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£77,366.35 reasons to be debt free!

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  • Wow! I have to say I'm fairly speechless coming on here this morning and reading so many fantastic posts and all so supportive. Thank you so so much. It is amazing how kind words from strangers can make a difference.

    Hopefully feeling a bit stronger today, will get back up and dust myself off and start the week again. Have got my CV to have a look over it and the sad fact is that if I do have to leave it will be because of an individual however it may give me the opportunity to do bigger and better things, who knows? But I will stick it out if I can.

    Honestly cannot say thank you enough to you all x
    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
  • miemie
    miemie Posts: 646 Forumite
    IMD glad your feeling a bit stronger today, its terrible that one individual has done this to you and you may have to leave your job because of it, good luck updating your cv and like you say there might be bigger and better things out there.
    keep strong and take care of youself.
  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope you get things sorted soon. At the begining of our journey an icy road and a tree looked very tempting! All I can say is keep a record of everything that is happening at work, you never know when you may need it.
    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
  • I just want to say how brave you are! My OH has no idea about bills/mortgage etc and just thinks we can spend what we like!

    i have my fingers crossed that everything will sort itself out

    xx
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    edited 10 November 2009 at 8:08PM
    Evening :) Marginally better day, still horrendous but not as horrendous as yesterday.......

    Been positive today, cancelled a DD for £7.99 for something I forgot about and also cancelled the £30 gym membership :j I am part of a gym membership through work and spend most of my time at that one, and as it's getting colder I am less likely to want to go to the gym at night so saved £38 or thereabouts today!

    Ever so slightly envious of the lottery winners, laid in bed last night and thought who I would give money to if I won and I have to say, hand on heart, I would give people on here money who have been so kind and lovely when I really was low yesterday. Did consider making an appointment with GP but will just post on here and cry instead....

    Got xmas lists of kids today, Madam wants a laptop, phone or flatscreen TV :eek::eek::eek::eek: she's 9:eek::eek::eek::eek: and has had a very stern talking to about high expectations. Little boy wants three piece of lego :D however he would liked them wrapped individually......

    Best go and feed dogs now, the youngest is sat on my toes with his bowl in his mouth, just a small hint I think?
    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
    Madam will soon learn :rolleyes: My DS was always the same - one year he asked for socks........:D:o

    I am glad today was slightly less horrendous, but sorry that it is still horrid. It will get better, honest it will.
    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)
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    My Dd has asked for a Wii, a laptop and a DS - the new one with the camera - yeah right :rolleyes: She's 5!

    Glad today was better - onwards and upwards :T
  • Poor IMD. Am sorry for your pain. But it's good you did some things to make you feel more positive moneywise, at least, today. When are a lot of these OHs on here going to grow up? Yours might be great in other ways but he needs to support you and see this DF journey as a joint venture, not you curtailing his fun. Silly boy. He could at least start by filing his expenses on time, a v small step compared to all the responsibility you're taking. Humph!

    Yours in sistahood

    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
  • Hi IMD, just wanted to say in arch this year i had a breakdown because of work issues with boss and such. Earlier this year about 6 weeks after returning to work i had a word with her and waht gave me the courage was thinking of my family and how we needed this job and boy she was no way going to take that aaway from me. I understand that it may be different sets of issues for you but
    just remember that as long as you have ot done anything wrong th ruth wll out!x
    I do understand your stress i have had many a moment of suicida thought to close for comfort some times!
    Be kind to yourself , the best advice i had which was from my gp was its all to much to cope with so just start by just keeping breathing in and out and go from there!
    My thoughts are with you. Feel free to pm me i am also a qualified counsellor, and on line friend!x
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi IMD - I didn't post last night as was unsure what to say. Sorry that your work life has taken a turn for the worse. I agree with Lucielle - keep a diary of everything that happens and date it. Dusting off your CV and trying to move on might be a better long term solution.

    I've struggled with depression altho strangely it hasn't been debt that got me down - debt has been a symptom of depression if tha makes sense rather than the other way round. I would go and see your GP and see if you can get any support that way....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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