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

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  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    I think if you're not paying interest then it doesn't matter if it takes you longer, the need to pay them back quicker is when evil interest rates are costing you a fortune!

    If taking longer makes your life less stressful then go for it! :)

    And thanks for the PM, will definitely be checking that out x
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Emzilla wrote: »
    My debts will be paid off eventually, but not at the expense of living my life.

    Emz xx
    Emzilla wrote: »
    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

    :T Glad to hear it Em, see my sig that I have been sporting for just over a month ;) You if anyone needs to love life and live life to the full because as very sad as it is, you know you won't be around forever.

    Your debts are now under control and you are paying what NEEDS paying. Now go and live life, spend £30 on a mug or £50 on a meal out. Please don't deprive your life because you 'must pay the debt back'.

    Take care :D
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    :T Glad to hear it Em, see my sig that I have been sporting for just over a month ;) You if anyone needs to love life and live life to the full because as very sad as it is, you know you won't be around forever.

    Your debts are now under control and you are paying what NEEDS paying. Now go and live life, spend £30 on a mug or £50 on a meal out. Please don't deprive your life because you 'must pay the debt back'.

    Take care :D

    Thanks Pap. I don't think I could spend £30 on a mug :eek: - but I get what you mean ;). OH and I went to an outlet village place last month and they had this gorgeous silver clock with butterflies on it. It was only £10, but I didn't buy it because I would have felt guilty about not paying that £10 off my debts.

    So when I get paid next month, I'm going to go back and see if they still have it there.

    Emz xx
  • gothrockchic1
    gothrockchic1 Posts: 1,959 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Emzilla wrote: »
    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

    Onepoll is slow but I am now doing it at lunchtime so I can get more polls up to £37.85 so close I can taste it hehe!
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Onepoll is slow but I am now doing it at lunchtime so I can get more polls up to £37.85 so close I can taste it hehe!

    Keep going :j - they pay really quickly by the way, I got mine through yesterday, so it was less than a week.

    Emz xx
  • gothrockchic1
    gothrockchic1 Posts: 1,959 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Emzilla wrote: »
    Thanks Pap. I don't think I could spend £30 on a mug :eek: - but I get what you mean ;). OH and I went to an outlet village place last month and they had this gorgeous silver clock with butterflies on it. It was only £10, but I didn't buy it because I would have felt guilty about not paying that £10 off my debts.

    So when I get paid next month, I'm going to go back and see if they still have it there.

    Emz xx

    Good for you and if not you can treat yourself to something nice!! Its hard not to feel guilty tho but living comes first! I tend to spend money on doing stuff rather stuff itself! There are lots of things I want to do, list as long as your arm. Im just doing the small things now and then the bigger things when its paid off! :D
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi everyone

    Went to see OH's parents in Devon on Friday night and got back last night. Kind of feel like it's my duty to go there sometimes. I always get a talking to from his mum asking me to get him to do this and suggest that to him. The man can't be changed!! I have tried.

    Anyway, off to the cinema later with my sister to see Water For Elephants, as my cinema card came through on Friday :j - love a bit of R-Patz :)

    Emz xx
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just popped in to say - Water For Elephants - wow!! Such a good film. One of the best films I have seen in a long time :). Rubbish trailers though :(

    Emz xx
  • beanielou
    beanielou Posts: 95,578 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fab post Pap :grin:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • gothrockchic1
    gothrockchic1 Posts: 1,959 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    How's the list going Emzilla? :D
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