Another milestone! Nearly there!

JAMIEDODGER

well done skintchick!!!!!! fantastic news hun

jamie

sophiesmum_2

:j :j :j
well done skintchick.What a great start to the new year for you.:T :T

sophiesmum

D&DD

Well done SC :T :T :T
I've followed all your news since we started on here and its so nice to see you acheiving your goal through all your hard work :T :T :T

Sammz

Well done!

Verbatim

Skint chick,

I'm sorry you don't post much anymore. I remember your posts from when i was a newbie and your wonderful changing avatars always with poultry as a theme!

Very glad for you that you're almost there. :A

tomandjerry

Well done Skintchick, :T

How high was your debt and how long has it been since your LBM?

Can't wait to be a debt free myself!!

TAJ

skintchick

Hi Verbatim - well, I started to feel I was of no use here. I don;t know about IVAs and stuff like that, and I felt a bit redundant. But maybe I'll come back! I tend to be in the Arms or DT these days, but I read DFW, I just don;t often post. I've moved on from my chick avvys - have a Christmas one at the mo but tend to still change them often!

tomandjerry - My debt was just over 7k, and all of it loans and credit cards. I did have savings at one point I could have paid my car loan off with, but it's 0 per cent, and I was made redundant and had to go self employed, so I used them up anyway.

My lightbulb moment was when I joined really. I saw a copy of the Money Diet at work, and read it, and started doing the budget and slashing my outgoings, then I came on here and posted a very miserable thread about never having any money!

It was awful realising I spent loads on nothing, and especially on drinking. So now I hardly ever drink! Martin has saved my liver as well as my wallet!

It was hard at first, and at one point I got a lodger so I could really hammer my debt. It wasn;t as much as some people owe, but I couldn;t afford it and it was scary realising how out of control my finances were.

I still tend to overspend, but much less than before, and because I'm so careful usually, the cash is findable, IYSWIM.

I can;t wait to be debt free, because then I can start saving, and see some money building up for me! I want to go to New Zealand to visit a friend next year, so I'll be saving for that.

This year though, I did use a lot of my redundancy to get new carpets in my house. It cost 2k and I paid CASH! I was so pleased Before, I'd have put it on the cc and not cared if I could pay it back easily. I maybe shoulda kept the money but my old carpets were threadbare and I get a lot fo pleasure out of walking over my old job every day :rotfl:

I'm proud to be dealing with my debt, proud to be a moneysaver, and proud to be part of such a great community as on here. :T

oops_a_daisy

:j well done skintchick :j what a fantastic Christmas present to yourself

LookingAhead

Hey skintchick, just wanted to say that I think you don't have to know all the 'technical' stuff to be helpful. Just posting as you did just now is really helpful.

It's encouraging to read things like that!

skintchick

LookingAhead wrote:

Hey skintchick, just wanted to say that I think you don't have to know all the 'technical' stuff to be helpful. Just posting as you did just now is really helpful.

It's encouraging to read things like that!

I'm gonna post more then!