Stop being a Wimp!... DMP Journey

Fortune_Smiles

How exciting Ellie - I'm made up for you

Fortune x

CP2016

Ooh Ellie, so close now. Cheering you down the home straight. :j

crunch_time

Just read your diary! You have done amazingly well you should be so proud of yourself. Rooting for you all the way to the finish line xx

LauraB89

Go Ellie! You're amazing! xxx

stepuptothepl8

So good to hear an update, it gives me hope that one day I'll be posting my own '8 weeks to go' post. So excited for you!! xx

[Deleted User]

That's wonderful, Ellie:T. No wonder you're feeling giddy:rotfl:


It's fantastic to be able to count the time left in months but when it gets down to weeks (and only 8 at that) it must be mind-blowing.


Can't wait for your update next month, you'll be really giddy by then and so will we on your behalf_party_:dance:

Ellieseleven

Thank you for all your lovely comments and yes, the finish line is in sight...who would have thought it in July 2010:o

I usually set my goals for the coming year and for 2017 they are going to be slightly different:

*Pay the remainder of our debt by March 2017

*From April onwards I want to move at least half of the monthly payment that I was making to SC into a savings account.

*Spruce up the house and replace some of the things that are so worn (you would not believe how threadbare some of our bedding is:o)

*Draw up a plan for what happens next - becoming debt-free has dominated my life for over 6 years, I will continue to live within my means but the focus will change. I think rather than debt-busting, I will put my energy into saving:cool:

*Book a holiday:eek: ...am I really writing that??? I intend to go and have a look around at properties but not until later in the year.

*Budget for Christmas using my usual £2 method.

...and I almost forgot - I will reach that elusive £1,000 emergency fund!

...but for now, it's January and our worst period of the year moneywise. The freezer is stocked up well and I don't have to go shopping for anything other than essentials.

I find myself reflecting on the last years whilst on our DMP and even though it has been hard and sometimes seemed impossible, it has been the best thing that could have possibly happened for us. I really didn't want to go onto a DMP but now with hindsight it means that I have choices for the future, I don't have a feeling of dread as I move towards retirement and I have much to look forward to:)

Take care everyone and keep going with your own dreams for the day you will be debt-free, it will come and you too will be as excited as I am;)

Ellie xx

boxofpaws

Hi Ellieseleven,


I came here to find you after you kindly posted on my thread - '£45k debt - how?' I read your first post in 2010, and skipped to the happy ending. I cant believe how well you have done! Debt free by March, that must feel amazing! You are an inspiration.


I have subscribed and I already cant wait to read the post when your well-deserved Debt Free Date arrives


Boxofpaws

jodles16

Yay Ellie such amazing factastic news!!! Hurray!!

Jodles

Ellieseleven

boxofpaws wrote: »

Hi Ellieseleven,


I came here to find you after you kindly posted on my thread - '£45k debt - how?' I read your first post in 2010, and skipped to the happy ending. I cant believe how well you have done! Debt free by March, that must feel amazing! You are an inspiration.


I have subscribed and I already cant wait to read the post when your well-deserved Debt Free Date arrives


Boxofpaws

Hello Boxofpaws,

It's been a long time coming and at times seemed that it would never end but I have never waivered that it would all be worth it in the end.

I have a bright future without the burden of debt to look forward to;)

It just takes determination and a belief that you can reach your goals and anything is possible.

I wish you well with your own battle with debt, it won't always be easy but the rewards are worth the fight:)

Take care
Ellie x