£77,366.35 reasons to be debt free!

planning_ahead_2

In_my_dreams wrote: »

Wow nearly 24 hours since I posted :eek:

Not much to report. Done some running, hair cut and no non-budgeted spending :j OH has also asked to enter a golf competition and I said "no, wait until we are paid to see if we can afford it" - I've ignored the huffs and puffs since. He was only saying last night he wants the mortgage paid off but that involves sacrifices.....

Another major hurdle was keeping up with the jones' - our very nice and seemingly better off friends asked where we were going for holidays today and I replied that we weren't going abroad this year as we were having to save for a new car (and £77k in debt) .........................ok so I didn't say the end bit :rotfl:but I normally just say we are going away, whether we can afford it or not. I'm quite proud of myself

Been fairly uneventful apart from that. Now going to watch Muslim Driving School which part of me feels could be racist and sexist so off to form a view!

Well done on dealing with the Joneses....perfect:beer:

POSITIVE_AND_FOCUSED

One of my sayings on the kitchen cupboard in the kitchen (surprisingly!) says, "What others think of you is none of your business!" That is such a freeing concept, and I can really empathise with what you say about keeping up with the Jones. Being on this debt free journey highlights just how different our lives can become facing up to what we need to address, and realising what really matters and what doesn't. Keep going, you are doing so well!!

In_my_dreams

Thank you PAF and pa - I felt surprised how easy it was to say that we weren't going away and was quite proud

Had a very stressful start to the day. I wrote a cheque from the wrong account and so I was horrendously overdrawn :eek: I swallowed my pride and went up to the Bank to 'fess up to my sins and transfer the money from the right account. They had already kindly charged me £25 for my mishap but after promising it will never happen again they waived the fee :j They did make me feel naughty though. Even better I emailed OH and told him what had happened, whereas normally I wouldn't tell him, but I think I needed to tell him the available £47 had reduced to £22 and then he was proud of me for getting the fee back

My only slight annoyance was that I took soup in but due to a meeting I couldn't get to the microwave and had to go and buy my lunch :eek: Will warm it up and put it in a flask in future just in case.

Fingers crossed we are paid on Sat/Mon as funds are very low but we ARE managing and I am refusing to buy things. Essentially I think I had NSD or very low spend days since Sunday so progress indeed

Off to sort out washing/ironing/shopping now....

MissOptimistic

Well done on getting the fee back! I was charged £25 the other week, but after looking at my statement, I couldn't see why, when I rang the bank, they couldn't either and refunded the £25 fee - just goes to show you that they could have gotten away with it if I hadn't noticed.
Well done on the low/no spend days - hope payday comes round quickly for you

In_my_dreams

Thank you Miss O - just been over to your thread to congratulate you on your good news!

Am just wasting time on here rather than emptying washing machine and dishwasher - ridiculous!

hypno06

Things really do seem to be coming together for you at last! Be proud

davenkelly

Hi Everyone,

IMD and all you other regulars...you've brought me out of lurkdom (which doesn't happen that often!!!)

actually it was the image of the chocolate bunny being eaten which actually made me laugh out loud!!!

Without wanting to hi-jack your brilliant diary, i just have a couple of things i'd like to say to all of you;

Firstly i think the level of support and admiration on this site is phonomenal (spelling???)

I am 19 and have about £2500 worth of debt (me + OH combined..but it is efficiently managed debt..if that's at all possible!) and we have just taken out our first mortgage :j

your diary...and in fact everyone's diary makes me smile, laugh and spurs me on to be DF and MF.
If i have half as much grit and determination as all of you on here when eventually i get married have kids etc i will be thrilled.

I think your spirit and attitude is something to be in awe of..and from constantly following your diary...sometimes i don't know how you carry on!!!!

What i really wanted to say was, i wish you ALL the best on your DF journey, and i know you will be amazingly successful.

And to everyone else...hypno, InAPickle....savingholmes...everyone your all inspirational people and im behind you all the way..

(except with the running!!!!!)

:beer:

savingholmes

In_my_dreams wrote: »

Sorry for the quietness, have been ebaying like mad. So far got 51 items on ebay and about another 50 to list :eek: Ended up putting them on via turbo lister so will list them all at the same time.

Moneywise, I think that mentally I have actually turned a corner and realised this last night :idea: Checked the bank balance, thought we had about £100 to last us until Monday, however the OH 'fessed up to spending a fair bit at B&Q :rolleyes: and wasted £20 on sundries :rolleyes: so we have £47 left until Monday :eek:

Normally I would mini panic, transfer some over from our other account or take some out of our credit card and not say a word to DH. Instead, I showed DH the state of the account and that we had £47 left and I had no money to transfer over and we would just have to cope. He did, what I now see as his defence tactic, and asked me "what I'd spent money on" and so I produced the spending diary showing that he had spent about 70% of the monthly allowance :j so that shut him up!

So he knows we have £47 left, if he spends it all I am victorious and I didn't even buckle under the pressure he was implying I had spent money - getting there.....

sounds like you are getting there! I am still the problem spender in our house - altho I am also the solution and the only one actively doing anything. OH doesn't spend a lot - but when he does he does it big style! He does sometimes sneak things in but then so do I

In_my_dreams wrote: »

Thank you PAF and pa - I felt surprised how easy it was to say that we weren't going away and was quite proud

Had a very stressful start to the day. I wrote a cheque from the wrong account and so I was horrendously overdrawn :eek: I swallowed my pride and went up to the Bank to 'fess up to my sins and transfer the money from the right account. They had already kindly charged me £25 for my mishap but after promising it will never happen again they waived the fee :j They did make me feel naughty though. Even better I emailed OH and told him what had happened, whereas normally I wouldn't tell him, but I think I needed to tell him the available £47 had reduced to £22 and then he was proud of me for getting the fee back
.

WEll done we have always managed to get our fees back at the bank - not been a problem for us for a while as we have a big overdraft limit :eek: but luckily use less than 20% in a normal month - sometimes not even any. this month has not been as good but that is partly because I overpaid a card as my overdraft interest is better than the card's!

In_my_dreams

DNK - thank you so much for your post and welcome out of lurkdom. It kind of makes it all worth writing down if it makes someone laugh. It is far from easy but it is life and I don't want to look back on it all thinking I spent 5 years being miserable because of debt.

SH - I am "stillish" the main culprit re spending but OH is realising he is also a contributor rather than sitting in the corner polishing his halo. But as you say, I am also the solver. I asked him two months ago to cancel Sky as it's in his name and he still hasn't done it :mad: I am so so sick of asking him, he could have done it tonight but just says he'll do it tomorrow then says I'm nagging :rolleyes: Have pointed out we have now wasted £20, which he could have put a golf trip!

Done Mr T's shopping, coming tomorrow. Hoping tomorrow wil be a NSD as I am poor pauper anyway :rotfl:

Bon Soir everyone

savingholmes

Could you type out the sky cancellation letter - leave a space for him to sign - lean on him to sign and then post it for him.... yep my OH would need that much spoon feeding too! We are on freeview tho luckily!