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This time I will grip onto the wagon and not fall off again

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Comments

  • in_need_of_direction
    in_need_of_direction Posts: 7,843 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You're already nearly a third of the way through your debt clearance. That's great.
    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.
  • the.new.me
    the.new.me Posts: 195 Forumite
    in_need_of_direction wrote: »
    You're already nearly a third of the way through your debt clearance. That's great.

    I am using all my student loan to pay it off as pre being gamble free I was gambling it all away so I won't miss it one bit. I should be debt free by October this year then I can start saving for a deposit for my housing association house I feel like I'm finally growing up :D
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    edited 26 January 2015 at 6:58PM
    I bought my coat today and I'm smiling because it's my treat that I could never afford before :) it will be here in a few days ready for me and b/f's date night so I can dress up and look nice (don't get the chance for that much) neither of us drink so we are going for a meal and cinema. I'm really looking forward to it.

    Glossed my doors today in the livingroom I love the smell of fresh paint lol,
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    Had a busy few days as I have been painting and learning next terms maths for uni and keeping on top of the housework.

    B/F bought dinner Tuesday night take away I felt a little guilty even though I didn't even pay lol.

    Had some good news I have been given a bursary of £2400 from Uni so I will now be debt free by April apart from my over draft which is interest free as it's on my student account. I am going to put money away in a savings so it's ready to pay when I finish uni.

    I am so excited that finally I can pay everything off by then. Also the tax taken by the hotel fraudulently has been refunded so that's an extra £54.35 that I didn't think I would see for a while.

    Roll on April and debt freedom.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • judi24
    judi24 Posts: 2,272 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    fab news on the bursary!!!! wayhey!!!!
  • the.new.me
    the.new.me Posts: 195 Forumite
    Bought my lunch to uni today chicken and tomato pasta and it was lovely, I need to buy a new flask though as my coffee is cold (luckily I can drink it cold) might have to treat myself to a decent one.

    Been in the library studying for 2 hours (as I have 5 hours to kill between lectures) :mad:

    Got my payslip from work and there's £134.25 more than I thought but I haven't been paid for some overtime I did :mad: it happens a lot so I will get that next payday but it is very annoying.

    By next week hopefully my bursary and wages will be in so I can give mum another payment and bring her debt down a bit more.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    I've just ordered a new flask for uni for my coffee, and it shows how long it is since I last went onto Amazon, the was £40 in vouchers still there from my last birthday (mum bought me them) and then I forgot to spend them, so I am classing today as a NSD as really it was a gift of sorts. I am going to leave the rest on there for when I need new ink cartridges for my printer.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    Paid £156 off to the DWP today I have now officially a third of the way to being debt free :j This is the lowest I have ever been in my debt journey. I am really looking forward to being debt free and then I can start saving for my deposit on a mortgage.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • in_need_of_direction
    in_need_of_direction Posts: 7,843 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great news. You'll be a mortgage free wannabe before you know it.
    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.
  • the.new.me
    the.new.me Posts: 195 Forumite
    in_need_of_direction wrote: »
    Great news. You'll be a mortgage free wannabe before you know it.

    I know I'm so excited, I am hoping that by the time I saved my deposit (and as long as we are still together) me and my b/f can start looking at buying the house I'm in now off the housing association as I have put lot of work into it. :D
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
This discussion has been closed.
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