The long haul supporters thread...

In_Search_Of_Me

Well it's pay day. Its been its gone & so has the money! Siggy has not moved as the bill for Maceys vet fees are factored into this months so next month it will move a bit I hope! Feels a bit drudgy TBH but know I will get there in the end...just gonna take time! Well done candy at least they're going in the right direction!

Nelmer

Hi all

please can I join? DFD 2013 aaarrrggghhh:eek:

Need all the encouragement I can get!

x

theunknownstuntman

Hi, can i join? DFD to be about 2014 or thereabouts!

In_Search_Of_Me

yes join away!! Numbers will be allocated in due course but why not tell pepys a bit about yourselves! Welcome aboard the bumpy cart!

theunknownstuntman

Nelmer wrote: »

Hi all

please can I join? DFD 2013 aaarrrggghhh:eek:

Need all the encouragement I can get!

x

Hey Nelmer, you and i can hold hands and join together!

Stunty

Nelmer

Hey Stunty,

I like that idea!!!....I've been following your df diary, don't quite have enough courage to do my own, or 'public' soa at the moment but you can see I'm here for a while. Watching your progress with interest!!!

Nelmer

lunar

Might be being a bit dim but how do you work out what % of your salery your debt is?

Not doing too badly still managing to pay off some debt despite christmas. Nearly done all my shopping, mostly just food bits to get now.

Dont worry about your soa nelmer, posting mine was the best thing i ever did, ive had so much support on here since i did it!

yellowmonkey

Hi and good morning to you all

lunar. To work out your % follow the formula below

Total debt divided by annual wage times 100 = %

Good luck

ym

lunar

Hmmm kind of wish i didnt work it out now, my debt is 113% of my wage! oh well the only way is down.

thanks yellowmonkey

poorbabe

I've been reducing my spending overall for the past couple of months and was doing quite well. However, it did mean putting off buying a few things that I really needed and decided I couldn't afford for a while.

I balance transferred, making small payments to the card, saving in my ICICI account to earn a little interest before making a lump sum payment to the cc. Doing this enabled me to clear my Egg card and that's been in the freezer for a few months :T .

I'm about to BT to another card which has a promotion of 0% for 14 months and 0% for 3 months for purchases, but I'm going to have to use the 'purchase' element to acquire stuff like contents insurance, glasses/contact lenses and a few items of clothes. I won't be buying any presents this year so my numerous nephews/nieces will get small presents on their birthdays instead.

I actually feel guilty for spending on the new card even though I know I'll be paying it off over the 14 months or so even if it means doing another 0% switch. What's that about?

The good thing about my 100w lightbulb moment is that I now consider my wants and needs more carefully and have managed to reduce my wants to the occasional chocolate or Friday night takeaway (most of the time, but sometimes I fail miserably):rolleyes: .