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Scrimping behind the scenes - with debt of £31,000!
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Good to see you, happy new year hope you're well.
C xLoan from Mum £500/£300
DH computer £270.06/PAID :T
Kids computer £854.33/46.18 :eek:
Bike £276.15/118.35
Overdraft £1192/0 :eek:
Car £5374.04/316.12 :eek:0 -
Happy New Year
Sorry we're not giving you the best of weather! At least it's fairly mild up here.
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Good to see you back posting. You've been missed.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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Welcome back and looking forward to your update on Monday.I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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I have loved reading your diary...but come back. You've left me wanting more!! Maybe you won big bucks at the Grand National and are off living the high life! Hope you're well xxStarting debt £18,675.63 :eek:
Current debt: £5,000 (16/05/18)0 -
So after falling off the edge of the debt free wannabe world some time ago I thought I would finally check in as things have changed somewhat for me recently.
A very spooky thing happened in that I decided to have peak at the board after a considerable time and saw that reality_check had posted on my diary that day which I read as a bit of an omen to perhaps start to look at my monetary life again in more detail (and thank you for your kind comments – I’m so glad you liked my diary, though it didn’t quite end as I had hoped!)
I have re-read my diary and could heartily kick myself when going through it as I was doing so well and had such wonderful support from other posters.
I began to creep back into my old spendthrift ways back in October 2014 – it started with a rather busy time at work where I was working quite late and this escalated into takeaway meals at night as I was tired and general all round money sloppiness. My diary posting fell away which was a big mistake as this always helped me to stay on the scrimping road, but in a strange way I started to feel I was letting the other posters down – what a weird sort of perfectionism that was! The posters on the debt free diary board are the least judgmental people you are ever likely to meet!
Anyway I drifted on for a couple of months then pulled myself together somewhat by the spring of 2015 and managed to pay off just over half the whole debt by February this year.
:T
Then early this summer I had a windfall when the firm I work for was bought out – I was awarded some share type options through work some time ago and had to exercise them on the buy-out. The resulting payment after tax was enough (with a little over) to pay off the rest of my debt. So – did I go back to my spendthrift ways and madly go through the lot or did I clear the debt? Well I’m very pleased to say that I took the scrimpy path and cleared it all! :T
And so reality_check I didn’t clean up at the Grand National last year (though I had a very jolly time and I think I was a tenner up by the end of the day!), but Lady Luck did smile on me and bash me over the head with her wand in the end!
My mortgage also finished earlier this year and I am now officially debt free and have been so since early summer.:j:)
Accordingly – no more scrimping behind the scenes - however there has been some other matters with regard to impending retirement rearing their heads so I shall still be scrimping for a bit longer, but no longer secretly.
SO - I am now officially saying bye-bye to this diary, but will be starting a shiny new one to help me with the next stage of my financial progress and will be posting soon! Thank you so much again to everyone who helped me with their helpful and humorous posts. I hope you’ll read the next edition!:)Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
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RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Well there's a happy ending if there ever was one! Congratulations - good luck on the next chapter xxStarting debt £18,675.63 :eek:
Current debt: £5,000 (16/05/18)0 -
So good to hear from you Seasidegal and that all is well with you. Excellent news that you are now debt and mortgage free and look forward to reading your new diary as I too have retirement rearing its head in the next fewyears.MFIT #73 - Pay all mortgage off in 3 years[STRIKE] £46,400[/STRIKE]£34,295 PAID £12,1050
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Fab news SSG. Really glad everything worked out for you.I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0
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