£1 loan payments, orangutans and learning it doesn't all happen overnight...

Kepp

I'm sure the result will be worth it but I am very nervous

Also, feeling a bit guilty money wise, although OH, my Mum and others have all agreed it's a good plan.

Emzilla

beccie wrote: »

Another £1 to the CC

Went for the laser consultation on Friday and have decided to go for it :eek:

You'll be fine. Like I say, if my wimpy OH can do it then I'm sure there's nothing to worry about .

Emz xx

Kepp

The guy doing the consultation did also assure me that many wussy people have survived :rotfl:

Kepp

Still plodding along with just a little £1 to the CC

I'm going over my spreadsheets and I have gone from a couple of months ago thinking I could adjust my DFD to Sept to now wondering if I should extend it to Dec...

Emzilla

beccie wrote: »

Still plodding along with just a little £1 to the CC

I'm going over my spreadsheets and I have gone from a couple of months ago thinking I could adjust my DFD to Sept to now wondering if I should extend it to Dec...

I would say if your figures are still working out, then stick to October for now. Just see how you go. You know you will be debt free before the end of the year anyway .

Emz xx

DebtFree2012

Leave it as it is hun - mine fluctuates but I leave it alone. When you are a month to go - then see what happens. For now, plod on xx

Kepp

I defnitely won't be giving up! Just my current DFD relies on me making payments of approx £1,200 a month. My take home from my main job is £1,375 so making those kinds of payments relies heavily on me being able to really cut back after rent, bills etc and how much extra work I do.

The last couple of months I have had a couple more nights out than normal and worked a few less shifts and those changes have really reflected in what I pay back as it has been closer to approx £1,000. I've also had extra costs in trying to get this craft thing going.

But I have felt so much better for it! Back when my debt was costing me around £500 a month in interest I felt like I had no choice, now it's not incurring anything it does feel like I can have some slack. I'm defnitely still on course for the end of the year and becoming debt-free is still so important to me, but I think I've reached the end of the line at the rate I have been going at, which I suppose after just over 2 years is not surprising.

I know the plan was to jet off to Africa debt-free and it's a shame that may not happen but I think not feeling stressed all the time is also important. A little bit of free time and working on trying to get a business going seem to be far more appealing right now

I have discussed it with OH and he agrees, although he thought I should pack the pub in altogether which I thought was a bit extreme!

Sorry rambling now Anyway, you never know, I am helping my Dad claim his PPI back and if successful he has said he will give me some of it, plus if the 2 craft fairs I have booked for June go well I may be more on track for October than I previously thought

mrsb83_2

I feel the same as you Beccie! I can feel myself getting less focussed on debt busting and becoming more relaxed with spending. I'm glad actually, because I know this has now become a way of life.

I've been able to move my DFD to September but that's thanks to a payrise, not any real hard work. Wishing you an early DFD!

DebtFree2012

Tht makes perfect sense hun and it means we get to keep you longer

xxxx

Kepp

mrsb83 wrote: »

I feel the same as you Beccie! I can feel myself getting less focussed on debt busting and becoming more relaxed with spending. I'm glad actually, because I know this has now become a way of life.

I've been able to move my DFD to September but that's thanks to a payrise, not any real hard work. Wishing you an early DFD!

That's it. I'm still not overspending or going mad and I am still paying a good whack. I just want my life back a little bit

DebtFree2012 wrote: »

Tht makes perfect sense hun and it means we get to keep you longer

xxxx

That's lovely of you DF :A



£6 to the CC

What a lovely sunny day today as well