A journey of a 1000 miles must begin with single footstep....

Happytogetdebtfree

Haha it's been nice with Xmas tv and so fourth just like a bit of festive music on :-/ I find it bizzare that nil is here. Wow 24days and counting to debt freedom is the due to dates of direct debitsnor next wage needed I'm excited for you xx

If_My_Pennies_Were_Pounds

Well I'm saying 24 days as it gives me time in this expensive month to get there!

A couple of direct debits due out and will also get paid just before Christmas...although I should only need about £35 from my wages if the money my sister owes me clears in time, if not it'll be £135!

Happytogetdebtfree

How long have you been clearing debt? I am looking forward to that feeling of knowning next pay day will not be a lump sum on I o u's

If_My_Pennies_Were_Pounds

Only since June this year, but then I didn't really have much debt to clear...

Happytogetdebtfree

:-) well done for what you will have cleared it's all towards the greater good of teling the banks to politely go away :-) imagine when we are all debt free the banks will be begging for custom I'd sooner save than borrow again :-)

Woowoo

I can't wait to have my moment with Lloyds when my overdraft is cleared and I can go in and close my account

If_My_Pennies_Were_Pounds

When do you think that will be Woo?

Happytogetdebtfree

The thing is when younare finally out of the woods and making some savings that's when they offer you loans etc not when you need it it's when you done need it! So I hope you enjoy closing them
accounts :-) then you can lie and say no I don't need a 20k loan I have that in savings lol x

Kepp

So true Happy x

Happytogetdebtfree

Glad you can understand my terrible spelling haha, however it is annoying to know that help is there when you dont need it its only simply to get you back in the debt cycle rather than helping you get out xx