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Diary from the South Coast
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Came home today to find some tesco club card coupons in the post.
Had a right result with them.
Coupon 1 : 50p off a 6 pack of wotsits ( already reduced to £1 in our store so 6 packs for 50p!)
Coupon 2 : 50p of 4 pack milkybars (already buy one get one free so 2 packs for £1)
Feels good getting a deal! :j
Hope everybody has survived Monday. Weather is superb on the South Coast and a brisk walk around the Wharf was lovely.(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 -
Wednesday done, roll on Thursday!
Many people consider Wednesday to not be an actual day of the week, but a well disguised attempt by the government to increase the working week. This theory, dubbed the "Tuesday conspiracy", is gaining momentum with every passing day. The Campaign for Obliteration of Wednesdays (C.O.W.) now has over 8 members, and has been holding protests every other Wednesday for 18 years.(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 -
Love it :rotfl: :rotfl: :rotfl: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 -
Can I become member no 9. I allegedly do 90% of full time hours over 4 days per week with every Wednesday off. Today that meant only being in the office from 930 to 1.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 11st 12lb 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 for now.0
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in_need_of_direction wrote: »Can I become member no 9. I allegedly do 90% of full time hours over 4 days per week with every Wednesday off. Today that meant only being in the office from 930 to 1.
We have a new member! _party_(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 -
What a day..........
When i started this Debt Free Journey I had no idea how hard and challenging it would be.
A good friend had some harsh words to say to me today as I declined the invite to go drinking all day in the Pubs. I explained i was trying to save money but that me no difference.
My Partner has now spit up with me as I guess the money has run out as it were. Not in the sense of paying the bills but being frivolous and blowing money all over the place. She could not/would not grasp the changes and when I turned the tap of money off, she went off!
So this has to be the hardest Bank Holiday I have ever had but I am keeping strong fellow friends. :easter_os(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 -
If friends go because they can't or won't accept your decisions, were they really friends. Someone I had gone through thick and thin with for approx 20 years totally rubbished me for being a party pooper and not being available to socialise on her terms. I got debt free and she had to ask relatives to buy half her house to allow her to keep a roof over her head. It's hard but sometimes it's for the best.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 11st 12lb 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 for now.0
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Sorry to read that GunWharf, but I agree with INOD.
Similarly, I've stopped giving money/buying birthday presents for friends children aged over 21 - 2 of my 3 closest friends are fine with that, but 1 isn't and has therefore stopped presents to my 13 year old DS and has basically decided I'm selfish. :eek:
Some people aren't worth it - they are hard lessons learnt for us now, but bet their time will come in the future.
Keep going, it's a bump in the road but you're doing so well
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 -
Managed to do it for the first time in years, no spend on credit cards for the whole Bank Holiday. The first time in 8 years I have managed this.Resisted all the calls and texts to go out and held steady. Feel very proud of myself for it. :T
Hope everybody else is having a good bank holiday and enjoying the Sun today! Monday is traditionally a shocker day once a week, sometimes just before Tuesday (although it has occasionally been caught fraternizing with Sunday as well). At least no work for me today!
All the best from the South Coast.(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 -
Congratulations!!! :T
You are doing so well with no spending on credit across the whole weekend! And the total paid off your debt so far is amazing - keep going. I will subscribe to your diary.
Keep it up!!! :TCurrent mortgage as at start of diary 14.08.15 - £245,990.00
Mortgage balance as at 04.01.20 - £123905.510
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