We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Another little "woohoo" moment
FireWyrm
Posts: 6,557 Forumite
I have paid of an old "friend" today, in the form of a Barclays Credit Card. When I got the darn thing almost a decade ago, it was supposed to be for 'emergencies' only. How much has changed in that time. Back then, emergencies counted as surprise MOT repairs, dinner because we messed up the shopping and any number of other small daily disasters that just got stuck on there and forgotten about.
No more. My old friend is dead and buried, never to be used again since I ritually dismembered him and threw him in the bin. Two more of his friends are waiting in the wings to take centre stage in the firing line from tomorrow but today, I am a step closer to freedom.
YNAB (https://www.youneedabudget.com) is my biggest ally along with Mr Whiteboard for planning meals and Mr FiloFax for general planning activities. Thanks to my new found friends, I have (as of this year) paid of £4876 in total bringing my debt down to sub £9000.
MOTs are now an expected expense. There is no longer too much month left at the end of the food since I have a freezer and pantry stocked enough to make a Prepper envious. Dinners out are also planned and there are no more 'oops I spent it' moments and buyers remorse. I know to the penny how much was spent on each bill, activity and morsel of food. I sleep at night and I dont have to worry about anything. Letters on the doormat are no longer objects of fear and suspicion, but welcome reminders of how far I have come (in the form of bank begging letters appealing to me to take out more credit).
Chin up people. There is a way forward.
No more. My old friend is dead and buried, never to be used again since I ritually dismembered him and threw him in the bin. Two more of his friends are waiting in the wings to take centre stage in the firing line from tomorrow but today, I am a step closer to freedom.
YNAB (https://www.youneedabudget.com) is my biggest ally along with Mr Whiteboard for planning meals and Mr FiloFax for general planning activities. Thanks to my new found friends, I have (as of this year) paid of £4876 in total bringing my debt down to sub £9000.
MOTs are now an expected expense. There is no longer too much month left at the end of the food since I have a freezer and pantry stocked enough to make a Prepper envious. Dinners out are also planned and there are no more 'oops I spent it' moments and buyers remorse. I know to the penny how much was spent on each bill, activity and morsel of food. I sleep at night and I dont have to worry about anything. Letters on the doormat are no longer objects of fear and suspicion, but welcome reminders of how far I have come (in the form of bank begging letters appealing to me to take out more credit).
Chin up people. There is a way forward.
Debt Free! Long road, but we did it
Meet my best friend : YNAB (you need a budget)
My other best friend is a filofax.
Do or do not, there is no try....Yoda.
[/COLOR]
Meet my best friend : YNAB (you need a budget)
My other best friend is a filofax.
Do or do not, there is no try....Yoda.
[/COLOR]
0
Comments
-
:TWell done you:TChristmas 2020 £109
I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
£60062/25384.84 - 13222.60k UE
MY DIARY http://forums.moneysavingexpert.com/showthread.php?t=47686850 -
Nice going FireWyrm
ISA £1675
MiniMoohound savings £3685.86 :T Plus £3800 CTF
'MrMoneyMuststache' my new hero, Martin Lewis my long time hero
Poacher turned Gamekeeper
Roadkill rebel No 52 Aug £1.34p Sept 24p Oct 5p Nov 5p Sealed pot Challenge No 403 £176.66(2014) :staradmin NOV NST No 200 -
Well done. Its a big achievement and I know it feels amazing. I said goodbye to Mr Halifax and Mr Santander in September after nearly 15 years of friendship/slavery and it felt liberating. You should be proud of yourself.
Hope you did the ritualistic disembowelment, card and chip before puting in the bin?Happiness, Health and Wealth in that order please!:A0 -
Hope you did the ritualistic disembowelment, card and chip before puting in the bin?
I cut him into teeny tiny little pieces...aint no-one gonna put Humpty back together again.Debt Free! Long road, but we did it
Meet my best friend : YNAB (you need a budget)
My other best friend is a filofax.
Do or do not, there is no try....Yoda.
[/COLOR]0 -
FireWyrm - I'm a big fan of your sensible, practical and head on approach to life
As an aside, have you ever read Cold Comfort Farm? You might enjoy it - gotta love a practical heroine in a story LBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.310 -
carrielovesfanta wrote: »FireWyrm - I'm a big fan of your sensible, practical and head on approach to life
Thank you. Although, it wasnt always the case.carrielovesfanta wrote: »As an aside, have you ever read Cold Comfort Farm? You might enjoy it - gotta love a practical heroine in a story
Hmm interesting. I'll have to go look it up. I usually read Zombie Apocalypse novels, but hey...perhaps a change of pace might be in order.Debt Free! Long road, but we did it
Meet my best friend : YNAB (you need a budget)
My other best friend is a filofax.
Do or do not, there is no try....Yoda.
[/COLOR]0 -
well done - must have been very satisfying. another one bites the dust Debt at highest - June 2013 - 26k/ March 2018 - 2500
Proud to be dealing with my debts0 -
Well done!! you are where I want to be... !! congratulations :T0
-
All this talk of ritual dismemberment is very topical, today of all days...
Good work, FW
Dennis
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
National_Debtline wrote: »All this talk of ritual dismemberment is very topical, today of all days...
Good work, FW
Dennis
@natdebtline
Ah yes...'bonfire of the [STRIKE]vanities[/STRIKE] credit cards' (with abject apologies to 15th century Italy) or a more modern burning of the bra.Debt Free! Long road, but we did it
Meet my best friend : YNAB (you need a budget)
My other best friend is a filofax.
Do or do not, there is no try....Yoda.
[/COLOR]0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.4K Work, Benefits & Business
- 601.1K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards