This Duo's debt free journey

DebtFreeDuo

Feeling restless with my finances so I have rounded my account down and paid off £12.33 towards my 0% CC. I have also changed the DD amount from the minimum payment (next month would have been £24.64) up to £40 per month. I will increase this again in April.

Willowtree222

That's good. It will start to shift it earlier.
April is a key month for me too, I don't want to be counting down to it and not living, but I am excited for it to appear. I might add it to my signature as well.

How is your little boy? Hope he is better x

Willowtree222

DebtFreeDuo wrote: »

DS seems to have woken up all fresh, he did have a long lie in this morning but now seems back to himself. I am so happy to have him feeling better, he really hasn't been able to enjoy the break from school so far.

I feel completely stuck on the finance front, there is absolutely nothing I can do until 6th Jan. I hate just waiting around to be able to make a dent. I am feeling quite positive this morning though, 2018 will be my year.

I feel like this for my debt too. x

DebtFreeDuo

He's much better thanks Nicnak, back to himself. Its hard isn't it, you don't want to wish your life away but you also just want the debt to be gone. I suppose that's where getting the balance right is key, if you don't get the balance right then you will either have a blow out and be back to square one or you will have a miserable time debt busting.

Willowtree222

Yep, agree. Finding the balance will be key to its success. let's hope we find it together x

117pauline

Happy New Year

May all your hopes and dreams come true in 2018

Take care
Pauline

Thank you for popping in on my thread, your support is so appreciated

Willowtree222

Happy new year xx

DebtFreeDuo

Thank you both for stopping by, happy new year x

DebtFreeDuo

Time for a little reflection on 2017 I think, it is that time of year after all.

Finance wise I have around £2000 less debt than I did in April 17, considering I wasn't hugely concentrating on my finances over most of that time I think I have done ok. 2018 will be the big year for me and I am more determined than ever to become debt free.

Uni is something I am struggling with on the motivation front, I am getting there slowly and I think once the next term starts I will feel a lot better, just need to get these exams out of the way, do what I can grade wise and then really push myself in my new modules.

Family life is great, I do think I need to create more of a social life for myself so that I have something fun to do on the days where I don't have DS. I spent new years with an old friend which has made me realise that I am completely in love with someone who wants to be just friends, we spend time together quite regularly and I don't want to stop spending time with him but I think I might have to take a step back at least for a little while.

I have lots of goals for the year ahead and I will achieve them but I also think that I have a lot of work to do on myself, I think focussing on my debt has been a good distraction but I feel broken and I have to stop avoiding repairing myself.

This post doesn't sound very positive but I am feeling positive and I feel like I am turning a corner for lots of reasons. Happy new year to anyone reading, I hope 2018 brings you love and happiness and that you all achieve what it is you want to achieve in the wonderful year ahead.

ladymay

You've come a long way financially and emotionally and I think you're right in that it might be time to concentrate on yourself for a while and have some fun!