2,120 Days to Debt Freedom!! 6 July 2015 at 7:52AM in Debt free diaries 52 replies 3.5K views

Emzilla

I needed a bit of a kick up the backside, so thought a new diary might help.

I've worked out that it's exactly 2,120 days until my 40th birthday, and despite having Cystic Fibrosis, I plan on still being here and going strong by then.

I also think that's a realistic target for me to get debt free (I owe around £42k ). I've got a bucket list and would like to complete that in this time too.

A little about me: I'm Emily, 34 and I was diagnosed with CF when I was around 6 weeks old. I'm fairly lucky with it because I'm not in and out of hospital all the time, but I've been a bit slack with my treatments recently, so need to make an effort to be compliant.

I'm engaged to my OH, who I have been with for 14 years. I've also got a part-time job in a local shop. I wish I could have a high paying job and career, but my illness doesn't allow it. I think I do pretty well with my 18.5 hours a week (usually more with overtime).

So there we have it. I'll be back with my bucket list and some other stuff.

Emz xx

Emzilla

Bucket List

1. Watch a match at the US Open
2. Watch a match at the French Open
3. Watch a match at the Australian Open
4. Watch a Davis Cup match involving Team GB
5. Watch a match at a Masters 1000 event
6. Go to San Diego Comic Con
7. Go to a film festival
8. Attend a movie premiere
9. Learn to swim
10. Finish my cross stitch picture
11. Not owe a penny to anyone
12. Get an Apple MacBook
13. Go to Rome
14. Go to Ireland
15. Go to Venice
16. Go to Hawaii
17. Go to Washington
18. Go to San Francisco
19. Go to Las Vegas
20. Go on a cruise
21. Fly first class
22. Stay in a 5 star hotel
23. Order room service
24. Take Ellie and Kian to Disney World
25. Get my teeth fixed

Emzilla

I think it's going to keep me motivated if I do weekly to-do lists. They'll start on Monday and must be completed by end of play on Sunday.

Week commencing 6th July:

1. Complete all meds and treatments (1/14)
2. Complete 10 jobs on eMystery Shopping worth £20 in total (0/10)
3. [STRIKE]Email letting agent about tenancy renewal (due on 19th and not heard anything yet)[/STRIKE]
4. Find passport (won a weekend break to Austria and have no idea where my passport is - could save myself a lot of money if I can find it!!)
5. Redeem from Swagbucks
6. Redeem from Bingoport
7. [STRIKE]Chase up missing £15 voucher from Bingoport[/STRIKE]
8. Enter 700 competitions (0/700)
9. Clean out degus
10. [STRIKE]Order new prescription pre-payment card[/STRIKE]

That's it for now, I'm sure more will be added as the week goes on.

I'm working 1-8 today and have got a few hours overtime this week. Best get on with my meds.

Emz xx

Doris17

Good luck Emz,your bucket list sounds amazing. xx

beanielou

Happy shiny new diary

[Deleted User]

I love the new diary, Emz. The title is so upbeat and motivating:j

We're with you all the way, not just in fulfilling your aim to be debt free but in ticking off as many items on your bucket list as possible:beer:. Knowing you, it won't be lack of will, effort or determination that stops you doing them all, it will probably be because of lack of money. There just never seems enough to go round, does there:(?

You've inspired me to work out how many days it will take me to become debt free:T, though life has a nasty habit of throwing a spanner in the works and derailing even the best laid plans:mad:.

Go Andy today! He'll have his work cut out with Karlovic so I hope his shoulder problem was just temporary. He should beat him though and the home support and atmosphere promises to be brilliant.

Emzilla

Thanks for the good wishes everyone

Crossed a few things off my list already, but they were the easy ones. It has taken a bit of time to do my meds this morning, so won't get the chance to do anything else today (got to get ready for work).

I'll concentrate on the eMystery Shopper jobs tomorrow and try and get those finished.

CBC - I hope you enjoy watching the tennis today. Please cheer Andy on for me, as I'll be at work

Emz xx

Emzilla

Well, I'm going to have to get into my angry mode today. 15 minutes before I was due to leave for work yesterday, I received a call from the letting agent. Conversation went a bit like this:

Letting Agent: Hi Emily, do you want to stay at the property then?
Me: Umm, yes, of course.
LA: Well it has been put back on the market and re-let.
Me: WHAT???????????!!!!!!!!!!

We've had no notice, no letters asking if we want to stay - absolutely no communication from them whatsoever. The worst thing is that they must have been showing people around this place without us knowing, just letting themselves in when we've been at work or out elsewhere!!

To say I was livid is an understatement. The woman I spoke to didn't know why it has been re-let to someone else, because the bloke that dealt with it wasn't there yesterday. I unfortunately didn't have time to argue as I had to be at work. A message was left on my voicemail asking me to call them back, which I will be doing at 8.30am on the dot when they open this morning.

So I have no idea whether we are being chucked out or not. All I know is that we have been good tenants, always paid our rent on time for the past 2 years, always been around for inspections, workmen etc, and we get treated like this.

:mad::mad::mad::mad::mad::mad::mad::mad:

[Deleted User]

Emz, this is appalling treatment:eek::mad:

I just hope you can get it sorted out quickly but it must be giving you and OH so much unneeded stress.

Surely they can't just do this without prior notice of their intention to relet. There must be someone you can get to fight this decision. Do tenants have any legal rights?

Not only did they fail to inform you (they surely have records that they did if they trot out the old excuse/lie that they sent emails/letters etc which you ignored) but they brought strangers into your home uninvited. Isn't that a privacy issue?

Thinking of you today, Emz. If anyone can get it sorted it will be you:A

Emzilla

carbootcrazy wrote: »

Emz, this is appalling treatment:eek::mad:

I just hope you can get it sorted out quickly but it must be giving you and OH so much unneeded stress.

Surely they can't just do this without prior notice of their intention to relet. There must be someone you can get to fight this decision. Do tenants have any legal rights?

Not only did they fail to inform you (they surely have records that they did if they trot out the old excuse/lie that they sent emails/letters etc which you ignored) but they brought strangers into your home uninvited. Isn't that a privacy issue?

Thinking of you today, Emz. If anyone can get it sorted it will be you:A

Thanks CBC. I'm just waiting for that clock to hit 8.30 and I'll let rip at them!!

We've looked at the property advertised on their website and it says the flat is available 'mid July'. So clearly there are some other people who are all packed up and expecting to move in here in a couple of weeks!!

We've had no notice from them, and I think by law they have to give at least 2 months (my old place was 3 months - the contract we have now just states 'reasonable notice'). They also have to give us at least 24 hours notice 'in writing' before they enter the property. They also need our permission to do so, which they clearly didn't get. They have basically broken the law.

Problem is now, and I know my OH feels the same, I can't trust them. I'll constantly be thinking 'are they going to come over and let themselves in?', 'are they going to re-let the property from under our feet without us knowing?'.

I'll keep you updated!!

Emz xx

Grumpelstiltskin

Em Post your problem on here.


http://forums.moneysavingexpert.com/forumdisplay.php?f=16&order=desc


They will help you.