I did it.

Makalu · 28 April 2016 at 1:42PM

Thats fabulous... I loved reading this post and hope that this August I will be saying the same. Cannot wait to see nil balance. Congratulations on all the hard work. Don't do it again whatever you do

Willowpop · 28 April 2016 at 2:33PM

Makalu wrote: »

Thats fabulous... I loved reading this post and hope that this August I will be saying the same. Cannot wait to see nil balance. Congratulations on all the hard work. Don't do it again whatever you do

I promise you that August will whizz round really fast.

I remember at new year I was thinking 'I will be debt free THIS year'... I wasn't sure quite when as I wasn't sure what I could pay off when, but I was determined to throw all I could at it to get it gone.
And don't worry, I'm never going back there again. I am in the middle of setting up monthly payments to a high interest account (instant access) so that whenever an expected bill come in, the money will be there to pay for them- home insurance, car insurance, pet insurance, etc etc
My debt was all built up from my OH being ill and not able to work so I was paying bills with cards etc, and then I was just living beyond our means - nothing too fancy, just shopping at Sainsbobs and buying brands, rather than Lidl -that sort of thing. My budget works well now, I use cash instead of card and I have no intention at all of changing. I do NOT want debt again.
Payday tomorrow, and for the first time in about 15 years all the money I earn from both jobs will actually be mine (except for the mortgage). I can't wait.