£23179.10 until my debt free life begins in March 2014

DebtFree2012

Lol - i didn't bike - just thought about it it's the thought of not spending that's spurring me on.

xx

DebtFree2012

Morning one and all

Last night I made spag bol for tea as it was quick and easy as the day turned into a nightmare. I did a load of DIY when I got in too so was shattered last night when finally crawled into bed. The DIY will hopefully add value to the house when we come to sell it to live the dream so it was that thought keeping me going.

This morning I am getting organised again as starting to feel like I don't know if coming or going!

Tea will be pinaculty which I will put on at lunch time on low to cook for tea time. Yum. We have the cooler weather for it here today too.

I am going to look into reclaiming any remaning PPI that I have missed as well over next couple of weeks.

Yesterday was not a NSD in the end as I had to buy lunch at work as worked through my dinner due to being so busy when I was supposed to be going home for it. So rounding up to £5 which I am taking out of my emergency money. Leaves emergency money at £10 for month. Not much of a stash!

Going to look into foraging at the weekend too inspired by the grocery challenge theread.

xxx

ragstoricheswannabe

Boo to working through lunch!!!! (do you get paid for your lunch breaks??)

DebtFree2012

No - we are expected to take 45 mins - I will get it back though will make sure of that!

DebtFree2012

OMG OMG I have just had the bext news. My 0% family loan is getting wiped clean in Jan 2013. I will have paid slightly less than half back and they said it was their idea all along to not ask for more than this back as a gitft to us to help us towards the good life! I could cry. So happy - (they have no idea of my situ btw) so this is a massive help.

I am off to work out my new figures and DFD!

xx

DebtFree2012

OK SO, I will go into 2013 with £12306 debt instead of £17568 how fantastic is that.

If I get everything onto 0% for Jan 2013 then I can pay the equivalent of 1025.5 a month (this will be made in uneven chunks but average is this) then I could become DF for going itno 2014 instead of march 25th 2014.

It's certainly a challenge and something to aim for!

So tonight I will sleep on it and may reduce my DFD target to Dec 2013 tomorrow.......how nice that would be!

xxx

ragstoricheswannabe

yeah to your family!!!!

oh to be debt free next year, im not jealous.......................honest!

DebtFree2012

Morning world

Well if you are following my posts you may know me well enough to realise how impatient I am

After the FANTASTIC news yesterday that from Jan 2013 my 0% family loan is wiped I have decided to pull out all the stops to get rid of this debt. Well initially I pushed my figures to clear it by Dec 2013 which would mean the Christmas pay - always tight right? However I have gone one step futher and decided to go for it earlier in Dec on my birthday which is the 13th, meaning the Christmas pay will be mine all mine!!!!!!

So my new, more challenging DFD is 13th Dec 2013 which is my 33rd birthday. That allows me to be living the dream by my 35th birthday some 2 years afterwards which I have said if I haven't done it by then I won't.

Bring it on!!!!

DebtFree2012

Well that's it - that's the new figures in black and white. Let's get cracking!

I will be debt free next year!

xxx

Kepp

So exciting DF! :j So pleased for you!

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