Daydreamimg of a debt free life!

Starry-eyed_surprise

I've just read your posts daydreamer and I am amazed at how well you have done. You have done brilliantly :beer: :beer:

Mrs_Sparkle

Blimey, what an achievement! You're an inspiration for those of us near the beginning of our paying-back period. Stick around and offer advice- it sounds like you know what you're talking about.

Phoenix79_2

£21k paid off in a year is fantastic! Well done old chap. Have a beer on me :beer:

Skint_Entrepreneur

Daydreamer...& Owesomuch, you have both done really well. You're still young men at 27 & 28 (I don't mean that to sound patronising, it's fact). At 41 I can tell you you will still have time to get back out and enjoy life. At your present rate you will be debt free as you're hitting 30 maybe 31. You will still be 1) young enough to be able to enjoy going out, watching the football with mates, going to the pub...whatever your thing is, 2) be wiser and have learnt from your errors, 3) be in a position to accumulate wealth to buy a nice car, house, whatever. Remember financial services make money for themselves and stuff you. They aren't the friendly face of banking or your 'Flexible Friend', they're faceless and their operatives are mercenary wage slaves and probably in debt too. By the time you are debt free I wonder whether it will be your current mates sitting indoors making excuses for not going out? I hope not but you'll both be ahead of the game! Stay strong, disciplined and focused fellahs and you'll be okay. Still plenty of time to get out and enjoy life! You've gotta make this thing work!!!

Verbatim

Hi Daydreamer,
have just caught your thread and think you've been so focussed and determined. Thanks for posting and stick around.

Daydreamer

Sassers wrote:

:wave: hello daydreamer - just popped in to ask how's it all going? Just wanted an update!
Take care
luv Sas x:T

Things going not bad been out of touch for a week or so, very tired from extra hours at work!! Worked the weekend, well at least I earnt money instead of spending it!!! Just about hanging in there! Looking forward to Christmas though as hopefully getting bonus from work!! Hope your hanging in there!
Finding it a lot easy to know that I'm not alone anymore! Dealing with debt on your own is pants!!! If I had the money I'd by Martin and you all a large drink!!!!
CHEERS!!!!

Daydreamer

Mrs_Sparkle wrote:

Blimey, what an achievement! You're an inspiration for those of us near the beginning of our paying-back period. Stick around and offer advice- it sounds like you know what you're talking about.

Thanks,
If you ever need some advice, please ask I will try my best to share my experiences and help if I can, there are ways around the EVIL banks!!! They try to keep you in your place and are quite happy to lend lend lend and tell you when it all goes wrong its your fault and that you in such terible debt they can't help you!! Well my advice is don't believe anything a bank says to you they all lie!!! Your credit rating probably isn't as bad as they would have you believe!!! look at my example I paid back one credit card balance and did a credit card shuffle!!! The banks had made out I was close to ruin!! Yet one of them gave me a increase in credit limit!!!!!!!! PLEASE ASK IF YOU THINK I CAN HELP IN ANY WAY I WOULD LOVE TO HELP YOU OUT WITH ADVICE IF I CAN!! Regards!