No more debt.....or choc!!

Choc-addict

Hey,

Feeling very relaxed and rested after a lovely evening out last night with OH. Cinema and Nando's dinner (curtosy of OH). Went to see Shatter Island, very good. Had me a lovely ladies day today, plush hotel, champagne tea......lots of cakes Not so MSE ways but very much needed

So, luxuries over back to serious MSE ways. Going to try and sit and work at a budget of some sorts. Hate money :mad:

Another £2 in change today so will put that away and update totals in a moment.

Nothing else to report, aiming for a couple of NSD's now to counter today. Off to see a friend on Thurs so have the day off and i'm going to try and see if I can get Fri off so that OH and I can spend the day together.

Off to read some threads and catch up,

Hope everyone is well x

Choc-addict

Random ramblings to myself.....trying to figure things out.......

How do I fing the right balance??? Currently in a bit of a confused state of mind. I have a house to save for (moving costs, decorating etc)....debts to pay.....a future to save for i.e. way down line....having children..... aaarrrgggh......choc is a confused girl.

I'm thinking small baby steps towards everything really, but then again i'm an impatient so and so and want everything sorted at once How do I find the right balance?

Need to sit and think, but not now, time for an early night me thinks!

Night all x

penelopedee_2

Hi Choc-addict, I hope you had a good night's sleep and feel a bit clearer this morning.

You are doing really well and your debt in your signature looks to be a managable amount if you are working. Just keep chipping away at it
It would be nicer for you to be debt free before you have the worry of the house expenses.

Glad the girly evening went ok and well done for OH treating you to a Nando's. I'm jealous, that is my fav but the nearest is miles away from us.

OrangeFairy

I know where you are coming from Choc...i want everything done NOW! But i know it won't be possible! The reason for wanting to get married abroad is a lot to do with wanting a house. If we get married here we are looking at over 3 times the cost. So means we will need to get debt free , save for a couple of years for a wedding before saving for a house deposit! :eek: This way we can get married next year and spend a few months paying off the last things we owe and then it will be saving for a house deposit straight away.

Plus i am still in two minds whether to have a third child. I want to pay everything off quick so that money isn't an issue in our decision. Also want to be married for our last child if we have one!! Too many things and all need money!!!

***edited to add i am really pleased you enjoyed your girls day!!***

Choc-addict

Hi guys!

Hope everyone is having a good day, feels as though i've never left work but at least i'm working from home

Pen - unfortunately the debt listed in my sig is just one debt of many, too scared to add up full total but think it's something in the region of 40k. Luckily when the problem arised (less income than outgoings) two and half years ago I took action and intially was on a dmp with payplan and then a year ago took over dealing with creditors myself. I've paid off over 20k in just over two years and still have arrangements set with creditors with reduced or no intererst so I am in a good position to pay them off eventually. It's just been hanging around for so long it gets depressing and I have so much to think of/coming up in the future i.e. house, kids and marriage if OH propose - all things that scare the hell out of me financially :eek:

That said I have a very supportive OH who is debt free and thankfully was able to get mortgage in his own name for us (my credit rubbished!) and is lovely and supportive. I would never ask him to pay off my debts as they were pre him and majority through an ex who left me with 1000's of debt (all in my name) - lets not even go there :mad:

Anyhow lovelies, i'm not going to let it get to me. I just need to take baby steps to achieving all of the above and really get this dealt with, if that means working every weekend then so be it - short term action for long term gains hopefully

Kel, totally with you on what you are saying. You are doing so fab and you will get there, as will I. Seems we both want simlar things but are both equally as impatient

I'm turninig 32 this year and would really like my first little one soon as we would like two, i'm (and OH!) are thinking get house etc out of the way this year (hopefully) concentrate on my debts some more and perhaps think about little ones towards end of next year.....that said something always happens doesn't it.....i'm keen climber, walker, doing kayaking course this year and so on.....part of me doesn't want to have to give that up to become pregnant - not sure i'm ready to give up my being able to do what I want when I want......grrrr....decisions decision.....that said time isn't on my side either - why is nothing every simple eh?? Oh and i'm hoping for a proposal from OH at some point during this period :rotfl:;).....i'm not one for badgering as I want to know 'he' wants to get married if that makes sense?, if he wants to marry me then he can make the effort and suprise me!!!

Anyway, enough ramblings from me. Have been giving everything thought and all needs baby steps and attention. The main thing is to bring in as much money as possible and cut back on expenditure - that's the crux of it all right now. Life may be all about work this year but hopefully come next year the rewards will be worth it

Have a good day xx

OrangeFairy

I hope you get a very romantic propasal!!

Last May OH and I were sitting in our tent watching the kids playing and we were talking abount the future. Marriage got brought up and he commented that he thought we were fine as we were and didn't see the need for marriage!! I was DEVASTATED!!! We have been together 8 years (7 at the time of this convo) and it had always been the thing that we would get married when we could afford it! We drove home from camping and i felt in such a state...i kept blinking back tears as i was really upset but didn't want to make a big deal of it. He said if i really wanted to get married then we could!! Not what you want to hear really!! Took a few weeks of feeling pretty down before i put it to the back of my mind. Then december 09 we had his work do. After dinner he kept nodding discreetly to me to go up to the hotel room we were staying in. (i thought it was for something else and was a little on the bloated side for that!) So i agreed and we went up the stairs and into our room and it was done beautifully! There were fairly lights wrapped over the 4 poster bed, my fave toffee pennies on my pillow, flowers, candles , chrismas trees, champagne flutes with smirnoff ice in and battery powered tea tree lights! And he proposed. He said he had been planning it for quite a while!!

