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

Woowoo

Yeah the banks had better watch their backs in 2011 lol!

Kepp

Ha ha, we sound like the !!!!!! :rotfl:

Kepp

I can't believe it blocked that word out?????

Woowoo

I'm trying to guess what it is? Do it again with only a letter missing?

Kepp

m_fia

Woowoo

OMG why would they block that out lol!

Happytogetdebtfree

Ah woowoo i have an unrealistic budget but id rather live in denial and take the punches slowly than feel like its one big epic stretch sometimes the mse budget is crazy because i never budget for emergencies i deal with them when they come i dont have emergency savings life does just work out woo we will be out of this mess if that means we have to help each other out then so be it dont feel disappointed feel proud of yourself really do you have accepted that something needs to be done and it will be gone soon enough nobody knows whats round the corner pay rises bonus;s inheritnece lotto wins thats what im expecting im not going to plan for potential problems im goint to expect the best xxx

Woowoo

Thanks Happy, I don't plan for emergencies either, they will just have to be added to the budget if and when they arise!

Lets both keeping hoping for a lotto win

Happytogetdebtfree

definatley im hoping oh gets a good bonus so we can be well on our way xx

Lemon_Tree

Woo i'm glad you've set yourself a realistic budget so that you can do the overpayments if there's any available each month. It will keep you going.
It's hard to extend your DFD but i think that unless you're realistic then you set yourself up to fail and then give up and never do reach the end. I think what we all forget the most is that without all the hard work and effort that we're currently putting in we would probably live our lives forever in debt and it would never get sorted. So any date is better than no date and what we initially pick is arbitary anyway.

Well that's my two penneth's worth, and no you can't pay it to Lloyds !