Debt Free in 2015 - Who's with me?!?!?!?

[Deleted User]

daisystar wrote: »

I would love to join please!! I joined this website aaaaages ago, then lurked from time to time but I was so excited by this thread I just had to post for the first time!! (Had to reset my password and everything )

I am 31, married with a baby boy and have approx £45K of debt :eek: This has been coming down slowly but I worked out my DFD as sometime in 2018, and I need to get my !!! in gear as that is simply too long. So....... December 2015 sounds just perfect!!
I will get my numbers in order before the new year, work out how to update my signature etc and crack on :j I may need to calm down on the smilies tho..........
Thanks so much for the inspiration, this may just improve my life a little bit xxx

Woo hoo welcome aboard!

I love the smilies :rotfl::j:beer::T:)

I need to start using them more actually my posts are very boring without them haha

Dxxx

candyblue

I would like to join in too please

My DFD at the moment is November 2016,however due to a nightmare of a couple of months with car problems and Christmas it will be December 2016 as I am not going to be able to pay my monthly amount of £330 to cccs (or whatever they are called now):(

I have been on my dmp now for 6 years and its really getting me down never having any money. I am determined to sort myself out in 2013 and would love to get my DFD date forward to 2015 as the family (who haven't a clue about my debts) want to go on a special holiday to celebrate my dads birthday in May 2016 and I would like to be clear and have money saved up by then.

My plan is to carry on paying my £330 a month and any extra I can save/make I will put aside to pay off one of the debts when I have enough to make a final offer.

I am also desperately hoping to move as I hate where I live and its depressing me lots along with needing to lose a hell of a lot of weight.

Sorry for the long post, I will keep on the straight and narrow now and I am off to subscribe to this thread

[Deleted User]

candyblue wrote: »

I would like to join in too please

My DFD at the moment is November 2016,however due to a nightmare of a couple of months with car problems and Christmas it will be December 2016 as I am not going to be able to pay my monthly amount of £330 to cccs (or whatever they are called now):(

I have been on my dmp now for 6 years and its really getting me down never having any money. I am determined to sort myself out in 2013 and would love to get my DFD date forward to 2015 as the family (who haven't a clue about my debts) want to go on a special holiday to celebrate my dads birthday in May 2016 and I would like to be clear and have money saved up by then.

My plan is to carry on paying my £330 a month and any extra I can save/make I will put aside to pay off one of the debts when I have enough to make a final offer.

I am also desperately hoping to move as I hate where I live and its depressing me lots along with needing to lose a hell of a lot of weight.

Sorry for the long post, I will keep on the straight and narrow now and I am off to subscribe to this thread

Thats a good idea about keeping the extra aside then making a F&F offer.

I think I will do this with my loan cos I might be able to save a wee bit on interest if I do that.

I'm also needing to lose loads of weight aswell, I am gonna go back to WW in the new year.

Welcome to the gang!

Dxxx

the_storm_fisherman

Hi all
now that Christmas is out of the way and a new year is right around the corner thoughts now turn to losing weight and saving money. so my personal challenge this year is to get to my goal weight of 10ST- 8lb so i have approx 10 ST too lose.
I use to go to slimming world but i am going to fly solo this year and put away the weekly fee into an Isa account to pay for trip to the USA in late 2015 hence really why i want to be debt free by then.:j

the challenge this month is too lose 1- 2lb a week weigh-in reporting day is Friday first weigh-in is 4th of Jan please post amount lost or gained in LBS(POUNDS) by close of Sunday and i will put up a leader board of the month and a running total for the year.:T

PS i anyone needs slimming advice help or encouragement i will try to help.
The biggest help anyone can give themselves is to join a local slimming class my preference is slimming world, As i have tried others but this is only one where i have lost a lot of weight I.E. 10 ST.:A

recurrent-ostrich

the_storm_fisherman wrote: »

the challenge this month is too lose 1- 2lb a week weigh-in reporting day is Friday first weigh-in is 4th of Jan please post amount lost or gained in LBS(POUNDS) by close of Sunday and i will put up a leader board of the month and a running total for the year.:T

.:A

Cool, sounds like a plan. I want to lose 2.5 - 3 stone this year, so will get started then. Planning on following a sort of SW/WW combo, basically cutting out all the rubbish!

Debt wise, I'm being very good this week and have avoided the sales completely, deleted my N*xt VIP invitation and have not been to town at all.

recurrent-ostrich

candyblue wrote: »

and would love to get my DFD date forward to 2015 as the family (who haven't a clue about my debts) want to go on a special holiday to celebrate my dads birthday in May 2016 and I would like to be clear and have money saved up by then.

It's hard, isn't it, if your extended family don't know about your debts? We have huge debts and our extended family (parents, aunts and uncles and so on) don't know. On the surface we have a very good income as we both work full time in professional occupations, however our debt takes up well over a third of our take home pay. Without the debt, we'd be very comfortable (it was racked up before I went back to work, when I was at home with the kids, bored, depressed and spent all day buying stuff online ) and they don't seem to understand why we struggle when, for example, the heating packs up, telly goes on the blink and so on. That's why I like this place, I can be honest about our circumstances without getting judged.

[Deleted User]

I love it here for the same reason - people just dont understand!!!

I spoke to my friend about this the other day & she just looked at me like I had horns LOL

She is quite happy to always just pay the minimum balance on everything.

I said we are going to be paying out x each month so I cant really afford to do much this month & she was like I really dont get it I mean most people are going to be in debt their whole lives anyway so just dont pay it!

Well I want to be debt free & I want my money to be mine & no one elses

Dxxx

the_storm_fisherman

Deleted_User wrote: »

I love it here for the same reason - people just dont understand!!!

I spoke to my friend about this the other day & she just looked at me like I had horns LOL

She is quite happy to always just pay the minimum balance on everything.

I said we are going to be paying out x each month so I cant really afford to do much this month & she was like I really dont get it I mean most people are going to be in debt their whole lives anyway so just dont pay it!

Well I want to be debt free & I want my money to be mine & no one elses

Dxxx

I know where we all coming from i have a mother and a brother under my roof here and both are as guilty as each other for burying thier heads in the sand they carry on as if nothing is wrong as i am a agency contractor (almost self-employed) i do not get paid if i am sick or holidays and i will only have a weeks notice if things go quite i will be stuffed. although i am ok for now.:(

[Deleted User]

I'm quite lucky I do get sick pay but my work give you hell for being off!!!

I have been off 1 time for 3 days this whole year & they where trying to take me to a disciplinary hearing which meant that I would not be eligible for a bonus for 12 months. I was fuming but managed to get them to change their minds about it.

Dxxx

the_storm_fisherman

Deleted_User wrote: »

I'm quite lucky I do get sick pay but my work give you hell for being off!!!

I have been off 1 time for 3 days this whole year & they where trying to take me to a disciplinary hearing which meant that I would not be eligible for a bonus for 12 months. I was fuming but managed to get them to change their minds about it.

Dxxx

i had that same problem the same day starting a new job i went sick with a serve kidney infection which took 2 weeks to clear enough for me to return to work at first the doc was quite concerned as i had blood poisoning . although i called in a spoke to the bosses each day and i also followed their sick procedures they still wanted to give me a verbal warning which i disputed and won only just. the job only lasted 2 months before the made me redundant.