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Losing sight of the goal
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You are so so lucky~to be debt free in 12 weeks~go for it
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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 -
Yep, I am lucky indeed, but it comes at a price; to be debt free in 12 weeks I would have to put every penny of my surplus income into overpaying on my loan, meaning no life
But at the end of those 12 weeks, a much better life!!! New Year, new start, clean slate :j Total in ISAs = £8,863.500 -
12 weeks - that's fab!
Start a 'Clear my debts in 12 weeks!' diary, and commit yourself to it, rather than talking yourself out of it. We'll all be cheering you on!:heartsmil When you find people who not only tolerate your quirks but celebrate them with glad cries of "Me too!" be sure to cherish them. Because these weirdos are your true family.0 -
Thanks whitewing! That's a great idea, I'll do that now :TTotal in ISAs = £8,863.500
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Just think how amazing its going to be when you're out of debt!
Loads of your money that you spend on debt now can go onto having fun!
You've just got to make a small sacrifice now to get out of the debt a bit quicker, well worth it!
Good luck!
xPersonal Loan: Start: £22020:eek: Now: £18800 :j
Credit Card: £600
Overdraft: £5000 -
I agree with everyone here. I would just do it. 12 weeks of being skint (out of choice!) will be totally worth it.
Good luckTwenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.-- Mark Twain0 -
yea you're right, it's just a case of having no money to myself for 12 weeks. The only change will be having to sacrifice going out on a weekend, but as i proved to myself this weekend, it can be done. Plus, if i'm staying in, i wont have to go out buying new clothes to go out in, so its kind of killing 2 birds with one stone. i've just got keep focused on the reason im doing this: to start 2010 with a clean slate, no debt, money in my pocket and the ability to save towards things i want without worrying about having to throw money towards debt.
ive been in debt since i was about 18, so thats 7 years!!! cant wait to be free :jTotal in ISAs = £8,863.500
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