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Diary from the South Coast
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Fantastic news. Good old Henry VIII.If Plan A fails, remember there are 25 more letters0
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Really good. The next cc will soon disappear due to not needing to make payments on cc1. I think your Christmas deadline is doable.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 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.0
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Wow, that is just awesome :jI 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.0 -
I have paid lots of debt off recently. I had become too complacent about debt over the past few years or so, making piddly monthly payments on a high-interest credit cards while going out and buying more luxury products ensuring my debt is never cleared.
To combat this tendency, I now look at it as a huge emergency, like running around with my hair on fire. Or like standing in an enormous cloud of killer bees, which are stinging every square inch of my body. Occasionally I’ll even have to pull out the old “cauldron full of boiling lava and poisonous snakes” metaphor to properly convey the urgency.
After thinking of these scary scenes,I have developed the appropriate aversion and ability to not spending on a credit card, instead of waiting until I have cash to afford something, while paying down my debt.
It is hard as hell but I am getting there.........(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!)0 -
To combat this tendency, I now look at it as a huge emergency, like running around with my hair on fire. Or like standing in an enormous cloud of killer bees, which are stinging every square inch of my body. Occasionally I’ll even have to pull out the old “cauldron full of boiling lava and poisonous snakes” metaphor to properly convey the urgency.
After thinking of these scary scenes,I have developed the appropriate aversion and ability to not spending on a credit card, instead of waiting until I have cash to afford something, while paying down my debt.
It is hard as hell but I am getting there.........
Love it
Be the change you want to see -with apologies to Gandhi
In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
'On the internet no one knows you are a cat'
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Credit card 1 has now been officially cancelled and received notification in the post. Great feeling, now to deal with the others over the coming months. :T(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!)0 -
Great news on CC1 :j :jI 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.0 -
Ahoy Captain
Well, what fantastic weather we have had. I am resisting spending money and my budget is on track for end of month and into next.
Looking at smashing Credit Card 2 in a couple of weeks. That will be very nice indeed.
Fishing is good at the moment and had some fine catches which is very nice indeed.
Also been awarded my Laundry Blue Badge from MSE, I received over £200 back dated for my clothes and a few essentials for work.
Hope everybody is doing fine on the Debt busting, Christmas will soon be upon us!(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!)0 -
You're doing brilliantly, now you've paid one off it'll go,so much quicker.
Ahoy !Sealed pot challenge 822
Jan - £176.66 :j0 -
All looking good 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.0
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