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Debt Free Year

edited 10 December 2019 at 10:08PM in Debt Free Diaries
2.9K replies 217.7K views
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Replies

  • NicnakNicnak Forumite
    3.5K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    It hasn’t arrived yet. It says dispatched but I guess with Christmas, it’s taking its time. Xx
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071

    Decluttering target 2165/2020 items
  • NicnakNicnak Forumite
    3.5K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    No spend day today.
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071

    Decluttering target 2165/2020 items
  • NicnakNicnak Forumite
    3.5K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    No spend day, no alcohol day.
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071

    Decluttering target 2165/2020 items
  • DebtFreeDuoDebtFreeDuo Forumite
    1K posts
    1,000 Posts Second Anniversary Combo Breaker
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    Hope you're doing ok, well done on the NSDs.
    Change the way you see things and the things you see will change
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.5K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Nicnak wrote: »
    I'm seriously considering just giving up and starting in January. I have tried so hard, but it seems like so much has stood in my way in the last few days. I still have parts of the wedding to pay for as well. x

    Don't give up or you will go mad and spend a fortune. You've been doing so well.

    Lower your debt paying expectations for December, but don't get carried away with spending or you will regret it.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • NicnakNicnak Forumite
    3.5K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    NSD and Alcohol free Day

    It’s taking a lot of strength to not just go f it and spend.
    X
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071

    Decluttering target 2165/2020 items
  • 117pauline117pauline Forumite
    740 posts
    Ninth Anniversary 500 Posts
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    However time to reframe......

    How many NSDs have you had in the last 3 days? Oh yes, that will be 3.

    A debt free journey isn't straightforward and it isn't about not meeting temptations. It's about doing your best and carrying on.

    The idea of saying f it is so so tempting. But you are keeping on. The wedding is a huge event so no wonder your debt busting mojo isn't quite at the front of your brain.

    It's now the sixth, not too long to go to your next pay day. Perhaps if you need it, give yourself £40 but keep recording spends etc.

    You really are doing brilliantly. If you can't, we can. AND THERE ARE MORE OF US SO WE MUST BE RIGHT.

    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
  • NicnakNicnak Forumite
    3.5K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    Thanks all,

    I’m so low about the whole money thing. I think it’s hormone related and wedding stress. I’ve still got over £1000 to pay out, which will end up on credit, and I messed up with the new car so will have d to find time to rectify my mistake in January. I’ll explsin all when I can. Right now I’m just too angry at myself and wanting to blow it.
    X
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071

    Decluttering target 2165/2020 items
  • SystemSystem
    177.7K posts
    10,000 Posts
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    Weddings are stressful occasions, especially when you are wanting to be in budget . Everything will work out in the end and you will have an amazing day . I think you just need to pay what you need to pay , try to keep other spends to a minimum, then re-evaluate all your budget in January.

    Don't give up now , we all have hiccups along the way .
  • DebtFreeDuoDebtFreeDuo Forumite
    1K posts
    1,000 Posts Second Anniversary Combo Breaker
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    I know how you're feeling but look how far you have come, if you blow it now then you will just feel much worse about your situation. You have still reduced your debt by so much even with having to add on the £1000 needed to pay out.
    Change the way you see things and the things you see will change
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