This Duo's debt free journey

enthusiasticsaver

Sounds like you have a back up plan then. Look forward to your update.p when the money arrives.

DebtFreeDuo

Money arrived today, have now officially cleared my most expensive debt! £2050 gone, never to be seen again! Brings my debt down to around £5300. Now to truly test myself, my budgets are set and they are realistic so I need to live within these. I tend to rebel against budgets so I know this will be the hardest part for me. I still have a good chunk of money left from Christmas/my birthday so if I feel the need to splurge a little on myself then I can use this money. I can do this.

ladymay

Congratulations!!! :beer:

You can do this

DebtFreeDuo

Going back to my January to do list

[STRIKE]- Clear Loan[/STRIKE] Gone forever
[STRIKE]- Switch current account to gain reward[/STRIKE] Applied today for the M&S current account as this one doesn't have a pay in requirement. I want to keep my main account as I have had it for 15 years.
- Switch energy over for cash back Waiting until I've received all of the warm home discount.
- Pass my exams Urgh
- Make £60 through surveys sites Work in progress
- Declutter 1 item per day Work in progress

So since complaining about my pizza I have received a £10 gift card to use in a restaurant rather than the take away service I used and I have also received a code for £10 to use towards the takeaway. I believe my order was a little over £11 so therefore I will be able to have two treats for me and DS for around £5 depending on the cost of eating in with the addition of drinks. I think I will save the giftcard for February half term as a special treat for me and DS to spend some quality time together.

Willowtree222

DebtFreeDuo wrote: »

Money arrived today, have now officially cleared my most expensive debt! £2050 gone, never to be seen again! Brings my debt down to around £5300. Now to truly test myself, my budgets are set and they are realistic so I need to live within these. I tend to rebel against budgets so I know this will be the hardest part for me. I still have a good chunk of money left from Christmas/my birthday so if I feel the need to splurge a little on myself then I can use this money. I can do this.

Woohooo, prosecco? :T :beer: xxx

DebtFreeDuo

Nicnak wrote: »

Woohooo, prosecco? :T :beer: xxx

I might go for a G&T, I have quite a stash of gin thanks to the festive period, prosecco would cost extra that isn't in my current budget :rotfl: I think in December I will treat myself to a lovely bottle of fizz with any money I get and then I can officially celebrate starting a new year debt free, we can have a thread party on one of our threads to celebrate our amazing accomplishments!

Willowtree222

Love the idea of a thread party. It'll be fab x

ladymay

Thread party sounds great! I'll have a glass a pinot

DebtFreeDuo

Thread party it is! We can sort one out for December when we all feel like celebrating our successes! I will be the one who gets drunk early, disgraces herself and is then home in bed before the real party has started :rotfl:

enthusiasticsaver

Well done DFD.