I'm so impatient

NeverEnough

ms_london wrote: »

Does anyone else repeatedly check their spreadsheets just to look at them even though nothing would have changed? haha

xx

Yes, sad isn't it? :rotfl:Some days it seems a mountain to climb, especially as I'm between contracts at the moment and taking a break for 10 days till a job interview end September......I keep checking my balances and just wanting that debt free day to arrive sooner rather than later......

If only I had reined my spending in a bit years ago, but heyho, at least it's all manageable now and slowly being paid off!!!

mrsdarbs

OMG thank you all for your comments!! I have a huge smile on my face!! It's so nice to know that other people know exactly how I feel. I am definitely one of those spreadsheet eagles lol. I check mine along with my bank balance everyday! I have a cashflow forecast until Sept 2011 and I have another sheet to just show the debts and so I know roughly when they will be finished. Next year is looking a lot more hopeful for us as I will have finished paying my overdraft in Feb so that gives us £100 a month extra. And I think my son gets some of his nursery funded from about Jan time, which if it does will save us another £100 a month - fingers crossed.

End of 2012 is the biggie for us - we have two loans that finish and our car should be paid about easter 2013. Those three items will save about £700 a month for us!!

I think I'm stressing as we have decided to try for baby number 2 in a few months, I know I'm entitled to maternity pay when I go and I'm hoping to get a payrise in the next 6 months which will be good. Problem is hubby is in the army and we are due to move easter 2012 so just hope that either the stationery business has taken off (this is the ideal so I can cut down on nursery fees and work from home whilst being mummy to the little ones - feel so guilty working, but know I have to). If not I'm going to have to return to work in a new area and hope that whatever area it is the market isn't too bad.

I know some of you prob think we are mad to try for another baby given our finances, but it's really important to us to have a sibling for our son and that he is not an only child, especially with hubby's job as it takes him away and the moving means he looses his friends etc. We just want him to have another constant in his life and a companion he can share everything with and who is always there for him. We have saved everything from our son so the only thing we would possibly need is new clothes and bottles depending on how feeding went. We accounted for this in our forecast.

I don't want to cancel my credit cards (we have 5 in total :eek:, 3 are cancelled already), but the two halifax ones are still used, just odd things, like for food and fuel when the cash is low, but that's the reason I can't cancel. I am planning on having them both cancelled in the next 6 -8 months though as should have a couple of other debts paid off by then.