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180 days to my debt free world....

1235

Comments

  • Choc-addict
    Choc-addict Posts: 1,894 Forumite
    edited 6 March 2014 at 11:11AM
    Ok, I can't control some things in my life but I can control clearing this last bit of debt!

    At the moment my debt total stands at £6838.34

    Hubby and I sat and worked out a relaxed approach to clearing it in full by sept/oct this year. Based on allowing more money into household and no overtime. We're trying to eliminate as much stress as possible from our lives so figure a slower more sensible approach was in order.

    Having said that, I will still do overtime now and again as work calls for it and there's nothing wrong in having a few extra pennies, especially as we don't know for sure how much extra pennies we'll be spending on our dream of having a family. I'm hoping none, that a lovely miracle will happen all on it's own.

    So, now we've a plan in place I can concentrate on saving money as we go along, organising our finances more, being frugal and you never know - I may even bring that debt free date forward!

    Positive on plan so far, £400 ppi back from egg and put myself down for overtime sat as hubby working so may as well earn some pennies. Not too bad a effort eh?!

    Also working on my fitness and general well being. I've neglected it of late with so much going on. Last night I went for short run so feel good for that. Aiming to do some form of exercise today. Healthy eating is a must! Oh and a friend has booked us in for some reiki on Sunday - never had it before and sceptical of such things but now of mindset, nothing ventured nothing gained and it's another step towards being kinder to myself :-)

    Have a good day all xxx
  • beanielou
    beanielou Posts: 99,575 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Reiki is great.
    I hope you enjoy it.
    The first time I had it I felt like a different person :) xx
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Choc-addict
    Choc-addict Posts: 1,894 Forumite
    beanielou wrote: »
    Reiki is great.
    I hope you enjoy it.
    The first time I had it I felt like a different person :) xx

    Thanks, I'm looking forward to it. Nice to hear from someone who has had it x
  • OrangeFairy
    OrangeFairy Posts: 2,630 Forumite
    1,000 Posts Combo Breaker
    Hi Choc

    I hope you are okay and the debt busting is moving forward!

    Thinking of you

    OF xxx
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


  • Choc-addict
    Choc-addict Posts: 1,894 Forumite
    Hey OF,

    I'm ok thank you. Hope all is well with you.

    Debt busting is going incredibly well - just got some more PPI through. Waiting on cheques to cash but all being well, I shall have just two debts remaining and less than 4k!!!! :-)

    xxx
  • beanielou
    beanielou Posts: 99,575 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fantastic news for you :j
    You had your reiki yet?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Choc-addict
    Choc-addict Posts: 1,894 Forumite
    beanielou wrote: »
    Fantastic news for you :j
    You had your reiki yet?

    It's brilliant to know being completely debt free in a matter of months is now actually possible!!

    I found reiki very strange but in a good way. Can't really explain it but I left feeling a lot lighter (not in weight sense). I am trying to go with it and not be sceptical! Lol.

    Xx
  • Choc-addict
    Choc-addict Posts: 1,894 Forumite
    Bit of a short update....thanks to a large ppi payment and my hubby as of 15thApril I officially will have no debt in my name!!!!!!
  • GunWharf
    GunWharf Posts: 308 Forumite
    100 Posts Uniform Washer
    Choc-addict wrote: »
    Bit of a short update....thanks to a large ppi payment and my hubby as of 15thApril I officially will have no debt in my name!!!!!!

    FANTASTIC! Well done :j
    (Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:

    C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
    Secured Loan     WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000

    DEBT TODAY = £6,000     (£28,000 PAID OFF SO FAR!)
  • beanielou
    beanielou Posts: 99,575 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Excellent news for you both :j :j
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
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