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I finally did it...

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  • Emmzi
    Emmzi Posts: 8,658 Forumite
    1,000 Posts Combo Breaker
    Melabarrie,

    my mantra..

    progress, not perfection

    No one likes a smart alec, slipping up makes you human. So long as it's only once in a while!!

    No point asking me about the 2k, I'd put it in the illogical rainy day stash!

    xx
    Debt free 4th April 2007.
    New house. Bigger mortgage. MFWB after I have my buffer cash in place.
  • CosmoCat
    CosmoCat Posts: 681 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Emmzi wrote:
    Melabarrie,

    my mantra..

    progress, not perfection

    No one likes a smart alec, slipping up makes you human. So long as it's only once in a while!!

    No point asking me about the 2k, I'd put it in the illogical rainy day stash!

    xx

    yeah emmzi, i just read your thread, and i'm laughing at the audacity of me putting advice on there while coming here and asking the very same question:rotfl:

    go figure:confused:
    MFW Newbie - #17. (#116 in 2019)
    New Mortgage at Nov 19 - £273 499
    Current Balance - £268 225
    Want to cut down 26 year mortgage by 9 years!
    New MF date 2036 :dance:
  • Emmzi
    Emmzi Posts: 8,658 Forumite
    1,000 Posts Combo Breaker
    Ok.. I'll pay off debt if you do.. pact?
    Debt free 4th April 2007.
    New house. Bigger mortgage. MFWB after I have my buffer cash in place.
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    melabarrie wrote:
    hey guys. good morning and hope you all are already having a wonderful day.

    Thank you - hope you are too :)
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • CosmoCat
    CosmoCat Posts: 681 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Emmzi wrote:
    Ok.. I'll pay off debt if you do.. pact?

    alright!! it's a pact! :beer:

    I will be posting this on and checking your thread to see if you've done it.
    MFW Newbie - #17. (#116 in 2019)
    New Mortgage at Nov 19 - £273 499
    Current Balance - £268 225
    Want to cut down 26 year mortgage by 9 years!
    New MF date 2036 :dance:
  • Emmzi
    Emmzi Posts: 8,658 Forumite
    1,000 Posts Combo Breaker
    melabarrie wrote:
    alright!! it's a pact! :beer:

    I will be posting this on and checking your thread to see if you've done it.

    Deal!

    But we get to buy chips once we've done it :)
    Debt free 4th April 2007.
    New house. Bigger mortgage. MFWB after I have my buffer cash in place.
  • CosmoCat
    CosmoCat Posts: 681 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Emmzi wrote:
    Deal!

    But we get to buy chips once we've done it :)

    hoorah, i love chips!!:j
    MFW Newbie - #17. (#116 in 2019)
    New Mortgage at Nov 19 - £273 499
    Current Balance - £268 225
    Want to cut down 26 year mortgage by 9 years!
    New MF date 2036 :dance:
  • LookingAhead
    LookingAhead Posts: 4,633 Forumite
    melabarrie - guess what? You were in my thoughts today and you saved me £42! :D

    So thank you! :beer:

    "Why" you may ask....?

    Well I went to John Lewis armed with a £10 voucher. Whilst I was there I tried on (four times) the most fabulous skirt. Kinda 50's style A line (but not hugely A line...very 'now'), knee length with a big bold black red & white print. It was fabulously flattering for me as I don't have the best legs in the world and I am very hour glass shape (read: small waist & big ar*e).

    Basically it was the dogs whatsits and I LOVED IT. I wanted that skirt so much as I don't have many things for the approaching Summer. But it was £42. Not a fortune but not cheap either. I can't afford it anyway.

    Anyway you popped into my mind and I thought about how disappointed you were when you fell of the wagon and my advice to you.....and I remembered my own feelings the last time I fell off myself. I held that thought....then put the skirt back (the 4th time) and walked out of the shop and came home.

    I've got a face like a smacked ar*e this afternoon because I want the skirt but hey, I'll get over it. It's only a skirt. I would have felt such a hypocrite if I had bought it after doling out advice to you this weekend!

    Anyway I am going to see if I can make any adjustments anywhere else over the next month to see if I can afford it after next pay day. If I can't, then I'll forget all about it. If I work hard to get the cash to buy it then I can buy it guilt free! :D

    Thanks for sharing your story recently anyway...if you hadn't I may have been another £42 in debt today! ;)
    Bank Balance: In the black for the moment.
    Sainsburys Loan: Cleared July 2010
    Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
  • CosmoCat
    CosmoCat Posts: 681 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    oh my goodness Lookingahead you really made me feel good with your post. I think about all the advice on here all the time, and sometimes i think i never have anything valuable to contribute (only the occasional 'well done' or 'that's great' posts), so to know that my little story helped you save some dough really makes me feel great.

    i almost want to go out and buy you the skirt myself!!!!!

    a few amazon and ebay sales should get you that skirt in no time.

    thank you so much. you really made my day:D
    MFW Newbie - #17. (#116 in 2019)
    New Mortgage at Nov 19 - £273 499
    Current Balance - £268 225
    Want to cut down 26 year mortgage by 9 years!
    New MF date 2036 :dance:
  • CosmoCat
    CosmoCat Posts: 681 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Just made £44 on envirophone! found out about this yesterday, and realised i had a couple old phones just knocking about in my drawer!

    so that's another £44 off debt!!:T
    MFW Newbie - #17. (#116 in 2019)
    New Mortgage at Nov 19 - £273 499
    Current Balance - £268 225
    Want to cut down 26 year mortgage by 9 years!
    New MF date 2036 :dance:
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