You CAN do it!

NinjaSavingKat

Hello!

I am sneaking in to say a few words then I am going to disappear again. Today marks the 1st day of my second year travelling the world. I am writing this from Sydney, Australia.

MSE has played a MASSIVE part in my life over the last few years and as much as I haven't posted in a very very very long time it's for a good reason. Whereas I will never leave the MSE family entirely my life is now about something else.

This is what I wanted to tell you all - it gets better.

No matter how much debt you have, no matter where you are mentally - it gets better. You are in the best place possible to tackle your debt - you are surrounded by like minded people but watch out cause this debt busting stuff gets addictive.:p

I should know - I had to clear £16,600. Then raise more in order to travel - about £15,000. That was 1 year and 1 day away now. I have covered 9 countries, taken 17 flights, and my next country is New Zealand on the 2rd January 2016. I have another 3-4 countries to hit this year before coming home for a visit.

Seriously so not give up, get meticulous, know what you owe, set a DFD (debt free day) and most importantly HAVE A GOAL - you are your own boss and I truly believe each and every person that comes on here has the ability to get rid of their debt.

I don't mean to be cheesy in any way - everybody's life is so very different but I never thought I would make it here - never. I was saving for a house so my goals changed and hey presto I am now living out of a rucksack...:T

You CAN do it. Just make being debt free your number one goal.

Over and out - Upwards and Onwards.

NSK.

Siouxsie32

Don't disappear yet! We miss you!!! Enjoying reading about your antics on FB so you've not really disappeared :j

Wise words, as always! Maybe they'll tempt me to stop lurking and get back on MSE boards.

How fab to hear from you again...

PS Looking at my signature, I don't think Ive posted since you left!!

NinjaSavingKat

Hello Siouxsie32!!! Great to see you! Haha! How is all the money saving going though?

Siouxsie32

:hello: (don't know a way to make it upside down )

Uh, well, the debt's mostly gone. A little here and there, mostly from Kat unapproved overspending, but it's very much under control and usually paid off within a few months of said overspend.

I'm in the process of buying a garage. With cash!!! Mostly because parking where I live (new home, expensive rent, no parking permit, need car for work) costs me around £100 per month so it will save on that. Plus, when I move from the area, I can rent the garage out for at least £100 per month.

I've also realised that I'll never be able to buy a flat where I want to live so later this week I'm putting down a deposit on a small flat in an area I wouldn't live in, but if the rent covers the mortgage, and it goes up in value (which my due diligence suggests it will), I'll be able to sell it when I retire to boost my pension. It's still being built so I don't have to come up with the whole deposit for a while so I need to stop with the overspends and get back on a NSK style challenge!

Speaking of which, I must look around the boards to see if anyone is still running the ball busting NSK style challenges that whipped my financial a$$ into shape!

I guess this means I second what NSK is saying - if we can do it, you can too!!

stoplurking

Kat!

Great to see you on here as I can't find your travel blog so was wondering how you were doing. Sounds like you are having a wonderful time and it is truly deserved.

You changed your life around, and many other peoples' too, including mine. May your travels bring you joy forever.

Ps I think your merry band are now Ninja Saving Turtles. X

shyspender

Hey Siouxsie32

Just wanted to let you know that there are some of us still carrying on the teachings of NSK. We call ourselves the Ninja Saving Turtles and someone hosts a month each time.

Here is the link:
https://forums.moneysavingexpert.com/discussion/5349650

And if it doesn't work, look for the heading NST.

shy

shyspender

NSK

Lovely to see you again. Been keeping an eye on things on FB and it looks like you are having a fantastic time.

The New Zealand thing looks epic. I'm sure you will do it though and have a fantastic time doing so!

Don't be a stranger, the Turtles would love to hear from you.

shy

Siouxsie32

shyspender wrote: »

Hey Siouxsie32

Just wanted to let you know that there are some of us still carrying on the teachings of NSK. We call ourselves the Ninja Saving Turtles and someone hosts a month each time.

Here is the link:
https://forums.moneysavingexpert.com/discussion/5349650

And if it doesn't work, look for the heading NST.

shy

Thanks shy :A I think I'll stick my head in and say hello and gear myself up for next month's challenge. Lurking for the rest of November will get me back in turtle mode for December!!!

jackieblack

stoplurking wrote: »

Kat!

Great to see you on here as I can't find your travel blog so was wondering how you were doing. Sounds like you are having a wonderful time and it is truly deserved.

Ditto!
Great to hear that your travels are going well

12_month_challenge

NinjaSavingKat wrote: »

Hello!

I am sneaking in to say a few words then I am going to disappear again. Today marks the 1st day of my second year travelling the world. I am writing this from Sydney, Australia.

MSE has played a MASSIVE part in my life over the last few years and as much as I haven't posted in a very very very long time it's for a good reason. Whereas I will never leave the MSE family entirely my life is now about something else.

This is what I wanted to tell you all - it gets better.

No matter how much debt you have, no matter where you are mentally - it gets better. You are in the best place possible to tackle your debt - you are surrounded by like minded people but watch out cause this debt busting stuff gets addictive.:p

I should know - I had to clear £16,600. Then raise more in order to travel - about £15,000. That was 1 year and 1 day away now. I have covered 9 countries, taken 17 flights, and my next country is New Zealand on the 2rd January 2016. I have another 3-4 countries to hit this year before coming home for a visit.

Seriously so not give up, get meticulous, know what you owe, set a DFD (debt free day) and most importantly HAVE A GOAL - you are your own boss and I truly believe each and every person that comes on here has the ability to get rid of their debt.

I don't mean to be cheesy in any way - everybody's life is so very different but I never thought I would make it here - never. I was saving for a house so my goals changed and hey presto I am now living out of a rucksack...:T

You CAN do it. Just make being debt free your number one goal.

Over and out - Upwards and Onwards.

NSK.

Thankyou so much ninja for this inspiring post.

I am just starting out on my long journey and have had up and down days. But its posts like yours that keep me going. You must be so proud of yourself and deserve all of the nice things you are doing.

Thank you again
x

gelmc

Was just two taking a look on the forums again as I have some debts to clear, yet again. In 2012 you really motivated me in clearing debts and getting a deposit together for my first house. Now, nearly 4 years later I've owned my house for over 2 years, just had my first baby and am about to get married (in a very cheap low key way). Would love to follow you on FB. Just though I'd say hello and enjoy your travels. Also Merry Christmas and a Happy 2016. Will pm you this post too.