Wanting to be debt free BEFORE retirement!

REDMADCURLS

Good to see you back PA - and its great your debt hasn't gone up!

Cialilerin

Hi PA, Where are you hiding? Hope you're doing ok, I know that I couldn't have kept on this debt-free trail without you!! x

planning_ahead_2

Cialilerin wrote: »

Hi PA, Where are you hiding? Hope you're doing ok, I know that I couldn't have kept on this debt-free trail without you!! x

Hi Cialilerin

Thank you:beer:

I am still here - and debt isn't going up, but it isn't going down either:(

I have a family holiday this month - which although there is no accommodation costs etc., is still going to cost in travel, days out etc etc. I have decided I am just not going to get stressed over debt busting this month. A couple of other things have cropped up as well (broken washing machine, tumble dryer, several family birthdays/anniversaries to name but a few). I've coped with it all and not increased the debt but haven't decreased the debt. That was seriously stressing me.
I was getting myself wound up and soooooo stressed - and in doing so ended up wasting more money because I started thinking 'oh what's the point - I'll never get there'. Have given myself a good talking too now:rotfl: The debt free date can slip a month or so.

I can't clear loads every month and have to accept that plans go awry occasionally - it's about learning to live with hiccups that this journey throws at me (us....although DH is still not really on board with all this:o).

So I am planning on being back on the DFW wagon at the end of July.

Glad to see you are still ploughing ahead with DFW life:beer:

Oh....and I did get the washing machine repaired...but who needs a tumble dryer at the moment...that one can wait for (hopefully) a few more months;)

grandma247

PA have you got an emergency fund? It is wise to get one started and fill it as quickly as possible. The recommendation is get it to £500 as soon as you can then add to it till it becomes 3 months normal outgoings. The £500 I think is to cover things like washer and boiler repairs. Things can and do go wrong and it seems to be when you can least afford it. Enjoy your holiday.

REDMADCURLS

I like the way you think PA - sometimes we just have to take a break from number crunching - and your debt hasn't gone up which is fantastic!

Cialilerin

Welcome back! I had a similar bad patch - although my debt went up!!! Fortunately I have come back feeling far more positive and despite going away for a few days next month and having 3 bdays in August and 2 in September, I am actually in control and have budgeted for everything!

By the way, my dh still not on board either x

REDMADCURLS

Keep chipping away Cialilerin he will get there eventually, says the woman who still wonders if DH has truely has his LBM

Cialilerin

Another example of parallel lives! Read your new thread last night and sympathised over the extra expenses like the broken washing machine.
Asked dh to put a wash on before he went to bed last night and he woke me up this morning with the loving words of 'the washing machines broken!' Guess that's why I love him!:rotfl:

planning_ahead_2

Came home today to flooded kitchen floor....dishwasher has gone wrong! Dishes were grubbier than when I put them in! I handwashed the whole load. Cleaned the filter, ran it on empty - only for the floor to flood again.

Still.....we can manage without a dishwasher....well an electrical one anyway cos we have ME

REDMADCURLS

Awh thats just pants PA, I would have cried!

The same thing happened to a friend of mine and the waste outlet for the dishwasher was blocked - they pour mr muscle drain cleaner down it and left it for a day - job done!

Give the paper plates or better still hide all the crockery and cutlery apart from one each, that should make them think about cleaning there own (I know I know I am tired and therefore thinking stupid thoughts)