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Skint Spice's journey to being less skinty and more spicy
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skint_spice
Posts: 13,406 Forumite
Hello... yes, I am now officially debt free :jbut not sure I've learned anything:o! I want pretty things and holidays:o! This is part of the problem with budgeting so hard for so long that I've frittered away loads already (on a very tight month) on stuff like makeup and foodie treats and I've realised I need to calm down a bit or I'll never achieve the things I really want.
So this time next year I must have saved/done up flat and be in a position to go somewhere with DS that's on my "see before I die" list and not just a last minute getaway cos I'm bored. It's a long list so hopefully there's somewhere relatively cheap in there!
Please help me stay focused and don't let me get back into debt cos I can hear my CC calling me already "come to Greece tis cheap and you'll be DF again in no time..."
So this time next year I must have saved/done up flat and be in a position to go somewhere with DS that's on my "see before I die" list and not just a last minute getaway cos I'm bored. It's a long list so hopefully there's somewhere relatively cheap in there!
Please help me stay focused and don't let me get back into debt cos I can hear my CC calling me already "come to Greece tis cheap and you'll be DF again in no time..."
Mortgage OP 2025 £6200/7000
Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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And the main thing is that you have started your new diary before the old habits kick in.
Remember, it is like dieting - losing the weight is only half the battle.....just because the scales say we are at target weight, doesn't mean we can scoff again!
So.......once a DFW, always a DFW. And let's face it, why would we want to be anything different :rolleyes::rotfl:Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Remember, it is like dieting - losing the weight is only half the battle.....just because the scales say we are at target weight, doesn't mean we can scoff again!
So.......once a DFW, always a DFW. And let's face it, why would we want to be anything different :rolleyes::rotfl:
Mmmm... my diets usually end half way to losing the weight!:D:o way too much scoffing round here! it is hard to strike a balance but I need to keep focused or I'll never get out of here (flat not DFW;)).
Happy to stay a DFW although I'll be very happy if I stay DF.:DMortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Happy new diary! (Not sure about the title though...
)skint_spice wrote: »Hello... yes, I am now officially debt free :jbut not sure I've learned anything:o! I want pretty things and holidays:o!
Don't we all? But of course you've learned. Before you wouldn't have given a second thought to slapping it on the card. Now you don't do it.
We can't help what we want/like, but we can help what we do to get those things. Planning for the future is important, because one day the future is upon you..."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
Happy shiney new diary
Great tittle:pI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Planning for the future is important, because one day the future is upon you...
It's here now - I'm ancient! how the bleep did that happen?:eek: blink again and I'll be fifty. this time next year...
need to set some targets I think... off for a ponder.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Happy New Diary Skinty Pops:j
Get that flat sorted out and I will see you on MFW soon;)But these things take time, I know that I'm, the most inept that ever stepped.0 -
Get that flat sorted out and I will see you on MFW soon;)
I'm currently overpaying a whole fiver a month;)! only cos that was easier than cancelling the SO and setting it up again later:o.
I think once I've saved up and done the flat up I will overpay a bit while waiting for it to sell so who knows - I could be MF before I sell:eek:!Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
skint_spice wrote: »I'm currently overpaying a whole fiver a month;)! only cos that was easier than cancelling the SO and setting it up again later:o.
I think once I've saved up and done the flat up I will overpay a bit while waiting for it to sell so who knows - I could be MF before I sell:eek:!
Which means you get a hell of a deposit, or alternatively, you can buy afresh without having to wait for that one to sell.
All good news..."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
Which means you get a hell of a deposit, or alternatively, you can buy afresh without having to wait for that one to sell.
All good news...
Scary thought though! Please, please don't let sell it take that long!
How about you Z? any closer to buying? or not fussed at the mo?Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Still not fussed. Besides - job is quite up in the air at the mo, so keeping options open.
If the worst happens, I might sell the furniture and go travelling...if I planned it well enough with £8 travelodge rooms, I could be travelling quite a while..."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0
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