Debt free by Summer 2012 (if not sooner!)

Kepp

DebtFree2012 wrote: »

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- on paper it does but we all know how life doesn't like following the paper!

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This is too true!

DebtFree2012

Good Morning all

It's Friday :j
Today I am shattered but I don't feel down with it.

Been SO busy at work I haven't had much chance to update and I really must update my OS thread too. I am still within my £100 food budget for the month need to check exactly what i have left and what I still need.

Good news also that Mam's still ok - no more episodes and she is expecting results today from yesterdays tests. Fingers crossed for something easy to treat and control.

Also a bit of good news - my new boss, who said I can resit the exam I failed, has said I can still have the team lead/management position. It's more than I expected as it's running the team but being line manager to someone too. However money hasn't been mentioned!!!

There's lots of red tape and politics so it won't be a quick thing. Bad news is as a result of that I need to be available after hours (can take time off for it) and it's going to interefer with my home life.

x x x

Skint_but_Optimistic

Well done you, remember that you need a work life balance. Pleased your mam continues to improve, things have turned a corner, all plain sailing from now, fingers xd x

Hovel_lady

Fingers and everything else crossed for your mum.
Tell them you'll take the job for an extra, say, £15k a year. You know you're worth it

DebtFree2012

hahaha, imagine that!!!!

needingaccountability

Glad to hear things have settled a bit with mum. Hope you can manage to strike a balance with the work situation, 'work to live' or 'live to work' is always a tricky one.

DebtFree2012

Tell me about it. I certainly will not let work take over (miss the kids too much) but I will do a bit if it means a healthier wage packet that benefits us all in the long run.

I've been thinking - these next 3 years or so are very important part of my life. Being in debt's made me realise I don't have a right to have things, I have to earn them and respect money. I have a new apprecitation for things you can't buy and now am giving alot of thought to the future.

When I am debt free - what will we do. Apart from a trip to disney land! LOL.

Skint_but_Optimistic

Like me you have realised your mindset is changed, and it makes you feel so much more in control.

Disneyland isnt that far away is it?

DebtFree2012

Wahooo - my captial 1 balance is ZERO!!!! They have completed the transfer to the BT card so no interest for 18 months and BONUS is that I allowed for interest this month and C1 haven't charged me interest as it's too early in the month cycle!! Therefore I have this month's interest being refunded to me and in my pocket soon!!!! £90 ish.

Great stuff!

You are totally right Skint.....mindset has changed. I don't mean I would trust myself 100% in the future with credit cards if in a shop and saw something I (thought at the time) loved....but I won't allow myself in that situation anyway. ie cash only for me from now on.

I am learning what I am all about and what is important to me. In fact, as I have said before, I think I will be a bit overwhelmed at first when DF as I won't know what to do with myself as currently all day every day is spent thinking about reducing debt.

Hovel_lady

Yay to zero balances :T