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£77,366.35 reasons to be debt free!
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I'm perfectly fine thanks..just keeping positive.0
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Welcome home!
And enjoy sleeping in a decent bed...............all this 'at one with nature' does have its down sides!LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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Welcome home and back to a nice bed haha xI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Glad that camping turned out well and was good for family relationships... We went camping the first year we did mse... may give it another go this summer....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Welcome back;) Glad you enjoyed the camping:D
love
40SMxx0 -
Indeed there is absolutely nothing better than your own bed
Busy week, kids on half term, trying to work and fit everything in - complete nightmare. Asked OH today about his bonus but he just says he doesn't want to hassle them !!!!!! :mad: I have thought about using his work email to ask them why they have not followed through the promise of money but I'm sure I'd get found out :rotfl:
Been out for a small run and has cleared my head appropriately. I know that most of the CC deals are up at the end of this month and it is inwardly stressing me as I hate ringing them asking for deals but will do what I need to do and stop ignoring it as it won't go away!
Thought about dealing with my debt in £10k chunks and starting a new diary with a £10k countdown - might make it seem easier - what do you think followers?
Off to round the kids up, they just disappear into bushes and trees in the garden and come out covered in mud - but they're happy so who cares!
Will try and catch up with everyone tomorrow when I'm at work
1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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£10k chunks would work for me, even £5k chunks work, so just find whatever you feel comfortable with then go for it 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
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Hiya, glad you had a good break
The new plan of attack and new diary sounds good - perhaps that's what you need so it feels more manageable. Let us know when to tune in x0 -
£5k chunks would be good because you have the stamina for that and then the exhilaration will get you motivated for next chunk
I have had to abandon personal debt to get the business sorted, it is hard because Ricardo Branso just keeps piling the interest on but at least I can see business debt disappearing which is what I am using to keep me from losing the plot completely!
We have to work the psychology of this to our advantage..........whatever it takesLBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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I like the idea of chunks of debt whatever suits you love nice to see you , i liek the idea of using ohs work emailto find out about bonus hehehe xx I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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