2 days until I'm DF!

eyeopener2

Wow, get in! fantastic stuff.

rosiesposies

wowza thats great.

out of interest, how much did you pay off each month nd did you snowball?
we (well, my oh) has roughly the same debt and income as you.

would be interesting if we had the same amount leftover each month to pay off the debt. if we do then there is no excuses for us not be to DF sept 2014!

Time_to_face_the_music

Just wanted to say congratulations and very well done :T

Posts like this inspire a lot of people and keep us going

katy_ann

Well done! I love inspiring posts like this, makes me more determined! Enjoy your DF days!! x

maccymum

mrsb83 wrote: »

Wow.

After a frugal month, I've been able to move my DFD forward from the 25th September to the 24th August. That's in two days' time!

I am in shock. I remember updating my figures to 8% paid off and how daunting the task seemed. But budgeting has changed my life completely, and I've paid off £24k in two years whilst having more ££ in my purse and having learnt the real value of a pound.

Good luck to all of you starting your journeys, or coming to the end as I am. This site has allowed me to become financially literate for the first time in my adult life, and I couldn't be more grateful.

:T:T:T:T:T:T:T:T:beer::beer::beer::beer::beer::j:j:j:j:j i am so chuffed for you!!! i am just beginning my journey and its inspiring to know that it IS possible


njoy your new life with money in your purse xx

Learning2Budget

Congratulations.xx

misselvis

Congratulations you are a true inspiration to us all on our DF journey. As has been highlighted keep up the good work and in 2 years time think about how much you can save xxx

beanielou

Great result

ellesbellesxxx

1 day now isn't it?!?! Well done x

mrsb83_2

Thanks to everyone for their replies. 1 day to go!

To answer a few Qs -

Yes I do intend on saving, but I'm not putting any plan in place until January. I want to enjoy having spare cash for the pretty much the first time in my entire adult life. I'd like to have some new clothes, maybe a short holiday!

I'm a big advocate of snowballing and have done it since Day 1. The interest on my debts was relatively low but it was still invaluable. I liked the structure of having a set amount to pay. I started paying around £750 a month and for the last few months that's gone up to £1250.

My biggest piece of advice is to learn to budget, and how to stick to it. I have a physical budget book which I keep on my desk and update daily. We all work hard for our money so it's important to know where it goes. I do a fresh budget for each month, taking into account any expenses I know are particular to that month.

I'm feeling very emotional today actually. My last day as a DFW!