We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1…4142444647…70

Comments

  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Thank you :) I've slowed down a bit lately but plan to hoik my draws up and come out fighting again soon :)
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • in_need_of_direction
    in_need_of_direction Posts: 7,835 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Everybody gets the math wrong at some point. I know I did last year and was annoyed at having to restate my outstanding mortgage. The thing to focus on is how much less you owe now compared to when you started.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    Thank you INOD

    I aim to pick myself up, dust myself off and its full steam ahead.

    I am not going to dwell on my glitch I will still get to the end of my journey if it kills me LOL
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • in_need_of_direction
    in_need_of_direction Posts: 7,835 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    It'll only kill you if you keep beating yourself up over stuff that really doesn't matter.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    Bobarella wrote: »
    Thank you :) I've slowed down a bit lately but plan to hoik my draws up and come out fighting again soon :)


    Hoiking my draws up too Bob.

    Gonna fight my way to my debt free day along with you :T
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    in_need_of_direction wrote: »
    It'll only kill you if you keep beating yourself up over stuff that really doesn't matter.

    Thank you INOD I will try not to beat myself up over it.

    Just shut up and get on with it. (me not you) :rotfl:
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    nextyeartina wrote: »
    a few debts that are close to being paid off. so I can tick them off my list
    Tina x

    Thanks Tina. I too will be ticking them off one at a time :D

    Good luck
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    Pay day today :T

    Managed to also add some to my EF.

    I have also been thinking about putting a little aside every week/month for fun things. Taking a leaf out of Popstess' book. Also Sourcrates said you need to live as well, not just exist.

    I feel a little selfish though and feel like I shouldnt but Golly do OH and I need some 'us time' even once a month just a cinema trip or a meal out.

    It wont be a lot because at the moment it seems like all of our spare cash goes to the damn CCs. (doesnt seem like, it does) I know I know We got into this mess and we need to get out of it. :mad:

    Maybe I will budget for it and see how it goes. :)

    We are lucky so far that we manage to service all bills etc and debt repayments, even having some to overpay on the snowball, so that's a huge bonus.

    I keep telling myself that once this is all over in approx 30 something months time I will feel like I've won the lottery :rotfl:

    Well my free money hasn't appeared on my CCs. Not sure how this will work. The lady at BC said I would get money credited to my account but will they just put my accounts in credit :think:
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    12_month_challenge wrote: »
    Hoiking my draws up too Bob.

    Gonna fight my way to my debt free day along with you :T

    Horray!!! I can see us now running to the finishing line with our huge granny pants pulled up to our chests :rotfl::rotfl:
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    Bobarella wrote: »
    Horray!!! I can see us now running to the finishing line with our huge granny pants pulled up to our chests :rotfl::rotfl:




    Hoik away Bob I'm right behind ya :rotfl:
    x
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture