The Ultimate Incentive Threadies go all out!

wendz86

Looking forward to seeing the new thread, will be there to support you ,You will get there!

Had my hair cut, hairdresser said was in pretty good condition considering 6 months since last cut. Left poppy with OH and they turned up at the hairdressers and her little eyes were all red from crying...oh dear!

Dinah93

Oh no! Has she been apart from you before?

wendz86

She has been with OH a coupleof times while i have been to dentist and things and left her with my mum once for a couple of hours. Is very tricky as she won't drink out a bottle and i think is now going through the seperation anxiety stage. Will ahve to get her used to it before i go back to work though.

kavics17

Shoot, I just lost my long post:o.

Dinah, NIM, here you are:

We became debt free yesterday, after paying £33k off in 14 months. 3 things worked for us:

1) We decided to pay off £2k every month even though we only had £1700 for debt busting. The idea actually came from you, remember diary 1 and 2? When you paid off more daily than your actual salary was? We worked so hard to get the extra £300 in and only failed one month. Our average worked out as £2369 a month. I still wonder how we did it.

2) Whenever our salary arrived on our account, we made a payment towards the loan. OH got his on the 17th, loan payment went out on the 18th, mine came on the 30st, loan went out the very next day. We each left £80 on our account to last us till pay day. Never went overdraft.

3) Holidays: it's a big thing for us, we can't function without them. We went for long weekends to Porto, Berlin, and Vienna, had 7 days in Tenerife and 7 days in Greece. Our budget was £2k for these 5 breaks but managed also to squeeze in 3 sets of flight tickets to see our families (thanks God for Wizzair, Ryanair and Easyjet). No, we did not drink alcohol for over a year (saved us a lot, and we didn't spend money on alcohol while on holiday either!), nor ate in posh restaurants but had lovely, lovely time and made lots of memories.

And one more thing: we were down, many times but re-reading your first 2 diaries (as well as Hypno's), we got inspiration and motivation. So lady, if we could do it, you can definitely do it!

Keep up the good work and will be lurking to see your progress...

Dinah93

Thanks Kavics. Your post made me smile. We know we need to do it, it just seems such a huge mountain to climb, I know I'll feel a LOT better once we pay the first big chunk off and I can see it coming down.

wendz86

Well done Kavics, that is really great! That is a lot to pay off, how does it feel to be debt free?

kavics17

WE are skint-have £80 left till payday which is at the end of the month:). So no difference whatsoever:). Bring on November, I will tell you than!

archersluck

Wow Kavics that's great, must have helped that you and your OH sound like you were totally on the same page.

Looking forward to the new diary Dinah!

I'm going out with my best home friends tonight, it's been a loooong time since we've done that. Must nip out and buy something to drink, races have been on today so bet towns busy tonight. Really should do the shred first though! I went outlet shopping last night (only spent £40 in Kurt Geiger, thank God for sales) and ended up in the cadbury shop, big error. I also won a meat raffle at work today, the universe wants me to eat!

Aw poor little Poppy Wendz, I guess she'll soon figure out that you always come back to her

Lara44

Aww bless little Poppy!!

Kavics WELL DONE, that's an awesome achievement :j :j :j Bet you can't *wait* until next month.

Dinah - £30k - :eek: but we all know you can do it Looking forward to a new diary. I think you need a holiday embargo for starters!

tinkerbel

Well done Kavics! That's amazing but i understand how you won't feel it until next month because this month you still had to make the payment!! How did you do it though? because that really has got me in awe!!

Dinah I didn't know it had got that high! How did it get to £30K??! And where is this new thread? I can't see it. I'm sure you can beat it though, you did so well at the start when you battled your first debt!! Plus, how did you get so old that you need a new driving licence?! You're making me feel old! I thought you were about 24 still!! Do you have to pay a fee to get a new one?

Shrimpy i didnt know you were doing AAT! how far through it are you? How are you finding it?

have fun tonight with your friends Archers and Flower - GET THAT BABY OUT!!! I'm doing a bit more revision then off to bed! I have an exciting friday night hey!

Ps CMD I think you're super woman!

When people talk about the shred by the way, can someone link me to the right dvd? i think i need to get on it!!