30 months to no debt - an Optimistic Journey

brizzledfw

Keep on going SBO...you are doing so well and it's ever upwards (even when it doesn't feel like it) and out of the gloom

X

HeadAboveWater

'Sometimes that mountain you've been climbing is just a grain of sand'

PinotGrigio41

Everything ok with you Skint ? xxx

Skint_but_Optimistic

Month 21 day 27

The longer days are here, I have been in the garden!!!! expenses are paid!!! Both me and DH jhave new shiny 0% cards too, my expensive debts are going to be gone and I am HOPEFUL we can reduce our DFD significantly.

My job interview went ok. I have had a further one and I am onto my third one - if i do get it i will be minted.

I WILL be back with news asap. Just waiting of DH 0% card first then mine then and I will know where we are .


Hope you are all ok|!!

BTW- the tv has also blown up, its a 10 year old rear projection one. Urgh!!!

Skint_but_Optimistic

Month 21 day 28

Spent a sunny day in the garden, planting and digging and sorting. I am going to complete the top end of the garden and have it more or less levelled out and then at the end of the summer the shed will be sited there, great for anyone who rents this house from us.

DH and I binning 4 credit card accounts between us. He is moving his capital one and Barclaycard initial balances to his Halifax 0% and closing the accounts. Im going to balance transfer and close Vanquis and Capital one and I am going to pay off Aqua, when my Barclaycard Platinum arrives we will use it for monthly spends and pay off in full.

So in addition to the Vanquis Capital One and Aqua, I will clear P2P and put as much as I can to my TFS loan (theres three months at 0% for purchases) Then I will just need to stay disciplined and sort it.

I am looking forward to having the chance to be debt free earlier.

I am travelling again with work next week so have got a company amex ehich should help offset things a little.

Will be finishing the digging tomorrow. Hope everyone had a lovely day xx

please-let-me-be-lucky

All good stuff :T Xx

brizzledfw

Good going SBO... Very impressed by your energy to get things sorted.

Hope travel goes well next week

*Robin*

please-let-me-be-lucky wrote: »

All good stuff :T Xx

^^^ Seconded - yay! :T :T

Skint_but_Optimistic

Month 21 day 29
Cheers lovelies
Only one day of month 21 left and I am feeling fairly happy. No holiday plans for me, but the taste of sunshine has been very nice.

The three month plan will be written... keep paying debts.... decoarate upstairs loo..... get gas in.... get patio area and shed sorted.... begin all the other decorating...

Skint_but_Optimistic

Month 21 day 30

PAYDAY and I made my 1000 in May in spades. Previous debt total was 24900 and see the sig!! Next month we will be clearing some more and things will shift so much more quickly with the assistance of 0% - hurry up and come!!!

Was at church last night and have to sort loads tonight as I am away until the end of the week from tomorrow, in the Sarf.

The weather appears to have gone back to mizzley. I hope it breaks and we get another taste of sunshine.

Goings on in the madhouse continue.

1. the dog ate the hose. She chewed right through the middle. Its really annoying!
2. My son has given his dad a free pass from Jesus, because he goes to church and he will hold dads hand on the way in.