Losing 25lbs and Gaining £25k all by Aug 2013......EVIL DEBT

garfield44

Helloooooo,

Well thats another payday come and gone - 29 days till DFD now. Oooooohhh its coming down soooo quickly. I think I worked it out at 914 days!!! LOL :rotfl:

So that isnt that long away - is it?!

I received a cheque for £40 today for some extra work I have done so must pop it into the bank tomorrow. I can then use it to pay extra to CC :T

Paid off OH on Friday so I am delighted with that. Only 3 debts now, 2 loans , 1 evil cc.

Car filled up, lunch made for tomorrow, fridge full and am happy.

:beer::beer::beer:

DebtFree2012

Good morning hun!

What a great time for you (in a weird eing in debt but getting out of it sense!). Pay days are so looked forward to and then they go in an instant don't the.

Congrats on having 1 debt less - that is inspiring

When you are DF what are your plans? Will you just save the cash or will you have an initial treat?

x x x

garfield44

Hey DF,

Hope you are having a great day

Ooooooohhhh how I dream of what I will do when I am debt free!! lol!!
Firstly I would really really like to treat my OH to a trip to Australia. I reckon once debt free I should have £1000 free per month so that shouldnt take too long to save up for.

I am 30 aswell so i am also 50/50 at the moment about whether I want children. I dont with this debt hanging over me as TBH I couldnt afford to go on maternity leave without questions being asked by my OH!!! Therefore that is another reason why I am determined to beat this debt this time and I have minimal time to do so.

How about yourself? Whats your first plan when you are DF?

x x

silvasava

Hi Garfield & DF - Just wanted to say well done to both of you. First for acknowledging the amount of debt & then for taking responsibility. It will be a hard slog at times but I've been there & worn the Tshirt! You will achieve your goals & once you are debt free you will never want to be in that situation again. I only wish there had been a site like this when I was in deep SH*t, but I did manage to get out & could never ever go back. My little mantra now is 'it may only be a pound - but its MY pound'
Go Girls!!!

rachelww1

Nice plan Garfield :cool:

I will have about the same left a moth as you. I'm aiming to go to the caribbean for my 45th, which will give me 4 years to save up for it after my DFD. I'll take the 2 youngest, and I want it to be a deluxe once in a lifetime holiday. I've waited this long, so whats a few more years . Should have a nice load of savings by then too :T

mummytogirls

Hi Garfield, just found your diary and had a quick skim through.
I can totally sympathise with you not telling OH. I hid my secret from DH for over 2 years :eek:. I was naughty though as some of this did affect him as our joint account kept going overdrawn . It all ended up getting too much before Christmas I was always anxious when the phone rang and I was always in a rush to get to the post before him and it all came out on the 12th December.

If you ever need anyone to talk to you know ive been in a similar situation before. I am so not proud of it and the thing is I was trying to put food on the table for him and our children and one thing after another ended up in £20k worth of debt!!

Well done on how far youve come xx

The_Dragon

Sounds as though things are going well Garfield, hopefully as the months progress it will get easier and easier!

garfield44

Hi Everyone,

Thank you all very much for all the positive replies. Sorry I havent been about much I just have been so busy this last week!

Well its 21 days till payday!

On the plus side I have my holidays coming up in about 6 weeks Nothing planned yet but I hope to save up a little and maybe go away for a couple of nights. I have about £60-£70 in t*sco vouchers so I need to have a look at the rewards to see what I can change them for and make it a MSE holiday :T

The_Dragon

garfield44 wrote: »

Hi Everyone,

Thank you all very much for all the positive replies. Sorry I havent been about much I just have been so busy this last week!

Well its 21 days till payday!

On the plus side I have my holidays coming up in about 6 weeks Nothing planned yet but I hope to save up a little and maybe go away for a couple of nights. I have about £60-£70 in t*sco vouchers so I need to have a look at the rewards to see what I can change them for and make it a MSE holiday :T

I know people can do really well with those so good luck!

garfield44

899 days from tomorrow and I will be debt free :beer:
Okay it seems ages away but when I started this journey it was well over 1000 days so it is coming down quick as it only feels like yesterday since I started my mission.

I've been busy over the weekend trying to work out ways I can use my tesco vouchers. It turns out that I have enough to take the bus to wherever I decide to go, go to a zoo, visit pizza express or maybe bella italia, orange wednesday at the cinema plus maybe a visit to a museum :T Looking good! All this for approx £18 of vouchers plus cinema money etc. All i need to do now is find somewhere cheap to stay. Travelodge are doing £19 rooms at the moment but just need to find one. The hunt is on for a MSE holiday...........

How was everyones weekends?

x x