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

Lemon_Tree

when i'm DF i'm already planning to start saving 3 months joint salary, legal fees so we can move house and my favourite the OMG account for emergencies lol

retiredandskint

Woowoo wrote: »

I'm scared I will slip back into spending mode all too easy and enjoy it far too much!

Still don't need to worry about it for a few years yet lol!

Unfortunately slipping back into debt is sooooo easy :eek: I've done it a few times and should know better. We were earning enough money and debt wasn't a problem the first time, until interest rates jumped up to 15%, yes 15%. We got over that one and life was comfortable again. Money coming in got complacent and then redundancy hit. This time has to be the last for us. We can pay off OH's cc next month (we have some money coming) with a small surplus. A plan then needs to worked to make sure that all debt is cleared by OH's retirement date so we can have a reasonable standard of living and a few holidays of course.

Woowoo

£2 to Lloyds this morning

DebtFree2012

oooooh how exciting! It's thoughts like this that pick me back up when i am thinking of "what's the point - I will never clear it" and such like.
Loving everyone's ideas.
For me personally I will save for then buy a new car. With £800 a month spare I hope to do this after a few months as won't be getting a new new one, just newer than my current bless it. I have serious worries mine won't see me to DF date.
Definitely having a blow out the first month but who knows, maybe my new found ways will stop me as it's ages away yet lol!
Also I want to take the family to florida, diney land and DH to New York for his 40th (9 years time) so will need to save for that as it'll be a absolute spend what you like holiday - once in lifetime for us.
God I am going to be skint again!

x x x

Woowoo

I really want to go to Florida as well! And I want to save for a Fiat 500

I think I will always be a spender at heart, just need to stick to spending my own money then it doesn't matter!

Kepp

I think I'll be both saver and spender - going to save loads cause I'm going to want to be able to spend loads in one go!

Kepp

And must stop planning so much in advance - there's a place in Limpopo that looks AMAZING and someone I know is there at the moment, can't stop looking at it...I WANT TO GO!

Woowoo

Where's that Bec's?

DebtFree2012

Sounds lovely and chilled wherever it is......!

Woowoo

I think it's South Africa? Having just googled it!