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“Rock bottom became the solid foundation on which I rebuilt my life.”
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I don't see where you could cut down to be honest. I think you've done the best you can - you still need to live but you don't exactly go mad. Well done
I get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Evening SA, SOA looks good to me xxMummytogirls x0
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Thank you
That gives a DFD of 19ish Months away. I want to aim to get that sooner though
Need to think of something realistic. This time next year would be amazing :cool: “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
You could always try for the end of 2019?
Dont put too much pressure on yourself though!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
That's a good idea beanie. Maybe for Xmas 2019 it could be my present to myself
:rotfl:
All this talk of Xmas makes me excited! I'm looking forward to Christmas this year and that's coming from me who hates it usually
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
In 8 months or so (I think?) your CT will be done & then you could chuck a bit more at the rent then.
Just a thought?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
That's a great idea, if you can manage it. The rent arrears would be gone in no time.In 8 months or so (I think?) your CT will be done & then you could chuck a bit more at the rent then.
Just a thought?
Have a nice day, W.Have adventures. laugh a lot and always be kind.0 -
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Evening
Thank you for thoughts. That is using the CT money to the rent (When it's paid) £155 a month is 19ish months I think. Maths isn't a strong point :rotfl: I have fiddled with my spreadsheet though and I can at least overpay the rent even by just a few pounds a week until then even if it's only £5 by the time the CT is paid it's an extra £165 knocking a month of the DFD.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
So Evening
Today has been a bit slow really. I'm still struggling a bit.
We have sorted through the girls toys though (they don't actually have many) but I don't like it when they aren't put away in the correct sets/boxes. So we sat and did that this morning. We popped to my Mum's to print our tickets for the theatre on Saturday before I forgot
I've been looking at the rest of the bits needed for the uniform, there isn't much really and I really want to try and wait to get their shoes as both youngest and DS are right in between sizes :cool: So I'm hoping the bigger size fits by next month :rotfl: Welly socks anyone?
I'm not going to get new coats until nearer winter (you watch it will snow next week :rotfl:)
Nothing much else to report really boring
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0
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