I am sure everything will work out perfectly for you. You have done so well with your debts and what you have accomplished so far!!!!

My plan is also to have a year of sacrifice...as in just a couple of small camping trips , not going on loads of days out or treating ourselves and lots of work!!! I am sure we can pay off everything except my loan by next summer at least. Then we can just throw as much money as we can at the loan. I reckon we could shift that in about 6 months of overpayments next year! Fingers crossed!

xx

Choc-addict

littlekel wrote: »

I hope you get a very romantic propasal!!

Last May OH and I were sitting in our tent watching the kids playing and we were talking abount the future. Marriage got brought up and he commented that he thought we were fine as we were and didn't see the need for marriage!! I was DEVASTATED!!! We have been together 8 years (7 at the time of this convo) and it had always been the thing that we would get married when we could afford it! We drove home from camping and i felt in such a state...i kept blinking back tears as i was really upset but didn't want to make a big deal of it. He said if i really wanted to get married then we could!! Not what you want to hear really!! Took a few weeks of feeling pretty down before i put it to the back of my mind. Then december 09 we had his work do. After dinner he kept nodding discreetly to me to go up to the hotel room we were staying in. (i thought it was for something else and was a little on the bloated side for that!) So i agreed and we went up the stairs and into our room and it was done beautifully! There were fairly lights wrapped over the 4 poster bed, my fave toffee pennies on my pillow, flowers, candles , chrismas trees, champagne flutes with smirnoff ice in and battery powered tea tree lights! And he proposed. He said he had been planning it for quite a while!!

I am sure everything will work out perfectly for you. You have done so well with your debts and what you have accomplished so far!!!!

My plan is also to have a year of sacrifice...as in just a couple of small camping trips , not going on loads of days out or treating ourselves and lots of work!!! I am sure we can pay off everything except my loan by next summer at least. Then we can just throw as much money as we can at the loan. I reckon we could shift that in about 6 months of overpayments next year! Fingers crossed!

xx

Thanks Kel.

Wow, that sounds SO romantic - nothing you didn't deserve i'm sure....did you cry? Think I would have, how bless. I wouldhave been the same as you with holding back the tears etc after your talk in the tent - thing is there is no pushing them, they have to do things (as important as that) in their own time. I'm hoping OH will propose, he's quite good with surprises in that he takes us off romantic cottages in winter in Snowdonia, he's sweet like that. Having said that I think marriage scares the hell out of my OH....we shall see, he's quite a traditionalist. I'd like to get married but at the end of the day (from some bad times/experiences last year) being happy is the most important thing to me in life now - everything else will fall into place in time I guess.

I like your idea of a year of sacrifice - will be joining/supporting you on that one! I LOVE camping, we are off up to Scotland for a week at the beginning of June and stopping off in Snowdonia on way back down for our kayaking course - that's if for hols for us this year. Think we may do adhoc camps down at Portland for climbing and perhaps some weekends in New Forest.

Will be routing for you to clear those debts - lets keep eachother on track!

OrangeFairy

Sounds like your OH is very romantic...he's a keeper!

i didn't full on cry - but had to keep wiping my eyes!!!

I definitely think we can keep eachother on track! Just did my snowball on my minimum payments which gives a date of May 2013. This is leaving room to save for the wedding next may (ish) . So next May we will then have more so save towards debts. So i think end of 2011 early 2012 is a good estimate! Hopefully if we are able to up our income it will be sooner!

debt_obsessed

Hi there - I've been a secret reader/subscriber of your diary since the beginning and just wanted to say you are doing really well. We're sort of in the same situation (I'm 32 this year, had about 30k debt) and am currently saving to get a place with the OH. I just wanted to mention this as it's really helped me out - if your credit report is shot (mine is with defaults) have you thought about going down the unenforceability route? It's not for everyone, but I've found out that all my debts are unenforceable so I've stopped paying them (saves me 1k a month!) - the thread by never-in-doubt has all the details and he is amazing!

anonymoose_3

Hi choc I've been to Cadbury World today, got you a virtual pressie *passes choc lots of chocolatey goodies*

Choc-addict wrote: »

Oh and i'm hoping for a proposal from OH at some point during this period :rotfl:;).....i'm not one for badgering as I want to know 'he' wants to get married if that makes sense?, if he wants to marry me then he can make the effort and suprise me!!!

That's exactly how I feel with my OH, someone once said if it means that much to me I should ask him but I don't want him to feel pressured into it iyswim?

littlekel wrote: »

So i agreed and we went up the stairs and into our room and it was done beautifully! There were fairly lights wrapped over the 4 poster bed, my fave toffee pennies on my pillow, flowers, candles , chrismas trees, champagne flutes with smirnoff ice in and battery powered tea tree lights! And he proposed. He said he had been planning it for quite a while!!

That's soooooo romantic (I'm a slightly jealous Moose :rotfl:) my dream proposal is the Monica/Chandler one
When I my ex proposed it was a "do you really want to get engaged, oh ok then" kind of thing. Glad that never lasted :rotfl:


xx