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£77,366.35 reasons to be debt free!

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Comments

  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Keep going. Its all highs and lows. Something usually comes along to trip you up but you have to get up dust yourself off and keep going. I think its a very srtessful journey but one that has to be made.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Hi IMD

    I too have had a couple of difficult mornings with the DSs this week - and I too am counting the minutes til pay day. So you're not alone, as the others here have said. Just going to update own diary now about the stresses and strains of this time of the month! Just got to hang in there and keep plugging away though - we will overcome......

    Mrs R
    #Tesco 0% NIL Jan 2010
    # RBS 3.9% NIL Oct 2010
    # Virgin 0% £2670.92 Oct 2010
    # RBS O/D NIL - repaid with redundancy pay Jan 2010
  • Have just been reading through your diary and am so inspired by your determination. We all have bad days !! As long as you get back on the wagon the next day then don't beat yoabout it. Keep going and I look forward to congratulting you on your signature update !!!!!
    I too am looking forward to pay day.....a week tomorow...HELP !!!!

    :coffee:Have this on me!!!!
    :T Now under CCCS for our debt problems:T

    Finally getting sorted !!!!
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Thank you all so much, it's bonkers that people who don't even know me can lift my mood and make me feel better. Hopefully this time tomorrow I'll be in credit in the bank (for a few days anyway) and all will be well with the world again. Itching to pay some bills and get that signature down.

    Sould incredibly selfish, but it's also reassuring when I see posts/replies from people who are in a similar mess to me figure wise as I know I'm not alone. There is still a whisper in the back of my mind that I'll win the lottery and sort this out :rolleyes: I know I won't and it's ridiculous to think I will, maybe once I get sub 70k I may feel better about it all?

    Pleased with my dough experiment, made some fab pizzas with the kids and only spent £1.29 on ingredients as got everything else in and frozen half the dough for another meal next week - look at me the great MSE'r :D

    Off to chill with a cup of tea now, update tomorrow in a cheerier mood :)
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Phew! Deep deep sigh of relief - checked bank and whilst no wages in there yet nothing else has come out so may (just) scrape through?! Have £60.20 left in joint account which is more than I thought :j and £185.95 left of overdraft in Bills account, BUT written cheque for £50 and Council Tax due which is about £150 and so I need to hope cheque doesn't come out on Monday, will work out potential shortfall and transfer some of the £60 over I think just to be on the safe side.

    Can breathe again for a short while.............
    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Breathing is good :D
    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)
  • mel19632
    mel19632 Posts: 647 Forumite
    Hi IMD - I have been subscribing to your thread for ages now, but just wanted to say, keep your chin up - things WILL get better! Its great that you are not increasing the debt, but that it is going down. Celebrate every milestone and it will keep you motivated. Hypno is an amazing inspiration as well - maybe check out some of her many diaries!?
    I don't know if you have thought about challenges yet, but there are quite a few good ones to help you.
    I am part of the "pay off £20k by Xmas 2009" one, which is a really good support thread - again organised by Hypno!
    Not sure if there will be one for next year yet, but if not I'm sure there will be something similar!

    Anyway, good luck and keep up the good work!! xx
    Paying down the mortgage:
    At 1 October 2011: £226,000
    Currently: £224,499
    Aim: 85% LTV (£212,500)
    Paid £1,500
    Target remaining: 88.89%
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    There will def be a "pay off £20000 by Christmas 2010" thread starting on 1st December.......no fear about that!

    :D
    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)
  • mel19632
    mel19632 Posts: 647 Forumite
    Woop! I'm in for that one! Have you started the thread yet?
    Paying down the mortgage:
    At 1 October 2011: £226,000
    Currently: £224,499
    Aim: 85% LTV (£212,500)
    Paid £1,500
    Target remaining: 88.89%
  • mel19632
    mel19632 Posts: 647 Forumite
    I can't believe I "wooped" over paying off debt - MSE has a *lot* to answer for....:)
    Paying down the mortgage:
    At 1 October 2011: £226,000
    Currently: £224,499
    Aim: 85% LTV (£212,500)
    Paid £1,500
    Target remaining: 88.89%
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