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The long haul supporters thread...

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  • In_Search_Of_Me
    In_Search_Of_Me Posts: 10,634 Forumite
    hi Karb and welcome! I think many of us on longhaulers have been and come back at some stage - or will in the future. It gets so tedious sometimes doesnt it! ive definately taken the scenic route and will be here a while yet...could have done it sooner and more lethally buy chose to have some enjoyment as well. Debtbusting really well takes alot of effort and Ive just not had the oomph..
    Must get back into it though as money slips away and old habits creep back in so time to take control again and focus! Not in extreme way but just planning lunches etc for work etc...I rarely eat out and babysit so make some extra but havent been paying this of cards etc so need to get back into it.
    Hows the job teeter?
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

  • howdiditgetto88
    howdiditgetto88 Posts: 5 Forumite
    edited 18 April 2011 at 1:38PM
    Hello Everyone

    As I will be here for a while, please may I have a number!!

    Thanks
    LBM = Feb 11, DMP = March 11, 88k,
  • suzie_wong
    suzie_wong Posts: 387 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Me too please! :o

    After having my LBM in January, I have worked hard to reduce my debts, and have reduced my outgoings significantly by having a target for NSDs etc, however I will still be debtbusting for around 5 years!:eek:
    I'm sure I will be more likely to stay on track if I join you all :p
    Save £12k in 2021: Jan £1834.40, Feb £1692.81
  • In_Search_Of_Me
    In_Search_Of_Me Posts: 10,634 Forumite
    howdiditgetto88 (271)
    suze wong (272)

    here ya go, welcome both! Please introduce yourselves and say a bit about you.
    Been quiet on here of late which, in my book at least, isnt usually a good sign. Been some "slippage" here so time to wind back in and get back to basics (again!) so time for a nsd (no spend day) challenge! Anyone want to join me in a longhaulers nsd challenge?
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

  • suze72
    suze72 Posts: 209 Forumite
    I'm definitely up for a challenge so count me in. Starting from when?
    Debt free Olympic Contender # 134
    DMP Mutual Support Thread member # 250
    DMP March 2010 [STRIKE]£9786 [/STRIKE] now £990 :)
  • suzie_wong
    suzie_wong Posts: 387 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    howdiditgetto88 (271)
    suzie wong (272)

    here ya go, welcome both! Please introduce yourselves and say a bit about you.

    Hi,

    Well, I am 43, a teacher, married with 2 kids (13 and 8) and have been in debt since uni. I finished uni with fairly big debts, and then got a job in one of the most expensive parts of the country to live! Even though I had a reasonable salary, making ends meet was always a struggle.
    I have been married for nearly 15 years, and have never involved DH in my debts (I know, I know :o). I have always managed to make at least minimum payments, but over the years they have crept up to what now seems scary :eek: I can't even tell you what most of it was spent on- just day-to-day stuff.

    In December DH found out that he was going to be made redundant this year. I very quickly had my LBM, and since then have been throwing as much as I can at my debts. In addition I have moved some to a 0% balance tranfer card, and cashed in an insurance/savings plan to pay off more debt.
    We now know that DH will get 18 months salary in redundancy pay, and I have been asked to teach full time from september- good timing!! There will be no pressure for DH to find a job (just as well, as he is 58 and working in a VERY specialised area). In a couple of years he will be able to start drawing his company pension.

    So, that's my situation. Weirdly, I have never actually told anyone what I have just written above. I deal with it on my own, which I know isn't necessarily good, but I am making good progress and feeling positive. Today I used the snowball calculator and found that at a push I could be out of debt in 3 years 4 months. Realistically I think 4 years is more likely, but that is fine. I have been in debt for my whole adult life, and the fact that I can see an end to it is good.
    Save £12k in 2021: Jan £1834.40, Feb £1692.81
  • jwil
    jwil Posts: 22,060 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm still here too. Debtbusting is going slowly but surely, but I could be doing a LOT better. Maybe I need to do some NSD's too so perhaps I'll join you in the challenge ISOM!

    Congratulations on the full time hours Suzie.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • suzie_wong
    suzie_wong Posts: 387 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Anyone want to join me in a longhaulers nsd challenge?

    I've been taking part in the NSD challenge since January- it certainly focusses your mind as to how often you spend. For example, DD has just asked if she can go to the supermarket to get some food to take on a sleepover later- I'm not happy because today was going to be a NSD :mad: She did say she would pay for it, but I'll see.... it seems a bit mean to make her pay, but then I did go to S**nsburys yesterday :(
    Save £12k in 2021: Jan £1834.40, Feb £1692.81
  • In_Search_Of_Me
    In_Search_Of_Me Posts: 10,634 Forumite
    Thanks for introducing yourself suzi..Each of us is individual when it comes to admitting debt...I tend to be quite open about it now but was v ashamed when I initially realised what Id done..does OH know now or not, couldnt tell? At the end of the day its your relationship/life and there have been pleanty of people over the years who have kept it to themselves....
    I think for the nsd challenge Im not sure what people feel about waiting till after the bhols or whether y'all want to start before? What do people think?
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

  • elfen
    elfen Posts: 10,213 Forumite
    I have quite a while left to pay off my debts, so would love to join you all.

    Cureently it sits at just over 3850, but it drops by 50 a month which is all I can afford really. I'm 27 and 2nd year student studying English and Film and have no idea what I'm doing when I finish uni!

    I do have 2 credit cards that I use, but as of the beginning of next month I shall be putting them away and paying off what I owe. I can also clear two of my smaller debts when my student money comes in, so then it'll help one of the others to drop quicker
    ** Total debt: £6950.82 ± May NSDs 1/10 **
    ** Fat Bum Shrinking: -7/56lbs **
    **SPC 2012 #1498 -£152 and 1499 ***
    I do it all because I'm scared.
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