know once I start I wont be able to stop, knowing my luck my boss will discover my secret habit of reading debt busting advice rather than doing any work and I'll be out of a job! I have got all excited and already decided my first step is to give up smoking, I'm already £4 a day richer... by my calculations thats over £1,400 in a year!! Feel ashamed of myself that I've been spending that much :(
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Wow thats a huge first step. NIM decided to give up smoking about a month after he met me, he went from about 40 a day to 0 overnight, and hasn't slipped up once. I'm so proud of him!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Tete_en_l'Air
    Tete_en_l'Air Posts: 7,134 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    That IS a huge first step, good luck with it! Can't imagine NIM as a smoker at all, he's too much of a cutie!
    Weightloss: 14.5/65lb
  • tinkerbel
    tinkerbel Posts: 1,795 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    wow welcome Pudding!! I hope you're ok and I'm glad you've been inspired to debt-bust!
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Can't imagine NIM as a smoker at all, he's too much of a cutie!

    I know, I think he was trying to distract from the cuteness by being a 'bad boy' - but he just doesn't have enough of a rebellious gene in him! He had waist length hair at one point before I met him too!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Oh and for anyone who ever notices my sig - I am aware the house deposit total hasn't changed in a while. This is because I have totally lost track of what is where! I am hoping to get it updated by the end of the month, once we have got the prize bond money to pay off the OD on the bills account, and have sold a bundle of stuff on ebay ready for next months regular saver payments, and once we have finished setting up all the saver account direct debits so I'm not so lost about the random puddles of money we have!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Tete_en_l'Air
    Tete_en_l'Air Posts: 7,134 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Waist length hair! Yikes!

    I can barely keep track of my own sig Dinah let alone yours! I tell you what though, this gym business is doing my bank balance good as I'm not going to the shops at lunchtimes :) Just a shame it will get swallowed up by the car.

    Everyone OK this morning? I have lots of work to do which is unusual and quite annoying seeing as I've just got my review-writing head back on. Tut.
    Weightloss: 14.5/65lb
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Sorry for the treble post, but struggling on the diet today - really hungry! Trying to fill up on diet coke, but I just want a sandwich! Had a cereal bar and 300g (yes, lots!) of grapes for breakfast, have leftover noodles (not diet healthy it seems!) and stir fry veg for lunch, with 2 petit filous. Have my last Graze snack pack if I need something this afternoon. Out on a tour of a chemical plant 3-6pm so that will keep me busy at least, but then going to my Mexican mystery shop - not so diet friendly!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Yes but it'll be swallowed by the car rather than you having to use an overdraft or credit card to pay for the car - so still a definite win! Didn't get to the gym last night as forgot I had a doctors appointment, won't get there tonight either due to the work until 6, then meeting NIM at 7ish for Mexican. When we're done there it will be a quick write up of the report while watching The Biggest Loser USA, and then its pretty much bedtime again!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
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