For my DDs

2joanne

Hey everyone...October is already here and it's been a good few weeks...4 months since my LBM and over £4000 paid off..roughly 11% of what we owe.. I'm quite proud of how far we've come..

Still a £260 hole in the emergency fund but have decided on next pay I'll pay less off debt to put this back in the fund...I feel too nervous without this safety blanket.

So as we head towards our first debt free Xmas ever....life feels good :T

Hiddenidenity

You should be proud that's a fab amount paid off

Hope your feeling better xx

2joanne

Thanks hidden ...feeling a little better...I just have to keep my impatience in check!

eBay sales are still going well which is mainly how im making such great strides...have already cleared a small bedroom full of stuff and have had another clear out this weekend...so have roughly another 80+ items to list....gonna wait until a free listing weekend tho...

Happy Sunday all!

Hiddenidenity

Hope all is well x

dprovan

Hi Joanne, how are things going?

2joanne

Hi all...it's been a really tough few months..lost my job, found a new one and its taken me a while to get my head round everything....hidden and dprovan..thanks for checking in on me....

Not quite sure how things are on the money front if I'm truthful...

But 2013 is going to be a lucky one im sure...will be back in touch soon when I've balanced everything out... But just reckoning things up in my mind I think we're just £400 worse off than we were before I lost my job..,so it could be a lot worse.....

Anyhows...happy new year all xx

2joanne

All added up and ready for the new year...things not as bad as I thought...disappointed with credit card balance but then it could be worse...pleased that in just 6 months 15% debt cleared...over 5k... It would be great to beat that this year...

Happy new year all!!!

2joanne

It's been abusy day...lots of home cooked low fat meals all prepared to avoid me buying lunch at work and spending money on take always for tea..made a vegetable curry, cottage pie, sweet potato soup, spag Bol! Tesco had tons of whoopsie meat today..got 3 x 750g of lean mince beef, 2x sirloin steak, lean lamb mince, and 4 beef burgers all for £10.98!

Feeling pretty strong, very apprehensive about my new job tho...I start tomorrow...just hope I can stay strong with the stress!!!

2joanne

NSD day today....great news! Onwards and upwards...:)

2joanne

The quest continues...loan at 8.7% apr swapped for one at 5.7% term reduced by 2 years....saving me £3111 in interest over the term....am so super super chuffed...means I'm paying 36 pm extra to bring term to 3 years 6 months but I can make overpayments of any amount at any time and no early repayment charge so it's a great deal!!! Yay!!!