Emzilla's reincarnation diary..........

Emzilla

beccie wrote: »

Hi Emz, glad to see you're sorting a DMP, will be much better than getting hassled all the time.

Which company do you do online MS with if you don't mind me asking?

Thanks Beccie. Hopefully it will get all the DCAs off my back.

I have just sent you a PM

Emz xx

Emzilla

I have just read MG's diary and someone on there said that they weren't prepared to overpay on their debts and let their past spending ruin their present or future happiness and fun. That really resonated with me.

I could spend the next 4-5 years scrimping and paying off my debts to become debt free a little bit earlier, but then I would be missing out on those 4-5 years.

So, I am going to pay back my mum as soon as I can and then as long as I have made my DMP payment and paid my bills, any extra money is going to be mine to do with as I wish.

My debts will be paid off eventually, but not at the expense of living my life.

Emz xx

Emzilla

In other news, I've now got £98 worth of mystery shopping jobs lined up. That's nearly another £100 for my mum.

Emz xx

gothrockchic1

Emzilla wrote: »

In other news, I've now got £98 worth of mystery shopping jobs lined up. That's nearly another £100 for my mum.

Emz xx

Thats great well done you!

gothrockchic1

Emzilla wrote: »

I have just read MG's diary and someone on there said that they weren't prepared to overpay on their debts and let their past spending ruin their present or future happiness and fun. That really resonated with me.

I could spend the next 4-5 years scrimping and paying off my debts to become debt free a little bit earlier, but then I would be missing out on those 4-5 years.

So, I am going to pay back my mum as soon as I can and then as long as I have made my DMP payment and paid my bills, any extra money is going to be mine to do with as I wish.

My debts will be paid off eventually, but not at the expense of living my life.

Emz xx

Thats so true, thats why I still go out and am going to Download my CC is 0% so I know it'll get paid off eventually!

Emzilla

gothrockchic1 wrote: »

Thats so true, thats why I still go out and am going to Download my CC is 0% so I know it'll get paid off eventually!

Good on you for going to the festival. I was going to miss the tennis at the O2 this year, but I think I will save up and go now (once my mum is paid back obviously ). Life is too short. All of my debts are with DCAs so I am not paying interest either.

How are you going on the Onepoll by the way?

Emz xx

Buffythedebtslayer

Emzilla wrote: »

I have just read MG's diary and someone on there said that they weren't prepared to overpay on their debts and let their past spending ruin their present or future happiness and fun. That really resonated with me.

I could spend the next 4-5 years scrimping and paying off my debts to become debt free a little bit earlier, but then I would be missing out on those 4-5 years.

So, I am going to pay back my mum as soon as I can and then as long as I have made my DMP payment and paid my bills, any extra money is going to be mine to do with as I wish.

My debts will be paid off eventually, but not at the expense of living my life.

Emz xx

I think that is a really good decision Living life is the most important thing.

xxx

Emzilla

Buffythedebtslayer wrote: »

I think that is a really good decision Living life is the most important thing.

xxx

Thanks Buffy :A. Can you remind me of this if I ever get into that 'must pay off my debt quickly' mentality again?

Emz xx

beanielou

Ems~all Im going to say is I have been trying to guide you to this way of thinking for a long time :rotfl:

Emzilla

beanielou wrote: »

Ems~all Im going to say is I have been trying to guide you to this way of thinking for a long time :rotfl:

I know Lou . I don't know what it is with me. I seem to get it into my head that I 'need to clear this debt' and I 'need to do it quickly'. But I never really thought about why I needed to do it. The answer is that I don't, as long as I pay my DMP payment every month, they will disappear eventually.

Emz xx