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Debt free by 40 -- 19 Months and counting

199100102104105272

Comments

  • Chrysalis1976
    Chrysalis1976 Posts: 682 Forumite
    Hi Steph,

    Firstly belated birthday wishes and secondly good on you, I'm sure you'll make it work for you and what a lovely friend.

    Glad things are going well for you x

    C x
    Loan from Mum £500/£300
    DH computer £270.06/PAID :T
    Kids computer £854.33/46.18 :eek:
    Bike £276.15/118.35
    Overdraft £1192/0 :eek:
    Car £5374.04/316.12 :eek:
  • Fab! So pleased you're doing it :D

    AND 1000 likes on your craft page! :D Brill day all round for you eh! xx
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • baglady1
    baglady1 Posts: 55 Forumite
    I was going to say I agree with the other posters "Just do it" 200 pounds in the scheme of things is not too much. Now I read that your wonderful friend has booked you both in for the course. Go for it Steph, nothing to lose & everything to gain.
  • StressedSteph
    StressedSteph Posts: 2,834 Forumite
    Part of the Furniture Combo Breaker
    Morning all,


    So pleased still about the course on Monday, I told hubby and he is very sceptical on whether I will actually make it work. (Can't beat the support I get here :mad:). Oh well....It is giving me the resolve to make sure I get this up and running and earning, if only to show my doubting husband :o.


    Got a busy day today and tomorrow helping sort out our school summer fayre. Then hopefully things will calm down and I can get my craft orders finished and get refreshing my memory on the Reflexology.


    Wow life is busy. Hope all is good with you all. Thanks again for your amazing support on here and also with my craft business as I know quite a few of you pop over there and comment xxxxxx BIG HUGS xxxxx
  • dawnybabes
    dawnybabes Posts: 3,508 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Don't worry, you will show him !!

    I'd be delighted if my DH did this course, free head massages at home on tap, what's not to like ......
    Sealed pot challenge 822

    Jan - £176.66 :j
  • mfmaybe
    mfmaybe Posts: 1,176 Forumite
    Tenth Anniversary 1,000 Posts
    I think you are absolutely, 100%, making the right choice.

    There are a myriad of reasons why I feel that way, but I won't go onto my feminist soapbox you will be glad to hear :rotfl:. But even just from a practical, debt-repaying perspective it's a great plan. £20ph is not to be sniffed at (though remember you might have to pay tax) and I suspect is a lot more lucrative than the crafts. That said, I don't think you should give that up, mainly because it can fit so well around other responsibilities, so you are really on a positive path now.:T

    What I would say, though, is keep some of the money for yourself. You allocate your husband a fun budget don't you? What about you? You've had to turn down some opportunities recently and one thing I know from reading other diaries, is that a complete embargo on "treats" doesn't lead to long term success. So spoil yourself once in a while :j
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Hi Steph,


    Your doing really well and your posts are so positive these days... well done on the latest money making idea, I'm sure it will be a success..


    I have sent you an email with regards to a possible order, but I know your very busy at the moment so don't worry if you can't fit it in to the timescale..


    Keep going those debts are looking positively tiny now... they will be gone before you know it..


    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Wow sounds like a great opportunity Steph. Wish you luck and ignore the hubby we believe in you.
    That voice in your head that says you can’t do this is a LIAR!

    Debt Free - January 2021 :D
  • First_Trouble
    First_Trouble Posts: 974 Forumite
    edited 11 July 2014 at 4:52PM
    I have a question to ask you all.

    I have been listening to the Dave Ramsey show a lot lately and he is always saying about finding ways to boost your income. My husband is currently doing an extra 2 days worth of overtime at his work because I can't really get overtime where I work I want to do a few things at home that can bring in some extra cash. Could also make xmas and birthday presents too!

    I work full time so it needs to be something that I can work around this. We also rent so I cannot set up a business in my home due to breaching my tenancy agreement. So I have to keep it within the realm of hobbyist.

    I did textiles at school so I know how to sow and how to use a sewing machine although do not currently own one. I am also quite happy to learn a new skill like knitting or jewellery making. Unsure what the initial outlay would be, if I would require any insurances or make inland revenue aware?
    I am running myself in circles trying to think of what I can do. Any advice would be greatly appreciated
    That voice in your head that says you can’t do this is a LIAR!

    Debt Free - January 2021 :D
  • lhead123
    lhead123 Posts: 312 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Wow, what a brilliant friend! Enjoy the course on Monday :) x
    Debt FREE thanks to YNAB
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