not giving up and not giving in

hi im 28 years old and live in the south wales valleys. im apart of the debt free by Christmas 2015 thread. I had £4080 in debt and managed to get it down to £3575 in the past 2 months or so. im on a low income of on average 10k to 11k a year and the debt has bogged me down for years.


im setting up this new diary to keep me on track because im not giving up on being debt free and hoping to start saving for a house to be paid in cash and im not giving in to all those out there who say being debt free is impossible.


if your one of those people who put people down and say you will never be debt free, do yourself a favour and get a life!!
Debt free in 2016. /£2935
#151 745/4180 here's to being debt free in 2015 :mad::xmassign:
emergency fund #110 £220/£1000:(:eek:[/

Replies

  • thriftylassthriftylass Forumite
    3.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Forumite
    Good luck on your journey! If you put your mind to it, and you sound very determined, you can do it.
    DEBT 01/23: CC1 4637 Family 1380, Extra money earnt 116.41, NSDs 20/25, sober etc 25/31
  • bogbrsh250bogbrsh250 Forumite
    68 Posts
    on target this month to my first target of £1000 in debt paid off, hopefully by the end of the month.
    Debt free in 2016. /£2935
    #151 745/4180 here's to being debt free in 2015 :mad::xmassign:
    emergency fund #110 £220/£1000:(:eek:[/
  • starting to completely believe I will be debt free by the end of the year. I have about 4 more weeks to pay off one more debt and then im saving up £1000 asap for car repairs and y mot due in October with spare cash to fall back on.
    Debt free in 2016. /£2935
    #151 745/4180 here's to being debt free in 2015 :mad::xmassign:
    emergency fund #110 £220/£1000:(:eek:[/
  • bogbrsh250bogbrsh250 Forumite
    68 Posts
    Plowing money to be debt free ASAP and nearly hit the £1000 mark for money paid off.

    As good as it feels to be getting somewhere my depression is playing up at the min. Please keep me in your prayers
    Debt free in 2016. /£2935
    #151 745/4180 here's to being debt free in 2015 :mad::xmassign:
    emergency fund #110 £220/£1000:(:eek:[/
  • rockabillygirlrockabillygirl Forumite
    197 Posts
    Xmas Saver! Mortgage-free Glee!
    Forumite
    Sending you positive and happy thoughts. Your doing brilliantly!
    It will all be ok in the end - if it's not ok, then it's not the end!
    Saving for Christmas 2019 #27 total £62.00
    Sealed pot challenge 12 #32 total £67.50
    Mortgage paid off.
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