Clear my debts in 12 weeks!

MoneyWaster2007

Hi! My monthly repayment has come out today, taking my loan down to....£1,467.26!!! Woo!!!

I ended up going out last night - the boredom got the better of me but it was good to see my mates, although how I feel today is not so good!

I still have £93.63 left over from my wage, so that will be going into the loan on Friday :cool:

It's getting closer to the 1k mark, and I feel that as soon as I get into that final thousand, I will start to feel that the end will be in sight!!! I will be counting down in hundreds rather than thousands - what a feeling!!!

Can't wait for my new debt - free life...not long to go really...brilliant!!!

SkintGypsy

Moneywaster, just wanted to say I have been following you since your first thread :rolleyes: and I like you.

You are doing fantastically well and I'm sure these challenges you have come through will only stand you in good stead for the future. Wish I'd learnt these lessons at your age and sorted my finances before I moved out.

Will keep reading and lurking quietly, but just wanted to say well done young man!:T

MoneyWaster2007

Thanks SkintGypsy!! It's posts like yours that keep me motivated!!! :T

Happytogetdebtfree

Hello pay day yay but next month should be the best pay day for me woo hooo ......... i presumed you went out its very hard to stop in every weekend when your young and no one wants to hang out with you, get yourself a girl:P haha.... well i think we can argue that because you have been doing the overtime it shouldnt affect the 12 week debt plan because you didnt account for the overtime increase when you started eh ??? i must dash im meeting a friend and im trying to be excersise friendly so tonight i hit the treadmill and in 12 weeks tada lol lol ol

MoneyWaster2007

How come next pay day should be the best for you? Did you do a lot of overtime this month??

Yes, I could do with a girlfriend, but they cost money he he....it's better to be single for now I think...

Yep I'm still on track with getting extra income from the overtime, would hate to stray from the plan!!!

What's happening in 12 weeks? You going somewhere??

Happytogetdebtfree

lol im going to the dominicon, gfs dont cost cash or are you intending t o buy yours ? i have worked alot of unsocial hours this month yippeee nights and weekends so it should make a difference to the basic 1400 woo woo although i need a new car grrrrrrrrrrrr i want new car haha

MoneyWaster2007

You need to buy girlfriends gifts and look after them and at the moment that would be a right buggar, being so close to being debt free!! Don't think I'll be buying one haha. Anyway, when I've paid off my loan I could get a girl a bunch of flowers for each day of the week

How long you in the dominicon? Sounds cool...£350 a week is mega bucks to me! Are you sure you work for the nhs? It sounds to me like you're a movie star or something...

...Cars cost money, money that could be thrown into your debt - do you really need one? I have an old shagged mountain bike that I use to commute to work and it's just fine - costs nothing to run and keeps me fit....I even got a girls phone number on the way home from work recently, so it must be one hot set of wheels ha ha ha:D

Happytogetdebtfree

Hahaha I'm positive I work for nhs I don't know what you get paid but I'd want plenty to peddle to work il stick with the old banger for now haha I talk myself out of things lol yes no gf get debt free when your single your pockets jingle so my dad says ha! Well done on the phone number you text her yet orange Wednesday buy the tickets in the day for a later showing so you can cruise in and invest in a tandem so you can peddle round together hehe ahh back ling day tomorrow grrr must start getting the lottery lol x

MoneyWaster2007

I text her but she has a boyfriend so its a no - go, oh well:rolleyes:

I guess that means no tandem lol

How's your long day been??? I worked my breasts off today (it wont let me write tits) and worked out that if every time I want to check the time, I don't, then the time goes quicker and before you know it, it's home time, wahey!

I'm wide awake this evening for some reason...normally I'm tucked up in bed by now...

Anyway, it's another day over and a day closer to my DFD!!! Not spent anything today and it's October on Thursday, at the end of which I am predicting my total debt to be around the 1k mark, if not under a thou :cool: It's all starting to take shape, slowly but surely.

O yea by the way, what the chuffing nora is going on with the royal mail strikes??? I ordered a book on 08.09.09 and it still hasn't arrived yet...dammit :eek:

Happytogetdebtfree

Hiya longday was intresting but glad to have a few days off got to prepare a presentation on copd and present it. I didn't know royal mail was on strike cos I am waiting for my driving licence returning hmmmm I should phone them why u still up?