The Debt Monster Must Die!

Keebs

*enter Keebs, singing at the top of her voice*

... Let's make it feel like the first time and start from now. Tape over the memories of last time but learn somehow…


C’mon, join in :j


We’re down to our last chance now…


No? Well OK, your loss though

Seems being totally rookit has one or two advantages. Plenty of free time to spend singing along to your favourite albums (as loud as you like) for one , or (for the quieter moments) time to reflect on certain erroneous spending decisions


One thing I’ve realised is just how much I’m enjoying everything I bought. Newton’s album, well, that boy is genius (if you ain’t got it buy one - heck, buy both!) can’t put into words how much pleasure his music gives me. Everything else is getting regular (if not daily) use too, not one thing languishes unloved and unused which is quite possible a world first for Keebs :T


So, maybe (just maybe) I’m starting to spend a little wiser.

Anyway, Payday tomorrow so I’m off to sing along to Mr Faulkner, illuminated by the finest daylight bulb and wait for intellichef to signal that dinner is ready. See ya…



...Oh, please just run away with me, oh pleaaese just give me fields and trees…

Mags_cat

::backs away from the computer slowly::

Has someone given you coffee? Or sugar? :rotfl:

Keebs

Mags_cat wrote: »

::backs away from the computer slowly::

Has someone given you coffee? Or sugar? :rotfl:

Ahem, yes, was a little hyper yesterday and really (incase you missed it) enjoying some tunes. Am not prepared to commit myself but there may have been some involvement of caffine, sugar and erm... maybe even some chocolate :EasterBun:o:p:rotfl:



(Am better now, promise, please come back :cheesy:)


Had spent a good part of the day reminiscing as this time last year I was just starting out on a 3 month trip through SE Asia. Indeed I was just heading through Battmabang, Cambodia learning how to make Lok Lak (but failing to extract fab smoothie recipe ) in the Smoking Pot, descending killer stairways down mountains, riding the norrie train… *sigh* and just about to head off to Siem Reap which (unbeknownst to me) was sitting 3 foot under water (Temples included) following the worst storm in 30 years :eek:


It really was an incredible adventure and I may have gotten a tad emotional thinking back on it all. Sorry. One of the biggest lessons I learned on that trip was how to appreciate what I have in the here and now, an appreciation that had become a little lost of late. However, it’s back for I have dug it out, dusted it down and (as personalising the intangible appears to help my quest in life) it's currently snuggled at my feet ready to accompany where so ever I may go :cool:


Am off to sort out car insurance, made a slight boob in my calculations (forgot I was starting saving half way through the year :doh:) so won’t have enough money put aside to cover it. Will formulate a plan of action and then return to update current financial status.

Mags_cat

::am still here, just under the table::

217 days to go 'til I set off for Vladivostok!

Not that I'm counting, you understand. Ahem.

Keebs

Mags_cat wrote: »

::am still here, just under the table::

217 days to go 'til I set off for Vladivostok!

Not that I'm counting, you understand. Ahem.

Understand perfectly

If it helps any, 217 days = 5,208 hours = 312,480 minutes (er forget seconds that just makes it look like ages away). T'will be round in a flash :T

Keebs

Update on my current (negative) wealth:

Amount owed - [STRIKE]£20,970.85[/STRIKE] £11,508.48

Amount paid to date - £10,105.70 (£9,462.37 debt reduction, £643.33 interest )

Percentage paid – 45% :T


Savings for holiday - £908.99 (target £1800)

Only £231.86 paid towards debt this month, the rest has gone towards savings. Although, it was a close call as I had just enough to make the (oh so very tempting) 50% paid mark. However, in the end I put some towards the car insurance so 50% out of reach at present.


And that's that. Roll on next payday :rotfl:

Keebs

Had a bit of an expensive start to the month which has left me with a measley £2 worth of personal spends to see me through to payday. Good news is that 8 days on and I still have that £2. Still have plenty left in the grocery, petrol, and pet budgets so am hopeful that £2 may still be there at the end of the month.

Have also realised there’s one rather important thing I haven’t budgeted for – professional registration fee :doh: Clearly my subconscious is confident I’ll win the lottery before January then :rotfl:(although, someone needs to tell said subconscious that one needs to be in it to win it as it were and currently we (subconscious and I) are most definitely not in it)

In addition to the above the old monster has been asserting his powers again, currently hankering after a trip to one of the European Christmas Markets (apologies for use of the “C” word). Trouble is I am super keen to take him, think Stuttgart or Krakow would be quite, quite beautiful.

Am struggling a little to make a decision. On the one hand I’m supposed to be debt busting, on the other well, (cliche queen alert here) you only live once. I would earn enough extra in November to pay for the trip without using credit or reducing my snowballed payments, so it wouldn’t step me back any (just delay a step forward).

Aaaarrgh, I just don’t know. I read so many diaries where people are struggling to make ends meet day to day, scrimping and saving every penny they can to reduce their debts, and it feels obscene to be even thinking of this. But then I am lucky enough to have surplus cash, so is throwing it all at the debt the right thing to do? Will I then have to throw everything at the house deposit? Then the furnishing of said house?


At what point can I stop and enjoy what I have and where I am?

And the most frustrating thing?

This whole darn situation is all my own fault :mad:

Keebs

Oooh just read back post. Makes me seem just a teesny bit angry. Am not though, honest, just a little bamboozled and frustrated at a situation all of my own making :rotfl:

Happytogetdebtfree

Hi keebs, that makes total sense when can one stop seeing finances as the main objective in life and when can we start having a life without feeling like we have chopped a hand off.... getting debt free is the main aim forme at the same time having a life is too if i dided tomorrow would i have regrets, yes that i made myself suffer so much about paying debts when i can enjoy both so that is what i choose to do tomorrow that may change : xx

Keebs

Happytogetdebtfree wrote: »

Hi keebs, that makes total sense when can one stop seeing finances as the main objective in life and when can we start having a life without feeling like we have chopped a hand off.... getting debt free is the main aim forme at the same time having a life is too if i dided tomorrow would i have regrets, yes that i made myself suffer so much about paying debts when i can enjoy both so that is what i choose to do tomorrow that may change : xx

Hello and thank you for such a calm and reasoned post. Moderation in all things, makes perfect sense, not sure quite why I feel so guilty (or worry that my spending patterns may offend people :huh:).

Think I need to start treating this as a life change rather than a debt busting spree, that way (I sincerely trust) I'll be less likely to slip back into my old ways once the debt has gone