In the Lowest Hour

debtfree2016x

If it's any consolation, I was in 7 grand in debt in 2013 from credit cards etc. On top of that I had 3 pay day loans,my income was low and I was only paying back 139 a month for for the first few years, I never thought I would see the end let alone make it to the end.
Circumstances changed and I was able to increase my dmp payments, in 8 months I'll be completely debt free.
I'm so excited.
You will get there

MuffinTops

Hello Sam,
Did you manage to submit your work expenses? Hopefully you're having a lovely weekend and enjoying some valuable improvement planning.
MTxx

moneyonmymindsam

I have decided to try and sort my life out as usual ....I am going to try to finish work at 7.30pm each day on Mon - Thursday and 5pm on a Friday.


Can't start until this Friday as have a deadline to meet this week...typically.


Also going to book Holiday! 24 working days until Holiday but going to try and squeeze some time off work before Easter .


Bit more sorted in the flat but still need to Hoover and Dry up (!)


Might go through the wardrobe and dig out some more selling items...although I really cant have that much more to sell to be fair.


Feel Ok about the debt for now but might space it out until end of March as thoroughly Tired of being skint.


Not looking after myself at all so definitely need to work on that - I will do that in the evenings next week. Am pleased I still have the money reserved ( £200) - but only as plus one took it and I won't see him for ages so got no chance of getting my hands on that before pay day on Friday ...so I guess there are some odd meals going to be eaten this week.


Brought a new suitcase (fleabay)


I will start to update the flat this week I hope. I also need to lose a stone! not sure how the heck that crept up on me ..(!) But need to buy some scales first (!)

moneyonmymindsam

NEW Goals


Pay off all Debt - By March 24th ( next Pay day )


Buy some scales (!) DONE


Book CLT sessions (!) From Friday 26th Feb - 25 March (15) - £75.00


Get Haircut / Hair Dye


HOOVER ( yes seriously start to hoover flat )


Recalculate Debts and any interest to be paid - Due to work Expenses debts going up rather than down :- (


Current to pay off NOW £1,125.00


Work expenses to be claimed 255

abba1772

I think it's sensible to make March your debt free target and take some you time but just think by the end of March you'll have extra pennies to do with whatever you want xx

moneyonmymindsam

Its just so exhausting all this paying it off isn't it. Been having internet issues so not on as often as I 'd like . Project for work completed :-) although another starts tomorrow...grrr (so what is the point of working 14hrs a day lol )


Anyway I'm finishing at 5pm tomorrow I hope - two whole days of me time except for plus one.


PAY DAY TOMORROW ( or Maybe now if its in the bank ? )

moneyonmymindsam

DEBTs Now Down to 400 SQUID ! Whoop Whoop

abba1772

moneyonmymindsam wrote: »

DEBTs Now Down to 400 SQUID ! Whoop Whoop

Fantastic woo hoo I'm so excited for you xx

RosaBernicia

:T:j:T woop woop - Sam, mine is about the same and I will hopefully make df-to-the-banks next payday too... this sounds like an excuse for a joint thread party


Rosa xx

moneyonmymindsam

Really got the debt bug so I paid £150 extra off. Owe £250 ish now


:-) and the holiday all paid end of March