The final hurdle....time for a new diary

beanielou

Sorry to be dense,remind me of bfp?

Happytogetdebtfree

big fat positive for a pregnancy xx

jtr2803

Hey Choc, remember me?

Going on a bit of a memory lane trip at the moment and went and dug out my super old diary to remind myself of all the lovely people who wrote kind things to see how they are doing

Hope all is well with you and that you get your BFP soon. I remember your total all those years ago and to be at £14k is amazing :j

Choc-addict

jtr2803 wrote: »

Hey Choc, remember me?

Going on a bit of a memory lane trip at the moment and went and dug out my super old diary to remind myself of all the lovely people who wrote kind things to see how they are doing

Hope all is well with you and that you get your BFP soon. I remember your total all those years ago and to be at £14k is amazing :j

Hello lovely!

How are you?? Married I see....I hope you had an amazing day :-)

xxx

Happytogetdebtfree

Hi choc hope everything is ok ? start my treatment soon I should know before xmas if it has worked . Trying to focus on paying down negative wealth. I intend to do some xmas shopping this month yay, I would like it all sorted before I get inplanted x

Choc-addict

Happytogetdebtfree wrote: »

Hi choc hope everything is ok ? start my treatment soon I should know before xmas if it has worked . Trying to focus on paying down negative wealth. I intend to do some xmas shopping this month yay, I would like it all sorted before I get inplanted x

Hey lovely,

Oh my gosh I am keeping EVERYTHING crossed for you. It would make the best Christmas present EVER!

Funny enough I have started my Christmas shopping too and have a shopping day planned for November to do as much as possible.

No news this end. Another particularly bad aunty flo. Dr has given me so medication to take day before my it starts in hope that it stops them from being so heavy. I blooming hope it works

Keep me posted, will be thinking of you xxxxx

P.S - consultant appt got moved to Dec....i'm taking it as a postive sign that someone somewhere knows we're going to fall pregnant before then so changed it ;-)

P.P.S - which pre preg vitamins do you take out of interest? Or does that stop if you are starting IVF?

xx

Choc-addict

Right, feel it's time I got back on the debt free wagon as seem to be on and off it a lot recently.

If I want to stay on it then I think I need to come on here daily and find inspiration and the motivation to clear the last block of debt.

I was going to start a new diary but I always do that and never keep them up so as it stands i'll keep this diary going now until it's 100% gone

Will pop back later with an update of totals and a mini plan. Hoping that coming on here will get me organised too!!!

Choc x

beanielou

Good to see you choc :wave:

Look forward to your wee plan

Choc-addict

Afternoon,

Well I have cleared another debt in full so that now sees my total debt stand at £9495.74 :j:j:j

I can't tell you how pleased I am that it is sub 10k. Still a way to go with the balance, and the debts left are of higher balances so will take longer to save and clear them in full. But, I am heading in the right direction and just need to step it up a little.

I've got into a really bad habit of going to our local shop every day and spending a few quid or sometimes more - you do the maths people :o:o So, my first goal is to stop visiting there. For those of you that don't know, I work from home and nearest town with shops is a drive away (hubby takes car to work) so I think perhaps me going to shop is my 'thing to do' for a break. I need to focus my energies somewhere else and not spending in the shop. Not only is it a complete waste of money but it's not helping my wasteline at all either! :eek:

Going on to my wasteline - oops ....i'm at that frustrating stage where I lose a few, put it on, lose a few, put it on but as hard as I try I can't seem to get myself below 10st 12lbs. At the moment I think I am around 11st 1lb again. I did a 10 mile race at weekend too so you'd think that would have helped :mad:
Anyway, so I need to get some of this weight shifted. It's not that i'm overweight but I like being around 10st 7lbs or less if I can bebothered with the harder work. My normal reaction to this is i'm going to join the gym, go for a few months, lose the weight and then stop and again waste money. Not this time though.....I have pulled out all my dvd's that I have purchased in the past and am going to start doing them. Starting with 30 day shred - 30 days @ 20 mins approx exercise - no excuses really is there??

Onto money - simple really work hard, spend less and save save save towards those final payments and clearing the debts in full. I'm hoping that I can squeeze clearing another in full on Christmas payday. It'll be tight but I will try my best.

Finally - something I need to factor in is a skiing trip we have planned for early January. So far all I have had to pay out for is £80 on flights and nothing else until nearer the time. Yes, perhaps slightly mad since we are trying for a family but I said no the last trip (they went Jan this year) thinking I would be pregnant but sadly it's not meant to be yet......spoke at great lengths with hubby and I only really stand to lose £80 if I fall pregnant and can't go (which would be the best thing every obviously!!) but we both agreed that we can't put things on hold just in case. We can deal with any changes when it happens. I'm hoping and praying it's sooner rather than later but I have to carry on with life or I think i'll go insane (we're on cycle 21 now, of officially trying months, without a hint of pregnancy - longer if you count the rest :( )......perhaps baby is waiting until we are debt free so that all our money can be spent on him/her :rotfl::rotfl::rotfl:Anyhow, seeing our consultant in December if not and i'm hopeful we can move forward with options from then on....preferably a BFP before then - what an amazing Christmas present that would be!!!

Sorry....waffling on a bit now.....it's hard when you don't tell too many people outside of yourselves. Guess that's why virtual friends are sometimes the best kind :A

Anyway, will sign off now and get back to work.

Choc x

P.S any motivational messages re money welcomed to get me back on track and finally be rid of this debt for good!!! x

beanielou

Wishing you lots of motivation.