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Time to 'grow up' - the slippery slope to 30.

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  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oh I remember you mrsspendalot.
    Congrats on no 4 :)
    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.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    I've been playing about with the snowball calculator

    http://www.flickr.com/photos/sarahguk/6306557681/

    If I can pay off £500pm (inc min payments of around £213) off the two credit cards and the car loan, I could be debt free by Jan 2013, so 14 months.
    This doesn't take into account the 0% BNPL but I should have enough in my normal savings to cover that when it's due along with the holiday savings. I need to work out how much exactly I'll be able to save though so am going to crack out my spreadsheets in a minute. I'd *LOVE* to be debt free by January 2013, but I need to work out if this is realistic and if I'll be able to save for the holiday, the BNPL AND clear off my debt.

    Think I'm going to have to get the spreadsheets out :D
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    mrsspendalot wrote: »
    Well, what a blast from the past seeing your name on here :D

    I remember you from years back when I was paying off my debts .... you were married with 2 little girls and working a temp xmas job in Argos I think?! I was married with 3 kids .... and now I'm divorced, remarried, with 4 kids!!!! Oh, and debt :o (Well, not technically my own debt, it's DHs, but what's mine is yours and all that)

    Good luck with your goals .... this is one diary I will definitely be subscribing to, even if just for nostalgia!!!
    Awww hello! Congrats on number 4! It's lovely seeing so many old names on here. :)
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • mrsspendalot
    mrsspendalot Posts: 3,238 Forumite
    beanielou wrote: »
    Oh I remember you mrsspendalot.
    Congrats on no 4 :)
    immoral_angeluk wrote: »
    Awww hello! Congrats on number 4! It's lovely seeing so many old names on here. :)

    Beanielou, remember you too! Little DFW reunion :D

    Thanks, #4 is a little star :D
    Olympic Countdown Challenge #145 ~ DFW Nerd #389 ~ Debt Free Date: [STRIKE]December 2015[/STRIKE] September 2015

    :j BabySpendalot arrived 26/6/11 :j
  • VfM4meplse
    VfM4meplse Posts: 34,269 Forumite
    10,000 Posts Combo Breaker I've been Money Tipped!
    Glad to hear that life is on the up for you OP - but can I ask why marriage is not on your list as part of the growing up process? Just being nosey of course :D.
    Value-for-money-for-me-puhleeze!

    "No man is worth, crawling on the earth"- adapted from Bob Crewe and Bob Gaudio

    Hope is not a strategy :D...A child is for life, not just 18 years....Don't get me started on the NHS, because you won't win...I love chaz-ing!
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    VfM4meplse wrote: »
    Glad to hear that life is on the up for you OP - but can I ask why marriage is not on your list as part of the growing up process? Just being nosey of course :D.
    Because I'm a bitter divorcee already :rotfl:

    No in all seriousness, I wouldn't say no to marriage at some point in the future, but I'm in no particular rush and want to a least live with the poor bloke before dragging him kicking and screaming down the aisle :rotfl:

    I keep joking that I'm going to propose on the leap year... keeps him on his toes :rotfl:
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • VfM4meplse
    VfM4meplse Posts: 34,269 Forumite
    10,000 Posts Combo Breaker I've been Money Tipped!
    immoral_angeluk wrote: »
    Because I'm a bitter divorcee already :rotfl:
    You're too young to be bitter if you're not even 30, save it until you're at least 40 lol
    Value-for-money-for-me-puhleeze!

    "No man is worth, crawling on the earth"- adapted from Bob Crewe and Bob Gaudio

    Hope is not a strategy :D...A child is for life, not just 18 years....Don't get me started on the NHS, because you won't win...I love chaz-ing!
  • mrsspendalot
    mrsspendalot Posts: 3,238 Forumite
    VfM4meplse wrote: »
    You're too young to be bitter if you're not even 30, save it until you're at least 40 lol

    I remarried just a month before I turned 30 ;)
    Olympic Countdown Challenge #145 ~ DFW Nerd #389 ~ Debt Free Date: [STRIKE]December 2015[/STRIKE] September 2015

    :j BabySpendalot arrived 26/6/11 :j
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Right, first spreadsheet done based on merely saving with the payments I've already got set up and nothing extra.
    From 1st Jan to December 31st if I saved just the bare basic I'd save £4256.

    If I need £373 to pay off the BNPL, and oh I don't know - £500? spending money for the holiday I'm going to need to work hard to pay it all off in 12/14 months aren't I! Ooh eer. Granted I can pay off extra as/when I can but considering how often stuff comes up and needs paying for, I'm definitely going to have to look at selling some stuff I think.

    Hmmmm.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    VfM4meplse wrote: »
    You're too young to be bitter if you're not even 30, save it until you're at least 40 lol
    I was bitter from the day I got married :rotfl:
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
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