My so called friend MR DEBT only has 36 months left to live

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Wishing you and yours (including the Twonk ) a very happy Christmas and may 2016 be your best year yet :xmassign::xmastree::snow_grin



:rotfl: Hes been called a bit more that a twonk these last few days :rotfl:

He just walked (yes walked) to the shops to get Goose fat that I forgot derrrr He will need knee pads soon if he crawls around me any more.

I am very proud about not using CCs though. It just goes to show that with budgeting and being sensible you can really manage without getting into further debt

I will make sure that my overall debt target will come down loads in 2016. Ive never been more determined.

Thank you for your support and encouragement Bear. Its much appreciated :A

:xmassign: Have a lovely day tomorrow and all the very best to you and your family in 2016 :xmassign:
x

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:xmassmile Wow Where did Christmas day go?
Has gone very quickly in this house.

Anyway, actually ended up having a nice day. Was woken up this morning with a nice cup of tea :coffee: From OH aswell.

Dinner went very well and of course I ate too much _pale_
No one even wanted dessert (less washing up)

Nothing really exciting on TV so I'm off to have a well deserved soak in the bath

Hope everyone has had a lovely day
x

Upsidedown_Bear

Hello

Glad you've had a good day. It's been lovely here thank you :rudolf:
Enjoy your bath.

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Lol Bear

Love the pictures.
Glad you had a nice day
X

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Boxing day comes to a close and I am literally vegging out on the settee (again) with crackers and humous dip . Its lethal sitting with the whole pot though :rotfl:

DD and DS both at work today so just me and OH all day. A pretty quiet day it was too. except for the Football on TV :mad:
Still, I got to read a few more diaries

OH has not had a drink for days and wow what a difference. He even admitted it himself saying he actually feels better. This surely emphasises the fact that he is addicted to alcohol mentally not physically. Thats how I feel anyway.

He is still keeping his appointment with the support centre next week though. They apparently deal with a whole range of issues. We will see.

Anyway I am looking forward to next week and into 2016 as I cannot wait to get stuck in with my DF journey.

The more I read on here the more it proves to me how well people have done and the amount of debt being repaid.:T

I have joined challenges and am keeping up with it all (pat on the back for me) My sealed pot is getting heavy now. I just put the odd £1 coin in and its growing :T I even got 2 gold stars from Sue-UU (the lady that runs it) for doing so well :beer:

Should really get myself back to doing housework etc tomorrow :mad: Need my routine back

Hope everyone is well
x

Upsidedown_Bear

Hello, happy Boxing Day :santa2::rudolf:
I think you deserve more than a pat on the back.



To add to your stars from Sue :dance:

Good to hear OH is better without drinking. Hope the meeting is helpful for him (and you).

All good here. Off to the In-laws :eek::rotfl:tomorrow so I'll catch up with you when I'm home.

Enjoy the rest of the crackers and hummus

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Upsidedown_Bear wrote: »

Enjoy the rest of the crackers and hummus

Too late

Thank you Bear and thank you for my gold star :j Enjoy your day at the in laws :eek:

:rotfl: Chuckling to myself at my spelling of Hummus :rotfl:

x

Upsidedown_Bear

We're staying at the in laws :eek: until Wednesday :eek::rotfl:

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Well I never got much housework done today :mad: Pretty much been lazy again.. I find it very hard when OH is here,sat in front of the TV asking for cups of tea all day :rotfl: Anyway at least its not beer, that's a bonus in itself.

Mind you I did keep/steal/conveniently forget about his £5 change from the corner shop this morning. Somehow it ended up in my sealed pot that I'm saving for next Christmas. I dont know how that happened :whistle:

I did pop to the shops for fish food and treated myself to a new pair of slippers 99p in the sale :T Come on surely I am allowed some luxuries


I plan to get up nice and early tomorrow as OH has work for a few hours. I will be able to get on with what I need to do then.

My last CC statement still hasn't arrived for Dec yet. Must be because of the holidays. Anyway I am ready for it so bring it on.

I love doing my snowball payments (the concept of it,not the amounts) :eek:

Hope you all are well and have something nice planned for New Years Eve.

I just like standing with my street door and my back door open at midnight. I let it blow right through and blow the old year out and the new year in. Hope its a super debt busting one for me :T
x

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:j Yay last payment of the month to CCs done. This snowball malarkey is working out just fine for me. I have never been so organised.

Have started a challenge to see if I can reduce my overall debt target by £9000 by this time next year :eek:
( a big challenge) but I think I can do it.

I am actually in front of my snowball calculator at the moment. Just by making small, cheeky payments to CCs.

If I had been this money savvy in the beginning I wouldn't be where I am today. But hey ho it is what it is and so onwards and upwards.


I just checked and I am £36.75 in front of my snowball. Every little helps eh
x