Life Begins At Forty....Something
Gretchen2012
Forumite 136 Posts
It's my birthday today.
Over the last couple of weeks I have been thinking about what I have to show for my life. I have a great OH and a lovely DD (15). We also have Mr D our doggie who is 3. We have only had him a couple of months from a rescue centre but he is doing well. We have a nice flat, a lovely garden and finally after four years of waiting, I finally got an allotment last week. But, I also have DEBT.
Of course I do right or I wouldn't be here. I've been a long time lurker on here and have followed some really inspirational threads which got me thinking that I can clear mine. As it stands today it is £10496.16 and since the beginning of June I have already paid £370.22.
And the biggest thing I have changed in the last couple of weeks is that I have stopped smoking. Two weeks and 4 days to be precise. I am moving the money over to a savings account daily and already I have £126.00 in that account. Unbelievable that I just might as well have put a lighter to that every day. I am so determined that I know I won't fail this time and to be honest I feel great.
I'm looking forward to getting started on YNAB and hopefully have some support along the way from some of the lovely people that I know are on here.
It's sunny in Gretchen world today so I'm off to work, out for tea and then try and get an hour down the lottie. More on that to come.
Wish me luck, I need it.
Over the last couple of weeks I have been thinking about what I have to show for my life. I have a great OH and a lovely DD (15). We also have Mr D our doggie who is 3. We have only had him a couple of months from a rescue centre but he is doing well. We have a nice flat, a lovely garden and finally after four years of waiting, I finally got an allotment last week. But, I also have DEBT.
Of course I do right or I wouldn't be here. I've been a long time lurker on here and have followed some really inspirational threads which got me thinking that I can clear mine. As it stands today it is £10496.16 and since the beginning of June I have already paid £370.22.
And the biggest thing I have changed in the last couple of weeks is that I have stopped smoking. Two weeks and 4 days to be precise. I am moving the money over to a savings account daily and already I have £126.00 in that account. Unbelievable that I just might as well have put a lighter to that every day. I am so determined that I know I won't fail this time and to be honest I feel great.
I'm looking forward to getting started on YNAB and hopefully have some support along the way from some of the lovely people that I know are on here.
It's sunny in Gretchen world today so I'm off to work, out for tea and then try and get an hour down the lottie. More on that to come.
Wish me luck, I need it.
TOTAL DEBT - £10866.22/£450.06 PAID O/S £10416.16
CC - £174.69 - The rest is a family loan and other debts which are 0%
August Grocery Challenge - £0.00/£250.00
0
This discussion has been closed.
Latest MSE News and Guides
Replies
Loan 1 - £5800.00
Loan 2 - £610.00
Loan 3 - £1162.00
C/C - £174.69
Debt 1 - £115.00
Debt 2 - £473.25
Debt 3 - £196.10
Debt 4 - £498.50
Debt 5 - £50.00
Debt 6 - £66.00
Debt 7 - £1350.62
I also forgot to say that I have had a repossession cleared from my credit file so its onwards and upwards from now on. Just need to stay on track.
Wishing you well on your DF journey!!!
H xx
Virtual Sealed Pot 2018 £500/£2500 = 20%
You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836:beer:
Since then though have got all my debts sorted and logged just waiting for YNAB xx
welcome to the diaries and congratulations on quitting smoking.
I too use YNAB and think its Fab.
Good luck on the debt busting
Happy Birthday!!!:bdaycake:
Virtual Sealed Pot 2018 £500/£2500 = 20%
You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836:beer:
Usually my birthday money gets swallowed up in running the flat etc so I put it in a different purse to keep separate.
Weather not that good this afternoon so didn't get down to the allotment. Hopefully tomorrow as there is so much weeding to do.
Still feeling positive if a little tired.
Spent a bit of my money saved from smoking in myself and DD. It was nice being able to treat us and I've also been able to buy a new blazer for school for her without thinking about it.
No way will I start smoking again now. Feels so good putting that money away daily and it being there for something we need.
Went to the allotment yesterday and came back with 5lbs of broad beans and a little punnet of strawberries. Think I should have started at the strawberry bed first and I would have had a lot more. Slugs and birds have had a good munch though.
More weeding after work tonight and might try and plant done more peas.
Hope everyone is enjoying the weather.