📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Unsecured Debt Free by 2021

Options
123457

Comments

  • EmergencyNurse
    EmergencyNurse Posts: 85 Forumite
    Seventh Anniversary 10 Posts PPI Party Pooper
    Car welded, repaired, MOT'd, taxed and insured and i've STILL got money in the bank!!! Aiming to keep the equivalent of two months DMP payments as an emergency fund. Roll on payday for instalment 2!

    Turns out the bloke from Halfords got back enough PPI to pay for his wedding!!!

    I shall be continuing with frugal living but this time It'll be through choice...and the the piece de resistance, I'll be able to get my own Tiramisu from Asda and not a substituted bloody apple pie.
    Debt March 2018 £27,596:eek: DMP Start June 2018 Debt Free Date 2023:T:T:T Debt July 2020 £14,700 Debt July 2021 £9300
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    EmergencyNurse wrote: »
    I shall be continuing with frugal living but this time It'll be through choice...and the the piece de resistance, I'll be able to get my own Tiramisu from Asda and not a substituted bloody apple pie.
    Haha. It is the little compromises you have to make when you are repaying debt that grate the most. Enjoy the tiramisu :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • EmergencyNurse
    EmergencyNurse Posts: 85 Forumite
    Seventh Anniversary 10 Posts PPI Party Pooper
    This is pure craziness. Financial problems being dealt with and car repairs sorted. I go to bed feeling relieved. So what do I do? I wake up in a hot sweat, thrashing about because I've had a really vivid nightmare. I'm meant to be triaging patients but the computer software won't load, the queues getting longer and there is a two hour wait to be triaged. Everyone else computer is fine and no one has come to my aid.

    Its amazing how my mind has created a problem because its so used to having real ones.

    There's no place for this type of nonsense on my Debt Free Journey.
    Debt March 2018 £27,596:eek: DMP Start June 2018 Debt Free Date 2023:T:T:T Debt July 2020 £14,700 Debt July 2021 £9300
  • EmergencyNurse
    EmergencyNurse Posts: 85 Forumite
    Seventh Anniversary 10 Posts PPI Party Pooper
    Another PPI claim upheld so another top up to add to the emergency fund.
    Debt March 2018 £27,596:eek: DMP Start June 2018 Debt Free Date 2023:T:T:T Debt July 2020 £14,700 Debt July 2021 £9300
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the PPI :)
    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.
  • EmergencyNurse
    EmergencyNurse Posts: 85 Forumite
    Seventh Anniversary 10 Posts PPI Party Pooper
    Who says it can't be done! Ive done my months grocery shop coming to a grand total of £56.75, includes the obligatory Tiramisu plus toiletries, car and decorating stuff. I call that a win and I won't even be on a starvation diet. Happy Days.
    Debt March 2018 £27,596:eek: DMP Start June 2018 Debt Free Date 2023:T:T:T Debt July 2020 £14,700 Debt July 2021 £9300
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wow.
    How on earth did you manage that?
    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.
  • EmergencyNurse
    EmergencyNurse Posts: 85 Forumite
    Seventh Anniversary 10 Posts PPI Party Pooper
    beanielou wrote: »
    Wow.
    How on earth did you manage that?

    It's easier just buying for one. I'm not a fussy eater. I manage to eat healthily on the cheap. I've always bought everything own brand and don't fall for 'offers' anymore. I'm preparing to make sure I can live normally on what's left after the first DMP payment is taken out.
    Debt March 2018 £27,596:eek: DMP Start June 2018 Debt Free Date 2023:T:T:T Debt July 2020 £14,700 Debt July 2021 £9300
  • EmergencyNurse
    EmergencyNurse Posts: 85 Forumite
    Seventh Anniversary 10 Posts PPI Party Pooper
    All my PPI claims have been upheld. Now i'm just waiting for my last refund cheque of £1778.95 to arrive. The last big addition to my emergency fund.
    Debt March 2018 £27,596:eek: DMP Start June 2018 Debt Free Date 2023:T:T:T Debt July 2020 £14,700 Debt July 2021 £9300
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey, that is awesome.
    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.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.1K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture