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£23179.10 until my debt free life begins in March 2014

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  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Morning all

    About to check my accounts as they said my loan offers would be reassessed on 7th March.

    This has been a long week already!!!!

    Back soon to update

    xx
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    All quiet on the western front.

    Accoutns have settled down now and I only have the passport fee to come out. Petrol and groceries are allocated already so should be ok for the rest of the month. What a feeling - it's hard to ditch the worrying feeling of will I make it to the end of the month financially intact.

    How times change - I have been giving it quite a bit of thought lately. How far I've come - my best friend was sayingt he same - we are in totally different mind sets now.

    I wonder how long it takes, if ever, to shift the feeling like you have no money thuoghts. ie naughty to spend on treats etc? After you are DF I mean here....thinking a long time ahead LOL.

    Speaking of which - this month I have exactly 2 years to go until DF. This is a sort of anniversary LOL. I think that's why I have been giving it so much thought - have fast forwarded in my mind to now in 2014 where at the end of this month I will be making my final payment and closing the accounts forever.

    If I want it, I save for it. End of.

    xxx
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • LivvyLoo_2
    LivvyLoo_2 Posts: 739 Forumite
    Hi DF,
    I guess you would always have to have some fear of overspending, but thats good as it will keep you focussed and less likely to get back into debt again.

    So all this learning will stay for life...all good I think.

    2 years until party time YEY!!! You will have to get the champers out with your best friend.

    XX
    LBM March 2011 - [STRIKE]Joint Debt £46k[/STRIKE]
    Current Personal Debt £0 :j
    Groceries £152.51/230,Pot Balance £1564.02
    Christmas Savings £200, £2 savings £24
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    hi DF2012 just catching up on the diaries here... that's amazing...an anniversary!!! Well done for focussing on it. Good to concentrate on the goals:T
    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
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Morning brizzled

    It's really helping motivate me at present. I am thinking long and hard about the day that I become DF and how I am going to do it....not wishing my life away - just planning.

    xx
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • mrsb83_2
    mrsb83_2 Posts: 914 Forumite
    I'm tentatively starting to plan too but I'm finding it very hard to imagine being DF!
    Total Debt Sept 2010 - £24,132.38 / Current - £0.00/ 100% paid

    DFD - [STRIKE]Aug 2014[/STRIKE] 24th Aug 2012

    £10 a day // Jun - £64/£300 / Jul - £133/£310 / Aug - £281/£310
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Well everything's quiet again.

    I need to get some money out to pay for some bills today but all expected and budgetted for.

    My dad's had the all clear so that is a huge relief.

    I have turned cakes down in the office AGAIN - am so impressed by myself LOL

    Weigh in tonight - nervous - need to lose 3 pound to stay on track.
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    The passport form has been sent off!!!! Let's see if they have a problem with the application at their end now! What a faff on. I hope it goes through smoothly.

    Bought some 2nd class stamps - they go up in April so thought worthwhile as they will get used over the year.

    We have been told we move to our new fancy offices in 2 weeks where it's an enforced dress code and all very professional looking. Some days that appeals to me and others it fills me with dread. Today is the latter. DS was up at 1 and then I didn't sleep properly after that, finally getting up at 5 as he was running round like a banshi or whatever they say. So today, hair is tied back with DD bright blue bobble (not v professh!) I have yesterday's trousers on, granted this is no change to norm as suit trousers and generally i look cream crackered. I don't think I fit the new image today lol.

    Head's starting to pound, think I am sickening for something - hope not.

    xx
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Morning all

    Well it's finally Friday yey!!!!

    I have been given shed loads of work overnight from my boss (US based so she is up while I am in bed) and on a Friday too!!!

    I do work better under pressure but it annoys me as I see the others in my team not having no where near as much as me to do.

    Looking forward to the weekend :) More seed planting and being outside getting lots of lovely fresh air. I hope it's fair enough to be able to go for walks.

    xx
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Ah, that old chestnut. Work the good uns to death and let the others cruise. It's a classic management technique!!

    Hope it all worked out and you get a lovely weekend
    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
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