We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
The end is in sight :)
wiggly
Posts: 292 Forumite
I'm about 6 months off my final debt free day 
(depends if I include the overdraft or not!).
But I've got real mixed emotions if I'm honest - and I've posted this feeling before - that I'm not sure who/what I'll be without having this debt controlling my life
But at the moment I just can't wait to get rid of it, I'm throwing everything I can at it (whilst still ensuring I have some life!) but its almost becoming an obsession!
Anyway, this is a bit of a rambling post - it also comes with lots of positive thoughts for all of you at the beginning of your journey, and congrats to those of you who like me are nearly there :beer:
:j
(depends if I include the overdraft or not!).But I've got real mixed emotions if I'm honest - and I've posted this feeling before - that I'm not sure who/what I'll be without having this debt controlling my life
But at the moment I just can't wait to get rid of it, I'm throwing everything I can at it (whilst still ensuring I have some life!) but its almost becoming an obsession!
Anyway, this is a bit of a rambling post - it also comes with lots of positive thoughts for all of you at the beginning of your journey, and congrats to those of you who like me are nearly there :beer:
:j
Trying to get on top of finances one step at a time
0
Comments
-
Fantastic news
I am feeling more positive about my financial state as it is going down, rather than going up! I have a debt free date now but i am hoping to get this down rapidly!
With all this spare cash you will have you could start a savings account and live within your means :jMarch 2006 £15,200+ in debt April £843.64 in debt - Debt Free date Sept 2009
Egg Credit Card - £843.64 5.7%0 -
too right its going straight into savings Trying to get on top of finances one step at a time0
-
wiggly - congrats on getting so far! I'd suggest still living the DFW way (maybe not as much
), and putting a nice little amount into savings each month. No longer visiting these forums.0 -
I do knoww whay you mean though.
Its hard to remember sometimes that real life is out there sometimes.
Anyway, relax & enjoy!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.
One debt remaining. Home improvement loan. 21 months left.0 -
Yeah I know how ya feel, I'm debt free one day after my 21st birthday... Feels a bit weird like what am I gonna do with this £... Oh right save...0
-
matt4504 wrote:Yeah I know how ya feel, I'm debt free one day after my 21st birthday... Feels a bit weird like what am I gonna do with this £... Oh right save...
D'oh! That's what I was aiming for, but now its the end of 2007!
By the way, assuming 8th June is a day after your 21st birthday, you're two days older than me! No longer visiting these forums.0 -
Hi Wiggly :hello:
I can understand how you're feeling as if you've had credit all your adult life, and then concentrate all your efforts on clearing the debt it will be strange to be completely able to spend all your salary.
What I would recommend is making a 'wish list' of all the things you want to do that will cost you money in the future, whether it's buying a house, going travelling for a year, having a complete spending splurge luxury weekend away etc. If you've got some goals lined up you can start saving for them in different 'pots' (making sure you get the best interest rate etc), and it will keep you focussed. It will also give you long and short term amounts to save for, so you may decide to save for 5 years to get a hefty house deposit together, but have a smaller pot that will pay for a holiday every year.Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
Total Debt 30th April 2008: £0 100% paid off!
PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT0 -
Hi, Keep going.
The overdraft needs to be included as its a debt. Once you have paid everything just think of the possibilities.Iinstead of paying creditors save the cash and then maybe you could concentrate on either your mortgage or even start saving up for a place. just think if you could save enough money not to have a mortgage at all?
good luck with it all.Official DFW Nerd Club - Member no. 297 - Proud To Be Dealing With My Debts0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.6K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.1K Spending & Discounts
- 246.6K Work, Benefits & Business
- 603K Mortgages, Homes & Bills
- 178.1K Life & Family
- 260.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards