PoorGuyNextDoor to RichGuyNextDoor!!

PoorGuyNextDoor

Iv done a debt calculator check which is showing another 36 months till my debt free date at the rate iv gone at the last 3 months. However im sure stepping things up i can get there quicker. Our cable tv we cancelled and now have it fixed less than half price we were paying with two months credit in our account as a thanks for staying so im glad we sorted that out as over the next year that will save us £800!!! Mental savings for one phone call!!

Family member cuts my hair for nothing! So thats handy. Medical i cant say iv had any expenses there for a long time? My dentist lets you pay things over 12 months with no interest if its over £300.

Im concentrating on the emergency fund now, i find right now im back at 0 again after paying to all my loans, outgoings etc for September so i should end the month with about £600 in emergency fund...its a start! Long long way to go so i better crack on!! Thanks for the reply and the pm's iv had sent. Il make more effort to post more often now.