2014 - The Final Furlong

DebtFree2012

That's just over a month away!!!!!!!!!!!!!!!!!!! I know that's not brain science LOL but OMG !!!!!!!!!!! wow and well done.

Right place, right time!

Getmeoutofdebt

Wow you are doing incredibly well!! Fingers crossed for September!! Does it make you feel more desperate to gain every last extra penny now you are so close? I think in my last month I'd be that excited I'd be going without food to make it come quicker! ha ha!!
Well done! :T

LAM2011

DebtFree2012 wrote: »

That's just over a month away!!!!!!!!!!!!!!!!!!! I know that's not brain science LOL but OMG !!!!!!!!!!! wow and well done.

Right place, right time!

I know! and Thank You.

Getmeoutofdebt wrote: »

Wow you are doing incredibly well!! Fingers crossed for September!! Does it make you feel more desperate to gain every last extra penny now you are so close? I think in my last month I'd be that excited I'd be going without food to make it come quicker! ha ha!!
Well done! :T

It does actually lol! thanks.

ScattySkewbald

Fantastic news - well done!!!!

LAM2011

Thanks Scatty

LAM2011

So after monthly Direct Debit tomorrow and my overpayments after ebay item selling I had £850 owing so I have drawn £400 out my emergency fund bringing the balance owing to £450 which hopefully I can off when I get paid middle of August :j:j:j

DebtFree2012

Wahooooooooooooooooooooooooooooooooooooooooooooooo

So so pleased for you!

Will you stay around on the diaries?

LAM2011

Oh definitely - I am so scared of going back to my old ways and I have noticed OH's credit card and overdraft sneaking higher and higher so want to help him get them under control.

I want to be able to save and not waste money. I also want to wait and see you and my other DF friends achieve their goals

DebtFree2012

That is such a lovely thing for you to say you're very kind.

So what will you be saving for? More emergency funding first or something specific?

I'm sure you won't go back to your old ways - you will have this diary to remind you how hard you've worked.

LAM2011

Nothing specific - just to save. I joined these forums in desperation just after Christmas 2010.

It was when I stumbled across these forums and for the first time properly understood the extent of my credit card debt (then about 5 cards all maxed out) and worked out that I would never actually be DF at the rate I was paying them off due to interest that reality struck that I had to do something.

My OH knew I had debt - one of the credit cards had paid for colic surgery on a previous horse that I had that had no insurance - the rest was unexplainable really - and he didn't really know the true amount. He has always helped here and there and knows I am nearly DF.


Gosh rambled on here a bit - so yes - worried I might rush off and buy a horse lorry or a holiday or something else that will not hold value so want to be very careful - I am heading quite quickly to 50 now and have nothing in the pot. I do own a house that has tenants in and over equity so would like to overpay a bit on that but mostly keep up my money saving ways.