Welcome to the Milestone Inn!

January2015

Just cleared one of our debts completely - first one to go

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H A P P Y D A Y S
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Karen777

brilliant brilliant people all of you well done. And AndyfromOtley - One day I hope to be able to pay an insurance years amount up front - so yes that's definitely worth celebrating!

Ellieseleven

Blue_Bird wrote: »

A little bit late, but I started on YNAB last month, (ridiculously addicted to it!) and for the first time in I-don't-know-how-long I was in credit at the end of the month!

Thinking about money in categories has really helped to focus my spending.

I'm not in debt anymore, so my next milestone is my Emergency Fund!

I love YNAB too! It's helping to keep me in check and I update it religiously;) This time of year is always so difficult for us as OH's work dries up for the Winter, by keeping a very close eye on what we are spending we're able to manage on my salary alone:cool:

Blue_Bird

Ellieseleven wrote: »

I love YNAB too! It's helping to keep me in check and I update it religiously;) This time of year is always so difficult for us as OH's work dries up for the Winter, by keeping a very close eye on what we are spending we're able to manage on my salary alone:cool:

It's good isn't it? I ought to be on commission for them, I'm recommending it to everyone! :rotfl:

I used to get to this point in the month and be down to my last £200 but I'm so much more aware of my money before I spend it now.:money:

LittleMissDetermined

Hello,

I've only just been pointed in the direction of timid lovely thread. I have today paid my final payment on the first of my 5 credit cards, it was the one with the highest interest and through determination and daily PADding I have managed to get it to zero :T

On to the next one now, Santander was cleared 9 months early thanks to this forum and the support available, let's see how quickly Halifax can be obliterated!!!

LMD x

Karen777

well done Littemissdetermined! great name too!

LittleMissDetermined

Karen777 wrote: »

well done Littemissdetermined! great name too!

Thanks!!

KirstyO

I know this is mostly about debt milestones, but last week I found out that I had been approved for a mortgage subject to valuation.

This mortgage is:
a) with a high street bank
b) less than 10 months after finishing my DMP
c) less than 4 years into a default on my credit file

The valuation was today, but I think it's proof that a blemished credit file isn't everything. If you act quickly to resolve a problem when it arises, lenders recognise this and behave accordingly!

Also after registering with clearscore and comparing to noddle, there is proof that credit scores mean nothing. Noddle rate me 1/5 and a poor credit score of 563 whereas clearscore rate me 436/700 and stable. I see this as a milestone because I was so obsessed about it all before! I'm not any more, I'm going to make sensible decisions if I need to borrow, which should mean I'm not applying on a whim and therefore not filling my file with applications/unnecessary credit/searches!

kirtsypoos

KirstyO, I'm in a similar position and it is a milestone! We have recently been approved for a mortgage with a high street lender - no default or DMP but very high debt level (that I'm working my backside off to get down!)

Well done, fingers crossed for you!

Learning2Budget

Hit a milestone. We've just slid under 15k debt. Still a lot but only 3 years to go!!! Keep posting guys. It gives me inspiration. L2B.x