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My journey to a debt free life

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  • Onebrokelady
    Onebrokelady Posts: 7,820 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    You've done well to do your shopping and to get your decorations taken down too. I find that sort of thing exhausting!

    I hope you sleep well and don't have too many aches and pains tomorrow.

    I really didn't want to do both today but I really needed the shopping and I wouldn't have had time to do the decorations on any other day before Sunday,I'm glad I got it done in the end though but I suspect I will pay for it tomorrow
    Hopefully I will sleep well I'm tired so that's a good sign :)
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,820 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    edited 4 January 2019 at 8:55PM
    Work went well today but I was really tired for some reason,despite me currently supposed to be going through the menopause my body decided to spring a surprise period on me this week,it's very light but it's possibly the reason I have been feeling yucky this week,now I'm just tired which is normal for me when having a period as I am always anaemic so my body doesn't cope well with it,I really hope this is the last time this happens,it's been 5 months since the last one and I think it was about 8 months before that

    I walked into town from work today and then caught the bus the rest of the way,one of my 19 for 2019 is to walk as often as I can,this will help me keep my weight down and to keep pain at bay hopefully,Im going into town tomorrow so will be walking then as well,it helps that it was a lovely cold sunny frosty day today and it was lovely to leave work and get out into the fresh air

    I'm currently finishing off the Baileys while catching up on here and waiting for a load of washing to finish,hopefully I will stay awake long enough to hang it up before bed

    Tomorrow I'm meeting my mum for lunch,I haven't seen her since the weekend before Xmas day so we have a lot to catch up on,I'm taking a chipped glass vase and the Baileys bottle to the bottle bank on my walk into town so that will be tomorrow's decluttering

    I did my banking this afternoon when I got home and I was pleasantly surprised at how much money was actually in my account,I am well in credit and all the big bills have come out,I'm going to draw my food money out tomorrow for the month and I think I will have £40 spare once all the bills have come out,I'm thinking of buying some work shoes with it because mine are starting to look a bit shabby,I'm going to wait though to make sure I definitely have enough left over
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • The menopause is horrible, so I'm glad I've recently come out of the other side of it. I don't miss periods!

    Well done on the walking and on having money left after the bills go out. Some new work shoes seem well deserved :T.
    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 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Did you KonMari your Christmas decorations? I did. Felt good. Plus last year I bought these boxes to put it in all neat and tidy with no risk of dust getting in. I'm so glad she's done a program and you're getting to see different people at different stages of life doing it. I did it properly a couple of years ago but can feel that it's slipped for the kids. Plus I can't hack the way she folds. I still get lots of joy from things leaving the house though.

    Sounds like you are powering though your illness on positive attitude alone. Well done you. Xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • I mus5 have a look for the Kondo thing, but have to admit that I found the sample chapter of the book so annoying that I gave up on it.

    Cereals/grains set my flares off too. Difference between coping without painkillers and not is generally a slice of toast.
  • It's a nice feeling when you are in credit, isn't it? I wish I was at the minute.

    Your hard work savings during the year has really made it so much easier for you, and I am inspired to make it work.

    I should do a lot more walking, but I have been so lazy the last few months. I have a fitbit so there's no excuse really.

    Have a good day. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Onebrokelady
    Onebrokelady Posts: 7,820 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    The menopause is horrible, so I'm glad I've recently come out of the other side of it. I don't miss periods!

    Well done on the walking and on having money left after the bills go out. Some new work shoes seem well deserved :T.
    I will be glad when I'm out the other side Hairy,it's driving me mad :mad:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,820 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Kitten868 wrote: »
    Did you KonMari your Christmas decorations? I did. Felt good. Plus last year I bought these boxes to put it in all neat and tidy with no risk of dust getting in. I'm so glad she's done a program and you're getting to see different people at different stages of life doing it. I did it properly a couple of years ago but can feel that it's slipped for the kids. Plus I can't hack the way she folds. I still get lots of joy from things leaving the house though.

    Sounds like you are powering though your illness on positive attitude alone. Well done you. Xxx
    No I didn't,I didn't know you could:DI've only watched the first episode of the show and one chapter of her book,I do keep my Christmas decks in two large lidded plastic storage boxes though so they stay nice and clean in the loft
    I'm not sure about thanking the items I'm getting rid of either :rotfl:but I do love getting stuff out of the house ,I haven't tried the folding yet,my DD folds her clothes that way but I think it makes them look too creased :)
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,820 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Nicnak wrote: »
    It's a nice feeling when you are in credit, isn't it? I wish I was at the minute.

    Your hard work savings during the year has really made it so much easier for you, and I am inspired to make it work.

    I should do a lot more walking, but I have been so lazy the last few months. I have a fitbit so there's no excuse really.

    Have a good day. x

    It is a nice feeling,I still remember the panic after last Christmas when I first realised what a mess I had gotten myself into,I felt sick for weeks until I started my DMP and started doing something about it, this year is so much better, I'm not panicking about my bills or how I'm going to pay the CCs it's great,I know in the back of my mind I'm still paying off my debt,but because it's under control I can stop thinking about it and just let it plod along in the background :)

    Walking for me is the best form of exercise,I can fit in in too and from work and it's free,I have started listening to various life affirming podcasts and I use my walk as a chance to listen to an episode,since I've started doing this I actually look forward to walking,I used to listen to music but it didn't entertain me as much :)
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • I will be glad when I'm out the other side Hairy,it's driving me mad :mad:

    Mine lasted six years in total and the hot flushes were the worst :(. But I suddenly realised last summer that I wasn't having them any more, despite it being a heatwave, so I am massively relieved :T. One less thing to torment me anyway.

    Walking for me is the best form of exercise,I can fit in in too and from work and it's free,I have started listening to various life affirming podcasts and I use my walk as a chance to listen to an episode,since I've started doing this I actually look forward to walking,I used to listen to music but it didn't entertain me as much :)
    I agree about walking. I enjoy it and it helps relieve my stress. Mind you it helps that I don't drive as often it's easier to walk than faff around waiting for buses. I listen to dance music and find it very uplifting and it gives me so much energy that I power along :rotfl:. Podcasts are a great idea too though :T.
    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 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
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