Mini achievement

Determined_diva

I know it might not sound that big - buti am really proud to say that I haven't used a pay day loan for a month!!! It's really making a difference since paying money shop and wage day advance off last month. (Owed £875 in total to them)

I've suffered a bit this month but I now feel like its worth it! Can put that debt onto something else!

Wo else has a mini achievement that they wish to share?

DDx

NinjaSavingKat

So proud of you!!!!

My credit card ( £1000 ) and overdraft ( £1000 ) have been cleared as I wanted before the end of the year!!!

Determined_diva

Thanks! The NSD challenge definitely helped so thank you!

I'm also now under £10k ... Woo single digits (well in 1000's anyway)

Well done you now go into ny with 2 less debts to worry about! I bet like James brown you have that "I feel good" feeling right?

DDx

abundant1972

That is amazing!!! Well done!

I too fell trap to Wonga - this time last year I was taking one out to fund a New Year's Eve outing that I couldn't really afford - and an outfit I didn't need and never wore again...

This year I have savings, and have budgeted for NYE. I have £176 in my Money Pot (which is for treats, clothes and spends) - but it's money I've saved and made cutbacks for... whilst still clearing my debts.

Now I get texts from Wonga and it feels good not to be relying on them to make it through the month <must delete my details from them!>

Well done again... It's a great achievement!!! Congrats on passing the £10,000 milestone... I will break it next month too. We're all doing amazingly well. Hoorah for us

:T

Determined_diva

That's right abundant! Well done to us!! Sometimes we think of the big things and not the little things that will help us achieve the big things!

Here's to debt free life.... We are coming to get ya!

harrys_dad

Well done all of you, and keep it up as you move towards a debt free future.

Mort

To paraphrase the words of Lao Tzu "A journey of a thousand pounds starts with one penny".

And in the words of young Mr Grace "You’ve all done very well".

Keep up the good work.

jazzypinkpuppet

ahh well done, you are right to be proud xx

Treadmill

Well done, give yourself a pat on the back. My achievement is the same as yours, I am four weekly paid and have just got to payday without a payday loan too. The first time in three years, I have never got into difficulty paying but I scared myself stupid when I was eventually borrowing £1100 from Wonga only to pay back £1340 on pay day then borrow it again. It makes me sad to think of he 1000s I have paid in interest over the years.

I am really pleased for you and long may your progress towards a debt free existence continue.

Tiglath

Well done everybody I've paid off 1/3 of my debt as of yesterday - still got a long way to go till I'm free but glad to hit that milestone for the end of the year I've got the paying-off bug and there's no stopping me now - heads down for the next 18 months. I've successfully navigated through the work expense of Christmas with very little involvement in the festivities. One colleague even told me he's consolidated his debts into a loan so he can carry on spending as usual (and he was the worst one for putting public pressure on me to join the expensive team lunch at Marco Pierre White and pay for the privilege). Glad that's no longer me

FallenArcher

That is amazing, it's so hard to break the cycle of those things. Bet you'll have a much nicer Christmas without that hanging over your head

Congrats too and breaking the £10,000 barrier- it feels nice huh!?

My target was to get to just £7000 debt before Christmas, didn't feel achievable at all, however this week we're now at just £6000!! So that's my achievement Feel so proud of our efforts since LBM in October.

Have a great Christmas one and all. :beer: