Debt Demolisher

boxofpaws

Its a lovely day here too. So I am inside, on MSE debt free diaries.


Good to see you maintaining your focus, and being strong against the call of the bingo (love bingo!)

motivated

boxofpaws wrote: »

Its a lovely day here too. So I am inside, on MSE debt free diaries.


Good to see you maintaining your focus, and being strong against the call of the bingo (love bingo!)

Hi BOP

I love reading the diaries. It's amazing how many tips I learnt. I read someone's ideas for debt busting and then I steal them
The inspiration I get is amazing too
M

motivated

Morning world. A damp, miserable day here today. The weather not me

Not much debtbusting news to report just that I've withdrawn £11 from PA with another £6 pending. That will be added to my EF when it arrives. Which I might add is still on track to reach target by the end of September :T

I sat yesterday with good old pen and paper and wrote down everything that we pay out monthly. Seeing it in black and white seems to make it more clearer in my head. The dates that I will be adding to my EF are also written down, this tells me that I will reach my goal by the target date. I will do everything I can to make this happen as it gives me such a boost when I see a plan coming together.

I have joint the PAD thread and will be trying to make small extra payments as well as the monthly one to my target debt. This is the smallest one we have and want to get it cleared ASAP. It's not gaining any interest but this will be another boost for me. Once cleared the money will be allocated elsewhere.

MOT is due on the 30th September and I'm praying that we don't have to spend a fortune on the car. DH is going to check a few things on it before it goes in. (That means he will kick the tyres and lift the bonnet and just look whilst holding his tea) :rotfl:

Back to work for me Friday :eek: I have already planned my lunches for work everyday as my diet has been ok recently and I need to stay focussed with this too. I will need to get back on track with meal planning for home too.
M

motivated

I have now cashed out £17.10 from PA. Hopefully the surveys keep coming. Will be adding this to my EF :T. Every little helps

Narola1976

Hi Motivated...just stopping by to see how you are?

motivated

Narola1976 wrote: »

Hi Motivated...just stopping by to see how you are?

Hi Narola and thanks for popping in.

I haven't been updating my diary as im back at work and the shock is killing me :rotfl:

Not much debt busting news but im looking forward to payday so I can make my EF up again. This feels like its taking forever. I know its not but it just me being impatient again. I have 7 days to payday (not that im counting)

Hope everyone is well.
M

motivated

Hi all

I haven't updated recently as I didn't really have any good news. Until now

:T I now have an emergency fund :T

I have finally got it to where I wanted and also have my Christmas money. I am half way through my car tax and insurance money and will be adding some more to this when DH gets paid

My plan is coming together now and by Christmas I will have 3 out of 4 accounts at their target balances. The fourth one is my F & F account that I will be adding to as I go along. Once I have the car account at its target I will be able to add higher amounts to it.

January will be a new year, new start and some serious debt busting will be on the cards :T. I will only need to add smaller amounts to the car and Xmas accounts as I will have 11 months to build them up again to when we will need them again. PHEW!!! The relief I feel is amazing and with continuous planning, budgeting and discipline we will start the new year on a high.

Looking back to January of this year and I was in a right state, not knowing where to turn and constantly stressed at having no money. It is this site and the fantastic support of everyone on here that has seen me right. Thankyou to all who have spurred me on and supported me on my still very long journey :A
M

Narola1976

That's fantastic.....very well done. It's all coming together.

motivated

Thanks Narola

Look how well you're doing too :T. Stick with it and we can help each other across the finish line. By then I will be hobbling across but we will get there.
M

arsenalbarnie

Well done you, what a difference and it's down to your hard work. I could do with some of your 'motivation'. So glad you're back on the dmp, it seems to 'suit' you. Stay positive :T