If My Pennies Were Pounds...

If_My_Pennies_Were_Pounds

That's if it all works out Becs! But I do think it seems like a perfect DFD, a chance to start over, new year, NO DEBT :j

I will still be here to encourage you all though and this diary will continue on as a savings diary...I don't see the point in starting a new one, that way I can stay with you lot and not be throwing it in people's faces that I will be debt free.

Plus, I don't want you lot slacking off

Woowoo

I can't even begin to imagine what it must feel like to be facing 2011 DEBT FREE!

I'm not even sure I would be able to sleep at night for excitement if I was you

If_My_Pennies_Were_Pounds

I could barely focus on anything but that yesterday! I don't think I did much work as all I could think about was getting the figures down and trying to be debt free by Christmas!

In all seriousness though, if I do become debt free it isn't much of an achievement. I started in June, fell off the wagon and started to focus on it in August. I've only had just under £1100 to shift, which is nothing really, I should have cleared it in like 2/3 months not 6...

cakelover_2

Hi Pennies
Have just come across your diary and I wish I had of seen it sooner. I've just started my own diary and have started reading others too, only there are so many and they are so long I can't keep up! lol.
I just wanted to say I think it is fab you have got £1100 down in 6 months! If I can do the same, I will be chuffed! Fingers crossed for getting your debt rid of by 2011!
CL

Woowoo

If_My_Pennies_Were_Pounds wrote: »

I could barely focus on anything but that yesterday! I don't think I did much work as all I could think about was getting the figures down and trying to be debt free by Christmas!

In all seriousness though, if I do become debt free it isn't much of an achievement. I started in June, fell off the wagon and started to focus on it in August. I've only had just under £1100 to shift, which is nothing really, I should have cleared it in like 2/3 months not 6...

Debt is all relative to the individual and their earnings Pennies, so you shouldn't knock your achievement x

If_My_Pennies_Were_Pounds

Yes but with my wage I should have cleared it much sooner, the problem is I wanted to have a life and live at the same time so I still ate out etc when it could have gone to the debt...oh well when it's all cleared I doubt I'll be thinking about it anymore!

cakelover_2

It's about finding the right balance though. I'm sure I will be the same as you, doing things such as eating out when that could have gone on the debt, but if I don't have any kind of life till my debt is paid, I will be more likely to fall off the wagon. You have still been very focused from what I have read of your diary so far so I am sure you will have paid it off quicker than if you had just been paying the minimum. Be proud of your achievement you have done well.

If_My_Pennies_Were_Pounds

I must admit I've been a little naughty...as I mentioned at the beginning of my diary, I have been saving at the same time as repaying my student loan.

My VSP and £2 coin pots are obvious proof of it although my total is higher than those combined...I'm not going to unveil my total until I'm debt free though as I hope to both pay off the debt and put a large chunk in to my savings by the end of the year.

Is that really really naughty?

Kepp

Never ever knock your achievements

We all buy things we shouldn't and do things we shouldn't along the way - it's all part of the road to debt freedom!

If_My_Pennies_Were_Pounds

I just feel that compared to some of your totals mine is not that great

Am aiming high in savings for 2011...OH has £3000 in savings already, need to beat that I think!