Carrot cake in the oven

Shelbi

Evening SS1K,

Have just been playing catchup, I really do love your thread alway makes me laugh and smile...you sound so positive I know you will certainly get that figure under 9k and we will all be there cheering you on every step of the way. Its amazing how much you've done already all that debt busting and you still have time to hunt for the perfect job (which I know is on its way to you) and bake yummy treats! Youre inspiring! Dont worry your going to make your goals...wishing you all the luck possible for more work or a windfall:j...Hope youre having a wonderful weekend xX

liltdiddylilt

Hey lovely.

Sorry you got your figures wrong. If it makes you feel any better so did I. I have all but destroyed my emergency fund thanks to tax credits overpaying me a year ago and not bothering to tell me til now. And other minor spends adding up on top of the trip to Nottingham which was spendy although lovely. So I am back at square one, only with £380 less to play with a month.

Gizza hug. lol.

Less than 9k!! That is a brilliant total you know . Huge hugs and keep going. I may need a Christmas job yet too! xx

in_need_of_direction

Me too. I thought I'd hit 10% mortgage cleared this month and am still a few hundred shout. I think the wishful thinking fairies play with our calculators.

supersaver1000

Oh Lilty, what a right pair we are!

Thanks. We are so close to debt free that I can almost feel what it's like :eek: So sorry that you feel like you've taken a backward step, but really you are doing so well. The bits you've spent will give so much pleasure. You'll get back up there I'm sure of it, my strong lovely Lilty. Here's a great big hug :grouphug:

Shelbi, thank you for your support. I know we are all at different stages, but we are slowly getting there. The support is brilliant, thank you. And I am glad to repay the favour.

White feather, I never thought about the calories. I am not a huge fan of pastry and I'm rubbish at baking it, so hate it, but you are right - how brilliant - a load of calories. Saved.

INOD, you too! Those pesky fairies! :rotfl:

Am really tired tonight, was doing things out and about last night and this morning (helping/volunteering). So am cream crackers now. I made the indian banquet when I got home - tarka dhal, carrot and coconut salad, Rice off course my HM naan. Yum, and not a piece of meat in sight.

Right am off to do some surfing before turning in for the night.

Night all. Have a good sleeps

giblet1979

SS! Sorry to hear about the 'false totals' but you're still doing so brilliantly, and it will come down, I've no doubt about it!

I think you're awesome to do so much, and loving the sound of those recipes. Def need inspiration over here as caved in and had a takeaway last night (fair enough I went halves with the folks, but a totally frivoulous spend that has led to me up in the night with horrible pains!). Why do we do it to ourselves, lol.
It was yummy tho......
Really sensible to stop the overpayments to get Christmas out of the way. So much better to budget for it, rather than get near and realise there is not enough and have to add to credit / overdraft. I think last year was the first one I didn't do that in my entire adult life.
Anyway, what I meant to say was keep focused, loving reading your updates and sending lots of hugs
Gib x

supersaver1000

Oh poor you Gibby. I find that with takeaways and lots of meals out now, I don't enjoy them as much afterwards, but you need the odd one to remind you and when its a 'sharing' meal, its nice that no-one has to worry too much about washing up.

Amazing that you managed a credit free Christmas last year - you must have been so happy, well done, its such a satisfying feeling.

We had our first credit-free holiday a couple of years ago - I enjoyed it so much more knowing that we wouldn't have to pay it all off when we got home. I find when I spend on the credit card on holiday I get a kind of sick feeling knowing its 'for the moment' spending). I know we still had our existing debt to pay at home but saving up and paying in cash for the holiday and taking a wodge of cash for spending actually gave us a budget to stick to. I've spent so many years paying off credit for holidays we've had. In truth this last £9k could be said to be our last holiday in the States - 3 flights, 3 weeks accommodation, 3 weeks hire car, 3 weeks meals and spending including expensive jewellery. It was a great holiday, but will be even greater when I know that we've definitely paid for it all - I could sell the jewellery now, but my plan is to pay off the cards and then look at the jewellery as the start of a new emergency fund.

Thank you for the kind comments and the hugs - its certainly keeping me focussed, in fact I'm off to update my signature right now.

Sending hugs right back at you.

SS1K x

Okay, I'm back and changed my signature - thanks to Gibby - I am aiming to be debt-neutral by next Summer - which means I can count my saleable assets against my debts at that point (car/jewellery) to be debt neutral but still have actual debt. So that the following 12 months will be spent saving to be able to pay off the debts in cash and for building up a safety fund/fund for our new home.

giblet1979

Wow...that's a great target SS. Debt neutral by next summer. How amazing that sounds! So close....can't wait to celebrate with you x

liltdiddylilt

Cannot wait to be here to celebrate debt neutrality next summer!!

Hugs guys xx

Ali-OK

Debt neutral is a fantastic aim for next summer and it's also a great place to be, I can vouch for that one . It brings an element of security knowing you can cover the outstanding debt, but there's still that very conscious effort going on to pay it off and having an Emergency Fund behind you.

Your holiday sounded amazing - the great thing is a lifetime of memories. But you're right even better having one that's saved and paid for at the time.

All sounding very positive. Excellent stuff :T

Purplepenguin88

Yum on the quiche! I'll have to try that one.
Don't worry about the miscalculation, we all do it, and it's amazing news about your imminent debt neutrality! That's such a fab target!
PPx