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

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Comments

  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    The extra payment is top stuff hun!

    I would also totally agree on giving yourself some spending money, you have done so well already and at the moment you need a bit of cheering up :)

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
  • EB69
    EB69 Posts: 878 Forumite
    Indeed Woo - you do so well, a nice little treat is the perfect pick me up. And no doubt you will think carefully about whatever treat it is to get maximum benefit from it (as opposed to me - I'd end up in nearest champagne bar and get sozzled and not even remember if I enjoyed it!!!!)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Thanks guys, I'm not falling off the wagon, just cutting myself some slack!
    LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)

    Barclays: £2,928.34 Lloyds: £2,499.60
    MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00

    Surveys: £6.60/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Very glad to hear you are cutting yourself some slack honey! x
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • LittleMoog
    LittleMoog Posts: 2,392 Forumite
    I think that's a good decision woo, you can only cut things to the bare minimum for so long before you have to let yourself have something too, both in terms of physically needing to buy stuff and being able to stick to dfw ways in the long term :)
    Little monkey born November 2012:j
    Froglet due March 2016 :D
  • Herewego
    Herewego Posts: 2,541 Forumite
    I couldnt agree more with giving yourself a bit of treat money, you know I have done exactly that and I am a happier HWG than before cant wait for girls night out Friday and the following weekend we have a night away. All been done on the cheap but i guess its what you make of it.
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    Woo i think you're doing something good by giving yourself some slack, there's nowt wrong with just plodding for a little while, when you're ready for the uber fight then we'll be here to help you as well. We'll be more than happy to help you spend if you want as well :)
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Sometimes I think we have gone from one extreme to the other.

    Life IS for living and yes we must spend some of our living is paying debts off but there has to be a little give and take too. Everything you buy now Woo will be treasured and enjoyed and thats priceless. Frivilous spending is not good but spending to nuture that give and take part of living is very very necessary.
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    I agree with everyone Woo - you deserve to cut yourself some slack, if it wasn't for you and your diary I don't think I would have joined :) xx
    Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 1
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Morning guys

    Thanks for the understanding and not beating me with a big stick, however if you see me being really slack I would appreciate a massive kick up the !!! as this debt is not gonna clear itself after all!
    LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)

    Barclays: £2,928.34 Lloyds: £2,499.60
    MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00

    Surveys: £6.60/£40.00
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