Frrreeeeddddoooommmmm!!!!!!

katmal

:j Dewdrop that's fantastic, well done.
It gives me hope, we're on the beginning of this journey and I feel ashamed and weighed down by the enormity of it all but to hear your news really does boost the spirits! :T
Kx
Btw, well done on the not smoking, the first 10 years are the worst apparently! I only have 2 more years to go until I stop missing it!

10yrsoldersaver

Well done drew drop!!:-) Im just dithering about using my precious savings (just come out of year fix) to pay off my two credit card debts...I feel sick..
but I know its the right thing to do (but dont we all)

rossal1

oh well done

you must have really worked hard

in terms of staying off the fags how about this for an idea

in an old jam jar put a little water and the dregs from an ash tray or a couple of snuffed out fags, every time you feel the need for a fag just open the lid and sniff and think thats what i will smell like if i have another fag.

i dont smoke so dont know if this would be an incentive but it would certainly turn me off!!

however if any one has a similar idea about chocolate i'm listening......:rotfl:

Nichelette

Congratulations, you've done brilliantly. I can't wait to be in your position!

savingwannabe

Drewdrop well done. And thanks for cheering us all up today too. I hope you are enjoying yourself. I am saving to do my house up. But afterwards i am going on the biggest holiday ever. One year to go!!!!

doodledo_2

Well done

drewdrop

Hi, thanks again x, still feels odd to be honest, not used to not worrying about money !

drewdrop

katmal wrote: »

:j Dewdrop that's fantastic, well done.
It gives me hope, we're on the beginning of this journey and I feel ashamed and weighed down by the enormity of it all but to hear your news really does boost the spirits! :T
Kx
Btw, well done on the not smoking, the first 10 years are the worst apparently! I only have 2 more years to go until I stop missing it!

lol lol:rotfl:, great its only been 2 years 8 months 5 days 16 hours and 54 minutes since I stopped, dont miss them at all then

Bunnyinthelights

I was trying to figure out how much you debt at its highest would be and it looks about the same as mine-I was at £52k at my LBM and am now at £38.5k. *sob* and thats 4 years later....

I do have 2 kids and all the trappings that go along with, never smoked, have been made redundant 2 times...its been GREAT! LOL

still jealous though-and still DEAD impressed.

drewdrop

'still jealous though-and still DEAD impressed. '
Nothing to be impressed about x. I just had head in sand for years and never looked at the totals, just the monthly payments. It took 3 months off sick to realise I was spiraling every month. I worked my total debt at over 10 ish years at over £50 grand inc interest but in reality I have probably underestimated. That does make me down at the thought of wasting so much money. My take home is around £2350 a month and it all went up in smoke in days with cc and loan payments. I am so careful now but still have my moments, I took out an Amazon cc at xmas as it was 9 mts interest free and I thought I would get a lcd tv (650 quid) and pay it off after my debts were clear, paying no interest, I didn't do do it but it shows how easy it is to revert to the habits that get you into debt in the first place. Long may I be Mr frugal lol x