Emz will be debt free in 1,000 days......

Emzilla

I have been thinking about starting a new diary for a while. I have been playing around with figures today, and realised that I could be debt free in 29 months.

Before I can start tackling my debts, I need to pay my mum back the money I owe her (around £1,800) and get my bills up-to-date. So I have set the target of 1,000 days (around 33 months) to give myself 4 months to pay back my mum and get my bills sorted out.

Anyway, a bit about me. I am 30 years old, I live with my OH (been together nearly 11 years, but he only moved in 1 year ago), and I have Cystic Fibrosis. My health has hindered me slightly in the past, but I have recently started using a nebuliser and it has had a very positive effect on my lungs :j. So I would like to take the opportunity of feeling good to get rid of the debts, so that I can slow down as I get older.

I am self-employed and work from home as it's better for my health. I often talk about my niece (4 years old) and nephew (3 months old) as they mean the world to me.

Here is a link to my old diary - https://forums.moneysavingexpert.com/discussion/3060964

So my 1,000 days starts tomorrow - end date 5th August 2014.

Emz xx

beanielou

Happy shiney new diary :j

jwil

Good luck!

chevalier

hi Emz happy new diary
when you realise that you have a relatively short time to go with debt busting it can be a big motivator!

Good luck with paying it all off, and I am so glad that you have found some medication that helps with the CF that must be such a bonus, in terms of the extra energy etc you will have
chev

GreenSaints

Hey,

1000 days is nothing and just think how great you'll feel!

Good luck with everything

Emzilla

Thanks for the replies everyone . Feeling good today .

I've just won £20 on the free JPJ game :j. Perfect timing as I owe my OH £20, so I am all square with him now. I've just done the Tesco car insurance quote for the 300 free Clubcard points. Fingers crossed that comes through, although I save my points for Christmas, so won't get them until next year. Also done a couple of surveys.

I'm going round my friend's house in an hour. She has had a really bad time recently and is off sick with stress. Only staying there for a couple of hours and then my sister is taking my niece bowling. I will go with them, but won't play, as I would rather have the £4 in my pocket .

Emz xx

Kepp

Yay, new diary!

Mine was nearly 900 days when I started counting. It's a great way to do it, gives you nice little mini goals.

I'm sure you will do it!

elantan

those 1,000 will fly in i am sure ... happy new diary

Emzilla

Thanks Beccie and Elantan .

Had a nice couple of hours with my friend this morning - seemed to cheer her up a bit. Just come back from bowling and the price as gone up to £6. So glad I didn't play. I can bowl as much as I like when I've got my Wii (am definitely getting one for Christmas ).

Scored a few freebies today. My mum got me a couple of big bottles of 7up when she went shopping and I received my washing powder to trial - a 25-wash pack of Surf .

Emz xx

Emzilla

Just received a lovely letter from a DCA regarding one of my Lloyds TSB debts. They are 'pleased' to inform me that Lloyds TSB are prepared to accept £821.14 instead of the £1,173.06 that I actually owe. Here is my reply:

Dear Mr DCA

Thank you for your kind offer. Unfortunately, if I did have just over £800 stashed away, I wouldn't be sending it to you. I would be paying off some bills and giving it to my hard-working mum. However, you are second on my list of creditors to pay off (be pleased with that!), so if I do receive a big windfall by the 17th, then I will be sure to accept your kind offer.

I was also very pleased to read that my debt is £28 less than I thought. This has made my day!!

Best wishes

Emz xx

Emzilla

The flat is looking decidedly messy - so I am dedicating until 8pm this evening as 'tidy time'.

Be back later.

Emz xx