A Thread for After Debt?

rising_from_the_ashes

new_leaf_88 wrote: »

I am not debt free as yet and will not be so for another 3/4 years however I came on here to give myself some encouragement and hope.

It has certainly worked and I cannot wait to be in the same positio of all of you. You are an inspriration to everyone who is struggling with debt.

I have not calculated my total debt wlthough I have a good idea of how much it is, I will post it when I finalise the figures.

I have started my spreadsheets and am involved in lots if the challenges to keep a check on my spending.

Hi New Leaf .... well done for getting on top of your budgeting / spreadsheets now - I wish I'd done it years ago! Best of luck with your debt busting

I too am very glad BiB started the thread, I'm not confident enough to leave the DFW boards - and tbh, I don't really want to as I do like to offer a little advice / encouragement where I can if it helps others a) on their journey and b) get there with a little less pain than I did! - but I must admit I was missing the support of being able to say "I've been struggling with ....." etc so this thread is brilliant for that.:T

backinbusiness wrote: »

the Hotel had messed up the booking and put us in a double bed! Yikes! Anyway, they obviously sorted it out and I ended up with a £135 per night suite to myself instead - result!

:eek: Oh my! Glad you were able to get something sorted!

It reminds me of when I joined a company (many years ago when expenses were still around;) and in some cases, pretty extragavant) just before Christmas and was an "extra" on the party night.

We had a lovely night away at Peebles Hydro (everything paid for:)) and I ended up with a family suite all to myself!:D (although I did have company in the end ;)).

Geezzzzz, getting a bit loose with my words tonight, I better head off before I say something I really shouldn't:rotfl:

LianneH wrote: »

We have booked a day at Edinburgh zoo to see the Pandas a week tomorrow, this will be our DF celebration day, so excited and even better that its paid with my ebay money!

Well done on the e*bay sales ..... we were going to see the Pandas just after Christmas but decided to put it off until after Easter in case they weren't outside in the cold! Enjoy!!

LianneH

rising_from_the_ashes wrote: »

Li you must be near me.....Well done on the e*bay sales ..... we were going to see the Pandas just after Christmas but decided to put it off until after Easter in case they weren't outside in the cold! Enjoy!!

I'm in my own Bonny part of Scotland! We were going to go to the zoo last weekend but the pandas were all booked out, so decided to go during the week when its hopefully quiter!

Been staring at my spreadsheets and trying to get sorted for mat leave! from next month, hoping to save around £500 per month, that should mean that we wont have to worry, well not too much, whilst I am off on half pay and no pay - eek!

was maybe going to begin buying nappies, milk and wipes along with my monthly shop so I dont notice it as much. Will probably wait until my 20 week scan to do this though!

hope monday wasn't too "monday-ish" for everyone!

Li x

rising_from_the_ashes

LianneH wrote: »

I'm in my own Bonny part of Scotland!

:jOhhhhhh think I've got that one!

Not too far from me at all , just a wee dash up the road in fact (providing I'm right of course:rotfl:) - will try to think of a suitable hint for where I am whilst I'm having a soak in the bath & will post back later!

rising_from_the_ashes

In fact .... if I say there is one day a year when it's a bit noisy ...... that's about as close as I can get to me I think!

(edited now Li's read it as I think it maybe gave TMI!)

JulieGeorgiana

Li hope you enjoy your well deserved break x

New leaf Eliza sure did keep us all in suspense, then when she decided to come she did it fast... and she's still like that now, so laid back... but if she wants something and she thinks your now listening... wow she has my red headed temper!

I like everyone else love this thread, the support makes saving money more fun, which helps keep me on the straight and narrow

well done on your spreadsheets, its definitly the way forward. I wish you all the luck in the world for your journey x

BiB It sounds like you had a wonderful time, it made me hungry reading about it...

Today I have FINALLY sorted my wardrobe... filled 3 black bags... I will re:bag it with the Sally Ann... i get £2 store credit a bag... that's potentially a lot of baby clothes

Oh and I won 4 trosers for eliza on ebay (one came with a top) just one left to go and im done

new_leaf_88

JulieGeorgiana wrote: »

Li hope you enjoy your well deserved break x

New leaf Eliza sure did keep us all in suspense, then when she decided to come she did it fast... and she's still like that now, so laid back... but if she wants something and she thinks your now listening... wow she has my red headed temper!

I like everyone else love this thread, the support makes saving money more fun, which helps keep me on the straight and narrow

well done on your spreadsheets, its definitly the way forward. I wish you all the luck in the world for your journey x

Thank u so much JG everyone on here is si kind and it is really good being able to open up about your money worries.

I was so exceited reading your posts leading up to the birth of Eliza, she sounds gorgeous. Enjoy your time as a Mum and thanks again..

Good luck everyone keep saving xx:j:j

Mort

new_leaf_88 wrote: »

I have started my spreadsheets and am involved in lots if the challenges to keep a check on my spending.

Both of these should see you through. Sounds like you have a definite plan to pay your debts off, good luck.

Mint1955

I am a numpty where sreadsheets are concerned can anyone allow me a copy that I can just input my figures in PRETTY please :-)

Mort

Did I get top trumps with 51?

Mort

Mint1955 wrote: »

I am a numpty where sreadsheets are concerned can anyone allow me a copy that I can just input my figures in PRETTY please :-)

Have a look at this one http://www.moneysavingexpert.com/banking/Budget-planning#tools it may be over the top for your taste but it will give you an idea of how to do your own