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For the first time in 19 years......
Mrs_Trouble
Posts: 75 Forumite
I have ended up with money still left in the bank at payday(albeit only £12 but still)! :j
Have only sent one DMP payment and not sure everyone is onboard as of yet but knowing I have no credit card to fall back on and have to budget and cut back to live within our means has meant that I have proven we don't need credit to live!
It hasn't been an easy month as Mr T has suggested doing things and we realise quite despondently that we cannot afford it as we need to get to the end of the month, but it has given us a completely different mind set. I cannot wait to get paid tomorrow to budget, put money aside and work out how much has gone off the debt.
I was so so scared only a month or so ago, but the relief of being in control is fantastic, If it wasn't for this site and people's advice I would still be robbing Peter to pay Paul. Thank you!
Have only sent one DMP payment and not sure everyone is onboard as of yet but knowing I have no credit card to fall back on and have to budget and cut back to live within our means has meant that I have proven we don't need credit to live!
It hasn't been an easy month as Mr T has suggested doing things and we realise quite despondently that we cannot afford it as we need to get to the end of the month, but it has given us a completely different mind set. I cannot wait to get paid tomorrow to budget, put money aside and work out how much has gone off the debt.
I was so so scared only a month or so ago, but the relief of being in control is fantastic, If it wasn't for this site and people's advice I would still be robbing Peter to pay Paul. Thank you!
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Comments
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That is great!!
Keep it up and don't give into temptation =POriginal Mortgage Debt - £130,330.
Current Mortgage Debt - £116,605.
2010 O/Ps - £5,000. 2011 O/Ps - £1,978.42.
Original Loan Debt - £6,000. Current Loan Debt - £3,500.
Original HP Debt - £1,000. Current HP Debt - £240.0 -
thats great, feels good does'nt it
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Well done:TTry to be a rainbow in someone's cloud.0
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Thank you - it's a fantastic feeling. I've become quite pathetic this week at challenging to see how much we could have left in.
We don't feel deprived by our budgeting, it has balanced well and I am liberated by no overdraft
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Well done you :T0
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well done. I can't wait till September when my overdraft is paid off then hopefully i'll have money left in my bank to. I'm so jealous of you x0
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Mrs T
Can I make a suggestion, take that 12 quid and put it in a treats fund... that way when you and Mr T feel a bit down you have enough for a fish supper/bottle of wine/chocolate whatever your pick me up of choice is...
oh and well done!
GxMortgage at 08/10/10: 110k:eek:
Current Mortgage:... £109,200 :eek:
OPs 2011: 100.50/4000
Current MFD: 02/10/45 :shocked: (will be 63!!!)
Make a payment a week challenge TW 100/123.790 -
What a great little ending to a story 0
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That CONTROL feeling is priceless isn't it?
Improves your well being immeasurably!0 -
It is completely priceless
Paid today, budgeted to the penny and we have moved the excess left to our spare account to build up a treat account - which is a brilliant idea - thank you.
Now we have a challenge to try and leave £24 in before next payday and I'm determined!0
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