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Trying to get on track
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You will do what is needed. Have a bit of faith in yourself, just a shock at the moment.
XXXXNevertheless she persisted.0 -
Buffythedebtslayer wrote: »You will do what is needed. Have a bit of faith in yourself, just a shock at the moment.
XXXX
Hear, Hear, well said Buffy
Greying xPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £103.83/£300
Non-food spend August 2025 £14.73/£50
Bulk Fund August 2025 £0/£100 -
Just popping in to say I know it must be hard but just take baby steps
Take care.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Hi INOD. Be kind to yourself. You've had a shock and need a bit of time.
I've appreciated your support over these past weeks, don't be too hard on yourself. I agree with Buffy and Greying, keep the faith - we are all here with you. OSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
Thanks everyone. Your support is amazing and so gratefully received. I would type more but if I did I'd end up blubbing (in a good way! Did I mention I suffer with emotional incontinence?) I'm totally overwhelmed. Will be back tomorrow with hopefully the start of a cunning plan.
Today I am grateful for this site and all who post on her.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0 -
Positive vibes and very best wishes from me too inod xxNothing is so fatiguing as the eternal hanging on of an uncompleted task. William James0
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So a plan is starting to emerge. I think that being accountable for spends on here has helped me control my spending so I'm gonna take the same approach to my sugar. I'll post any activity and log any sins. Thanks you lot, in very tactful ways you've shown me that it's all about choice. I was taking the easy way out by saying it was beyond me. This is on a par with paying taxes. It just has to happen. I'm also going to book another set of bloods for six weeks time to see if this makes a difference. Onwards and upwards.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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Excellent idea INOD. As Greying said your obvious intelligence and determination will get you where you need to be. Will subscribe.
VCCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420 -
Come and join MiT's No Sweet Treats Ban Gang
Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
Ali, thanks for the invite but i'm not sure i'm ready for that.
OK onto money matters. transferred the extra £75 pm from OH, £3.29 cost of meal deal paid for with Boots points, £7.21 saved each month by changing the mortgage payment date and TT it all up to £90.36. updated my sig to reflect knowing this will change tomorrow as the payment goes out then. otherwise, all funds in place to meet the bills yay. am also going to tackle the garden as today's activity / exercise and in so doing will save a few pounds that will be used to OP tomorrow.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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