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  • ani*fan
    ani*fan Posts: 1,554 Forumite
    1,000 Posts Combo Breaker
    Hi there HappyNow and your merry band of pudding- making followers! :wave:

    I've just read your diary through from start to end and have found it very inspiring. I love your relaxed attitude...I'm a worrier and it's lovely to hear someone taking it all in their stride. You're doing so well.

    I'm off to subscribe, and maybe see if that deal on a slow cooker is still on.

    Best of luck.

    AFx
    :)
    If you know you have enough, you're rich. ;)
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    You've done very well Happy. It isn't easy when you have a long debt journey in front of you. I've been doing this for years and still haven't got there yet!

    Your review is brilliant, very clear and concise and tackles emotional side of things too.

    To be able to find your reviews easily when you want to track back once in a while, why not colour the text blue [or any colour you prefer] That way it will stand out when you're doing a quick scroll through. I used to do that in my old diary, will the serious posts, made it easier to refer back.

    Piq
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    Happy that is brilliant to do a little summary like that. Remember mountains are climbed one step at a time xx
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    edited 30 March 2012 at 4:39PM
    happy I think you're doing brilliantly and I also think as part of the emotional part of the journey you need to acknowledge how inspirational you are for us readers too..it's great to read your diary!!

    Back laters to review in detail!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Wow! Thank you all so much for your lovely, supportive comments. It really does mean so much :).

    Both kids came home from uni for the Easter holidays last night, so I'm going to have to be careful they don't see me on here. I will be back late tonight to catch up on everybody's news but I can hear stirrings upstairs so have to go now :( x
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi there..we'll be waiting for your posts!!

    Have a great hols with your lovely DCs

    Love the review. Really thoughtful and the way that you have answered the questions ( and posed the questions in the first place) is great. A good record of how far you have come.

    BTW if your DC and OH ever knew about 'this' I think they would be very proud...maybe shocked at first..but very proud at your tenacity and drive
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    I have just read your review Happy. You have come a long way in three months and should be very proud of tHe changes you have made.

    I see we still have lots in common. A car that needs replacing which is going to have a big impact on finances. Both aiming for the same DFD. And I have my two youngest home for Easter which is already having an impact on finances. But yesterday I had to borrow £100 from the youngest to cover some Direct debits.
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
  • HappyNow wrote: »
    Wow! Thank you all so much for your lovely, supportive comments. It really does mean so much :).

    Both kids came home from uni for the Easter holidays last night, so I'm going to have to be careful they don't see me on here. I will be back late tonight to catch up on everybody's news but I can hear stirrings upstairs so have to go now :( x

    We'll be here waiting for you. :D Have a lovely time with your DC.
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
  • Hopeful1
    Hopeful1 Posts: 2,076 Forumite
    We'll be here waiting for you. :D Have a lovely time with your DC.

    I second that!!! :p
    One step at a time ;)
  • Mrs Happy - what a great idea! Really enjoyed reading your review, and it has definitely given me some inspiration as I approach the three month mark too. Thanks, and well done so far! The debts might not be dropping by loads yet but you'll soon find some elbow room, then you can really come out swinging! :-)
    AIM: Debt free by [STRIKE]Dec13[/STRIKE]/Apr14
    TOTAL: Jan12 [STRIKE]£30,000[/STRIKE]/£13,300 Mar13
    [STRIKE]AMEX[/STRIKE] [STRIKE]£2,500[/STRIKE] Bank [STRIKE]£12,000[/STRIKE]/£8,500 Barclaycard [STRIKE]£7,000[/STRIKE]/£4,800 [STRIKE]Parents[/STRIKE] [STRIKE]£8,500[/STRIKE]
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