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

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  • beanielou
    beanielou Posts: 95,426 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Same here TBH.
    Maybe its the time of year?
    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.
  • Emzilla wrote: »
    Hello :D

    Glad you are back :) - I hope all is well?

    Emz xx

    Yes everything's fine now, we had a fire in the block of flats Im staying in but it was smoke damage so everything had to be redecorated and replaced and took ages. Im back on the straight and narrow now :D
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Went to see 50/50 last night. It's a really good film - I highly recommend it. It literally made me laugh and cry. I really related to it, even though cancer is a whole different thing to cystic fibrosis.

    I tried to explain it to my OH, but I see cancer as being quite a concentrated, relatively short disease whereas CF is more stretched out over a lifetime. But I think anyone with a serious illness can relate to each other, no matter what they have. Things like the fed up with feeling ill part, the isolation that you sometimes feel and the hating hospitals are all common themes with illnesses. I guess what I'm trying to say is illnesses suck - big time!!

    There was a line in the movie that said 'You can't change your situation. The only thing that you can change is how you choose to deal with it'. I love that quote. So I'm going to live by it.

    I can't change the fact that I have CF, but here's how I choose to deal with it:

    I choose to do everything that I possibly can to cheat death and prolong my life.
    I choose to spend time with my family and friends.
    I choose to treat myself if I want to (within my means though obviously).
    I choose not to work myself into the ground, but do enough to get by and live a good life.
    I choose not to ignore my debts, but not rush to pay them off anymore. So, it might take me 10-20 years to clear my debts. My health is more important.

    I guess this leaves my 1,000 day plan up the creek. Not sure whether to start a new diary or not. Money-wise, my plan is to do 100 questions a day (easy and gives me enough time to myself every day too). This equals £900 a month which will pay all of my bills, rent and tax. Then I have got my Disability Living Allowance which is £73.60 a week and I can withdraw this from the bank weekly and use it for petrol, food and other stuff I need. Then I have the £400 that my OH gives me every month for his share of the rent and bills. This can go towards catching up on some bills, paying back my mum and eventually paying back my debts.

    Off to think some more.

    Emz xx
  • beanielou
    beanielou Posts: 95,426 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So so happy to read that post xx
    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.
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    beanielou wrote: »
    So so happy to read that post xx

    Thanks Lou :A. And I know I have said this kind of thing before, but watching that movie last night might have been the best thing that ever happened to me. I know it sounds silly and it's only a movie, but I feel like a completely different person today after watching it.

    Emz xx
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    That's an excellent post Emz and sounds like you know now exactly what to do to be happy x
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Emzilla wrote: »
    Went to see 50/50 last night. It's a really good film - I highly recommend it. It literally made me laugh and cry. I really related to it, even though cancer is a whole different thing to cystic fibrosis.

    I tried to explain it to my OH, but I see cancer as being quite a concentrated, relatively short disease whereas CF is more stretched out over a lifetime. But I think anyone with a serious illness can relate to each other, no matter what they have. Things like the fed up with feeling ill part, the isolation that you sometimes feel and the hating hospitals are all common themes with illnesses. I guess what I'm trying to say is illnesses suck - big time!!

    There was a line in the movie that said 'You can't change your situation. The only thing that you can change is how you choose to deal with it'. I love that quote. So I'm going to live by it.

    I can't change the fact that I have CF, but here's how I choose to deal with it:

    I choose to do everything that I possibly can to cheat death and prolong my life.
    I choose to spend time with my family and friends.
    I choose to treat myself if I want to (within my means though obviously).
    I choose not to work myself into the ground, but do enough to get by and live a good life.
    I choose not to ignore my debts, but not rush to pay them off anymore. So, it might take me 10-20 years to clear my debts. My health is more important.

    I guess this leaves my 1,000 day plan up the creek. Not sure whether to start a new diary or not. Money-wise, my plan is to do 100 questions a day (easy and gives me enough time to myself every day too). This equals £900 a month which will pay all of my bills, rent and tax. Then I have got my Disability Living Allowance which is £73.60 a week and I can withdraw this from the bank weekly and use it for petrol, food and other stuff I need. Then I have the £400 that my OH gives me every month for his share of the rent and bills. This can go towards catching up on some bills, paying back my mum and eventually paying back my debts.

    Off to think some more.

    Emz xx

    Good for you hunny, its about balance and getting a bit of everything in life :j
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hey everyone - started a new diary as this one isn't relevant anymore :D

    https://forums.moneysavingexpert.com/discussion/comment/48878243#Comment_48878243

    Emz xx
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