Wanting to be debt free BEFORE retirement!

planning_ahead_2

turfy6 wrote: »

Hi PA just read your diary, wow what an amazing start youv'e done really well. Im around the same age (Ithink) with 3 children all still at school and want to be rid of the debt before Im 50. We'll still have the mortgage but hopefully will be in a position to overpay. Although if DH has his way we'll have sold the house and be building our own, so may have to rent for a while, but if we make enough money hopefully we'll need a v small mortgage so its all positive.

I'll pop back and see you soon. Well done on the obsessive debtbusting, were all the same;)

Wow - building your own home...that is something my DH would love to do (but although I like the idea of a home exactly as I want it, I am not so keen on all the hard work in getting it built:rotfl:)

Thanks for popping in and reading my diary - I find it really helps keep me motivated and busting those debts:T

Snowmoredebt

Hi Planning ahead
you have paid an impressive amout of your debts. :T:T:T:T :T
How long till you clear one of your debts in full?

planning_ahead_2

Snowmoredebt wrote: »

Hi Planning ahead
you have paid an impressive amout of your debts. :T:T:T:T :T
How long till you clear one of your debts in full?

Morning Snow:beer:

5 more weeks and then three of the little b*ggers will be gone:T:T:T:T

Those will be Nat West Credit Card, and the 2 catalogues:T:T:T

I can't wait, as the saying goes:rotfl:

Will pop back in later to update the diary (very sheepishly sneaking off to pick up an ebay purchase....yes, that's right I bought from ebay rather than sold:o)

yummymommy

Hi PA

Fab achievment. Well done:beer::beer:
Glad to hear the diet's going well. Mine has gone completely to pot. Too much chocolate and wine this week !! Will get the bad news in weigh in on Tuesday !!!:o:o

planning_ahead_2

Debt diary day 25

Had a good day yesterday. Went off and picked up my ebay purchases. The house we picked them up from was for sale and was stunning.....so doing my little dolly day dream I logged on and looked it up - £1.25 million is the asking price....so when I have cleared a few more debts ....just maybe I will...........NOT buy it:rotfl: Imagine the interest on a mortgage for that:eek:

Talking of dolly day dreaming, I do an awful lot of that lately - about the future, about life as a debt free person, even life as a debt free AND mortgage free person. How sad is that....just 25 days into a journey of about 1000 days and I just keep dreaming of how good it is going to be:rotfl: That is also the reason I am typing this diary note at 1.51am:eek: - I can't sleep, my mind is racing with positive thoughts and I couldn't lay in bed any longer. I need to sort myself out:rotfl:

We did really well with the ebay stuff though - absolute bargains (and I spent less than £50 and it was all from our planned budgets for maintenance/repair - ok so maybe the items are secondhand, but they are very expensive items that cost me about 10% of the new price. I used MSE local bargain finding tool - for items that are collection only and am really, really pleased with myself. Having said that - I still haven't sorted my ebay listings out:eek::(

No movement on the debt busting front for a couple of days - and there won't be until the end of the this week (maybe a couple of odd bits and pieces because I am going to try and make a payment a day - even if it's only £1 )

The diet is .....well it just IS;) Why is it that when you are on a diet you constantly think of food - more than you ever normally do:EasterBun
Yep - that little smilely is me praying that I can withstand a piece of chocolate and failing miserably:rotfl: Still it was only one little strip from a galaxy bar that my DS walked in with this afternoon:o I lost 1lb this week - it was sooooo hard because I am convinced I was sooooo good last week and was sure that I would lose masses. Still, better 1lb off than on I guess:) As my mum always used to say - be grateful for small mercies:)

A shiny new week is here and I am determined to be positive about debt busting and dieting....I just wish I was as motivated to diet as I am to debt bust:(

Cialilerin

PA, you are doing sooo well. Don't worry about the diet too much, one step at a time - mind you, think about how much money you'd earn from ebay if you lost so much weight your clothes didn't fit!! :rotfl:Maybe that's the motivation you need - turn it into a money maker!

On a more serious note - thank you for your support on my thread, you will never know how much those kind words meant to me:A

grandma247

planning_ahead wrote: »

Debt diary day 25

Had a good day yesterday. Went off and picked up my ebay purchases. The house we picked them up from was for sale and was stunning.....so doing my little dolly day dream I logged on and looked it up - £1.25 million is the asking price....so when I have cleared a few more debts ....just maybe I will...........NOT buy it:rotfl: Imagine the interest on a mortgage for that:eek:

Talking of dolly day dreaming, I do an awful lot of that lately - about the future, about life as a debt free person, even life as a debt free AND mortgage free person. How sad is that....just 25 days into a journey of about 1000 days and I just keep dreaming of how good it is going to be:rotfl: That is also the reason I am typing this diary note at 1.51am:eek: - I can't sleep, my mind is racing with positive thoughts and I couldn't lay in bed any longer. I need to sort myself out:rotfl:

That dream will keep you going.
It must have been the weekend of looking at that type of house. We went to carnforth on Saturday and Dh got a paper from an estate agents while we were there. In it was a beautiful house complete with 2 acres of land and an indoor swimming pool so I said we'll have that one. It was......................four million pounds:eek:.:rotfl::rotfl::rotfl:

yummymommy

Well done PA, glad to see you are still going stong. Fab diary.

Yep I know the feeling about the weight thingy. Got my weigh in tomorrow. Fully expect to put weight on after the last two weeks of eating etc. Regret it now ! :o

planning_ahead_2

yummymommy wrote: »

Well done PA, glad to see you are still going stong. Fab diary.

Yep I know the feeling about the weight thingy. Got my weigh in tomorrow. Fully expect to put weight on after the last two weeks of eating etc. Regret it now ! :o

Debt Diary day 26

Hi Yummymommy

thanks for dropping in to my diary.

I have had a 'flat' day today. Don't know why, just felt a bit down and demotivated. I suppose that's bound to happen occasionally:(

Still, another day is nearly here and I am determined to wake up tomorrow and smile I know the debts are going to disappear and I am just going to keep thinking I must be more positive.:T

Snowmoredebt

Hi Planning ahead
I went through stages of feeling down to it gets better but i do still have those days.
Sending hugs x