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10 months in and 90 left to go ... the reality is starting to kick in :)

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  • beanielou
    beanielou Posts: 96,111 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I mean some of you peeps on here know more aboutparts of my life than even some of my closed friends in RL do.
    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.
  • beanielou wrote: »
    I mean some of you peeps on here know more aboutparts of my life than even some of my closed friends in RL do.

    Snap!

    And it's funny as I often (as some of you know) rant / ramble away about stuff on my diary that I'd be mortified if people in RL knew about but it doesn't bother me that the people I've met through MSE know .... does that make sense?
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • beanielou
    beanielou Posts: 96,111 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Snap!

    And it's funny as I often (as some of you know) rant / ramble away about stuff on my diary that I'd be mortified if people in RL knew about but it doesn't bother me that the people I've met through MSE know .... does that make sense?

    Perfect sense :D
    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.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Totally rising I feel the same :)


    I think for me I have a few judgemental people in RL that are there due to relationship connections, I wouldn't tell them anything

    Then I have some good friends in RL that whilst listen to me when I talk about being debt free ( including mortgage) dont share any interest in being so themselves, so I no longer talk to then about it all

    Then I have people in RL who look at me like I am an alien for even contemplating becoming debt free, it's like eh life is for living why go without ... So I don't talk to them either lol
  • Very few people know about my real circumstances - I just think the anonymity of this site means I can bare my soul which is kind of theraputic :o I think it makes me face my problems as they are written down and out there and not being buried with my head in the sand.
    Just keep swimming!
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Totally it's a dogs life, I think the old saying a problem shared is a problem halved also applies to here, when people have down days ( which we all do) we can come on here and know that some one will listen and often help with practical advice, and then at other times we return those favours :)
  • skint_spice
    skint_spice Posts: 13,471 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    elantan wrote: »
    Then I have some good friends in RL that whilst listen to me when I talk about being debt free ( including mortgage) dont share any interest in being so themselves, so I no longer talk to then about it all

    Then I have people in RL who look at me like I am an alien for even contemplating becoming debt free, it's like eh life is for living why go without ... So I don't talk to them either lol

    I told some friends when I became DF and they told me how "lucky" I was - reality was I had stayed in, survived on one income and sold off stuff to make a bit extra while they continued spending.... Some of them have moaned about money but when I've offered to help they don't actually want to change anything not sure how they think it'll vanish otherwise:o

    Newer friends are younger with no responsibilities so I avoid talking finances there too so basically what I'm saying is that you folk are the only people I feel comfortable talking to about this stuff:D
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Skinty you hit the nail squarely on the head, it's not luck that gets us to where we want to be, it's all the hard work and sacrifices, those nights out you didn't go on, those new clothes you hunted down cheaper, those meal plans you made, the checking of the prices of toilet rolls ... Luck had nothing to do with it ... Its been blood sweat and tears and bloody hard work ...

    And I say well done your hard work has paid off I hope your mortgage debt disappears fast so that you can have that dream holiday ...

    With the cans of tennents lager on the beach:rotfl::rotfl::rotfl:
  • skint_spice
    skint_spice Posts: 13,471 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I don't feel like I'm suffering though El, there's so much I'm willing to give up but other things (like gym) that will remain as long as they are affordable. But that's another gripe with them " you spend HOW much on the gym?"

    Lots of my dream hols are quite affordable! Tennants never though:D! quite fancy Cornwall this year but it's costing at more expensive than a week in the sun... more thinking/dreaming required ;)
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Went to see The Impossible - if it wasn't a true story I would have thought it had been written for Hollywood iykwim? But I found it very good and quite emotional so would recommend. Welldone on your run - amazing xx
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