It's kind of fun to do the impossible

Sholly

HeadAboveWater wrote: »

Well done on your debt under £6k and on sorting your vouchers! Not so well done on the 'over 28 days old' one though!

Sorry to hear about your work. Things are a bit like that with us at the minute, but we don't know how many or when or anything. It's just being talked about and we were all sent a letter stating 'possible redundancies' a week before christmas. Worst case I lose my job. Best case I stay as I am. I'll even settle for an in between reduction in hours if I have to. It's the not knowing thats kinda bugging me!!! Watch this space I guess!

Silly 28-day-rule!! Thank you, it's a nice milestone to pass

Why do they announce these things so close to Christmas? :mad: ...Christmas at work sponsored by the grinch! I hate the uncertainty of it all. When will you find out? I have all of my fingers and toes crossed for you xx

HeadAboveWater

Very true!!

I know. You'd wonder at their thinking. But I did prefer hearing before christmas rather than the first day back in January. Thankfully I'm not in debt and hadn't overspent for christmas, so I didn't feel the need to return anything to make sure I've money set aside!!

There's apparently a meeting this afternoon so will maybe find out a bit more then.

Sholly

LauraJo wrote: »

Great, thanks for the advice LauraJo, will give them a ring.
WOW well done!!!! Your target is so close!!!! If you don't mind me asking, how have you done it? Have you been a hermit for a few years or have you managed all of this and been able to have a life too?

Cheers! Its been a real combination of work and a lot of luck. I had a massive mortgage on a really high interest rate, we saved the best part of a grand a month when the rates went down. Since we were used to being skint we thought we would carry on and put that in the mortgage. I then negotiated a 10% payrise at work and that went it. We got a lodger & changed energy bills. I get a bonus most years that pays for a holiday but that now goes in. I had some shares at work that did really well so they are all going in. Extra work when we can, no presents really and scrimping here and there!! Its amazing how much money we used to waste!

I'm lucky because all this means the end is in sight and then I can start to party again (all because people said I couldn't do it!!!)

The recession and lower interest rates definitely worked out for some, my mortgage dropped by over £100 per month when my fixed rate ended but I needed that £100 so I just paid the basic mortgage payment (I think I mentioned it earlier but I was paying out more in bills and childcare etc than I was earning - that was a scary time!!). It sounds like you've made sacrifices though e.g. sharing with the lodger, but it's a means to an end and you've done really well to clear so much of your mortgage. I was reading in the paper earlier about how much food people waste, a lot of people are the same with money and until you sit down and really scrutinise how much goes in and out, it's hard to keep track. It's the odd £1 or £2 that all adds up.

Your fantastic story just shows that you can do anything if you set your mind to it, you've done so well, bet the partying will be AMAZING!!!!xx

Sholly

HeadAboveWater wrote: »

Great to hear your story LauraJo! Nothing is impossible when you put your mind to it, huh?!

Oops, I repeated you in my response...great minds!!xx

Sholly

HeadAboveWater wrote: »

Very true!!

I know. You'd wonder at their thinking. But I did prefer hearing before christmas rather than the first day back in January. Thankfully I'm not in debt and hadn't overspent for christmas, so I didn't feel the need to return anything to make sure I've money set aside!!

There's apparently a meeting this afternoon so will maybe find out a bit more then.

You're more than welcome to take some of my debt if you'd like some!! :rotfl:

Let us know how it goes xx

HeadAboveWater

Sholly wrote: »

You're more than welcome to take some of my debt if you'd like some!! :rotfl:

:rotfl:

I left school then started work in 1999. June 2011 I handed over my final debt payment (yes it was only to mum by that stage but that's not the point!!)

So I would love to help you out but am quite happy to be saving my money now!

Sholly

HeadAboveWater wrote: »

:rotfl:

I left school then started work in 1999. June 2011 I handed over my final debt payment (yes it was only to mum by that stage but that's not the point!!)

So I would love to help you out but am quite happy to be saving my money now!

I agree - money owed is money owed.

well you enjoy them! Are you saving for anything specific?

xx

HeadAboveWater

A house deposit :eek:

But it'll take years for me to get anything worth of talking about at the speed I'm going Well, 3 years or so! Basically not quick enough for OH though. But why he's pushing for buying now when he already practically owns the house we live in I'll never understand!! Men! :mad::rotfl:

Sholly

HeadAboveWater wrote: »

A house deposit :eek:

But it'll take years for me to get anything worth of talking about at the speed I'm going Well, 3 years or so! Basically not quick enough for OH though. But why he's pushing for buying now when he already practically owns the house we live in I'll never understand!! Men! :mad::rotfl:

:j house deposit :j

We probably understand them just as much as they understand us!!!

xx

HeadAboveWater

:rotfl:

More! I don't think they understand us at all. Us with them just a teeny tiny little bit!

Happy Friday