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Diary from the South Coast
Comments
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.....how wise you are to take the right path.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Well done for resisting!
The last few times all my friends have been on nights out I have made up an excuse as to why I can't drink and been the designated driver instead- ends up being a free night as everyone buys me soft drinks to say thanks for the lift and I don't miss out on the opportunity to socialise with my mates, win win!
Total Starting Debt August 2014- £38,061
Current Debt- £3600
Mortgage Offset Savings- £600
90.5% paid off so far...0 -
Evening from the Shoreline.
I got thinking today....prior to my LBM, I would just buy whatever I felt like on the food shop-never looking at the prices.
Fill the trolley to the brim and hand over a Credit card. I am now checking all prices and purchase accordingly. I seem (and hope) to be making some life changes to the way I view money. This is a great thing for me as I hope to never end up in the same situation as the start of this year.
Have a good Evening all.
The Cap'n(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 -
C'mon, shiver me timbers!
Invoice cleared so made a payment onto Credit Card 3
50% done and dusted! I have reached the top of the Debt Mountain and now I just have to travel back down to freedom!:rotfl:(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 -
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 -
50% done and dusted! I have reached the top of the Debt Mountain and now I just have to travel back down to freedom!:rotfl:[/COLOR][/SIZE][/B]
I've just had a read through your diary and WOW very inspirational. You've made such amazing progress - congratulations on hitting 50% that much feel incredible! :beer:0 -
That's fantastic! :T:T:T::T:T:T:T
Well done you! Here's to freewheeling down that mountain!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
As the clock strikes 12............
........the direct debits go!
Yes it is that time of the Month that everybody up and down the Country, see vast amounts of money transfer out of their accounts by Direct Debit - me too.
We take it for granted these days and makes money easier to sort although does not make each easier to find!(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 -
Motivation and emergency fund
You should watch what the Squirrels do and learn from them. Squirrels have no ruler, no boss, and no leader . But in the summer, they gather all of their food and save it. So when winter comes, there is plenty to eat..........just like an emergency fund.
Have a good Saturday all from the South Coast. :beer:(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 -
I have watched what they do. And have had to get my car cleaned as a result!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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