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The end of procrastination and disorganisation.......

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  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Payday today and debts paid. My signature has been updated and most importantly MBN@ is no more.....all paid off.:j:j:j. I've managed it two months before the target date so hopefully I will get the next one done by then instead. It's going to be a tight month but who cares.

    Good old Dave. Smallest to biggest debt is definitely working for me. So happy :D.

    Now tonight I need to crack on with the sewing and get more paid off.

    Have a fab day all.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • greenbee
    greenbee Posts: 17,797 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :beer::beer::beer::beer::beer::beer::beer::beer::beer::beer:
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Thanks Greenbee. Not sure what it is but I have a real craving for real ale. Must be the weather.;)
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • Brilliant getting another one cleared. Well done on finding what works for you.
    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 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    That is terrific that you cleared a debt so early and are ready to tackle the next one. :T You are a brilliant example of finding another way when the way you have been trying is not working. I can feel your energy gain momentum :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Cherryfudge
    Cherryfudge Posts: 13,237 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Fabulously well done! So pleased for you! :)
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Thank you INOD, DIA and cherry.

    I seem to be pulling things together at the moment and have even started to focus on my health and weight which is probably a bigger worry than the debt. Fingers crossed I will be a new woman by Christmas.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • Congrats Parsnip! I too have found the Dave Ramsey method really helpful. I just cleared my car loan and now only have one debt left. Its very gratifying! I hope you celebrated with real ale! I had chips :)
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Well done on being down to one debt DrSpendLittle. I hope to be there soon (excluding mortgage).

    Another sewing job done this morning. It will be delivered soon and payment will go straight off the card. :j

    I picked up another pile yesterday and was informed of another potential customer.:j. Even my confidence is beginning to grow as a shy, introvert.:)

    I will end this year in a better place than started. Six months to go. What can be achieved. I may even become tidy.:rotfl::rotfl::rotfl:
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • redofromstart
    redofromstart Posts: 5,839 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    As far as I can tell there is a lot of demand for alterations and sewing jobs, the people I do know of are fully booked or are on weeks for turnaround. Your reputation will spread I am sure. Do you do any social media? Give out cards with your completed work so its easy for them to pass your number on? I need to have a push and so some marketing but as a opinionated procrastinating introvert I find it far easier to tell others what to do :o

    I cleared a boy room last week in between other tasks, need to achieve far more this week. Only two weeks left till they finish school :eek:
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