determinedtodothis for another year!

Moneytroubles_2

What a lovely thread, thank you for sharing your experience, i really needed to read it, it has spurred me on

determinedtodothis

Well I have 1 NSD under my belt for december :T... 9 to go

Debt payments are on hold this month, I've paid £50 off this month and £50 towards my electricity meaning i'm now £139 in credit ready for the bill this month, but have decided to give myself the rest of the month off not very MSE but good for my sanity, i have barely been out in 2009 and I have 2 xmas parties, 3 xmas lunches and i intend to go to all of them and have a budget for each night, last year I was very bah-humbug because of my situation but things are better for me this year and i'm celebrating! 3 presents left to get :xmassmile

I got all my xmas decorations out the loft on sunday and intend to busy myself this saturday putting them up whilst watching strictly and xfactor and i'm going to spring clean the living room during the day so thats Def a NSD on the cards.

I have my first xmas party Friday, its straight after work so I'm picked an outfit I can wear to work all day and still look a bit "dressy" in the night 1st drink is also free so good start :rotfl:

:xmastree::xmassign:

determinedtodothis

I have been a bit rubbish at checking in but a quick update..

10 NSD!! WOHOO (i think it might even be more but i kinda lost count!)
I've paid another £51.00 off my debts
have listed 3 items on ebay

:rolleyes: am skint for the rest of january, bills are paid, food in the cupboard but going to be a very quiet month!
:rolleyes: have a stinking cold...AGAIN!

I am thinking about new years resolutions. I don't normally do them but I was thinking maybe this year I will and I will incorporate them into my debt busting:

1. i'm going to loose weight, and I will put £1 in a sealed pot for every £1 lost

2. i'm going to pay at least £100 off my debts a month which is £49 more than my usual payment so i need to budget budget budget and get ebaying..which brings me on to -

3. i'm going to ebay all the stuff that at the moment i am hoarding to make some space and help with resolution number 2. I am also selling all the mobile phones i have just found in the loft (my ex's) well he obviously doesn't need them! - at the moment Mazooma is quoting £14.00 (they are old) might see what other companies are offering

tealady

Well done Determined. You will be an inspiration to many and reading stories like yours remind me how much effort is needed to climb out of debt (yes I have been there) and what a wonderful feeling it is not to owe any one ANYTHING! Keep ou the good work for 2010 and I hope you will be on the Debt Free Roll of Honour by Jan 2011.

doodledo_2

Well done you have come so far in a year, just imagine what you will be posting this time next year :T

bank_of_slate

You've made amazing progress in the last year, that's fantastic, I hope some of the newbies read this and take inspiration from you. :T
...Linda xx

determinedtodothis

Thanks guys i really really really would love to be starting 2011 with a minimal debt but i think its going to be small and steady payments for 2010.

Sometimes I find it hard to imagine what it would be like to post on here that i am debt free, but went i look back and take count of last year its doable i just have to stay focused

wish you all a very happy new year!

katenut

thats fantastic progress, well done!! hopefully we'll be in the same position this time next year. nice to see it can be done!! this moneysaving thing starts to get a bit addictive doesn't it?! xx

gabriella90

Just want to say that your a great inspiration, i'm just starting out on the road to being debt free, and by god i'm going to get there.

I've started a spend diary and am going to try for 14 NSD. These are the days i am at work for 10-12 hours. The only downside is my last paycheque is going to be the 28 th Feb eeek.

But i will get there.

Well done again

Verbatim

Lovely to see you back dtdt !!
Hope you've had a good xmas and enjoyed your parties. You've done so well.