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The long haul supporters thread...
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Happy great news re balance transfer. I have 2 on 0% now
the other 2 are quite low %'s as well so not too bad.
ISOM I may be wrong but I don't think of my car as debt as it is absolutely essential to my life, like food and mortgage. So I concentrate on CC debt and my loan ( which will be done this year) CC debt will be next year - hopefully 5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
Thank you mit! I couldn't agree more about a car it's a necessity so isom if you need one don't be so hard on yourself xxI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Sorry didnt express myself well: I dont feel down that Ill have to have a car as it is essential for my work but I cannot count it as debt if I take a loan out..BUT if I get back to basics and stop spending on rubbish then it will be manageable! One of my loans finished in Nov so trying to pay that into cc...most of cc on 0% until sept so only interest on one bit which I should be able to shift soon.
Over time habits creep in and I do wonder if I will ever learn; a fundemental part of my personality is that I love shopping and think this is in some ways genetic/learned behavior as my dad was the same and equated gifts with love; I do now make things instead but am terrible at starting a new hobby and buying loads to go with it so this year is (with a couple of exceptions) use what I have (which is alot!!) and dont bulk buy; for some reason I still panic if cupboards not full but then things get hidden and go out of date....old habits die hard!
Thanks you both for warm welcome and support/encouragement...much appreciated
Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0 -
You're welcome xx5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
That's ok :-) xI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Hi all
I managed to bring my DFD a month closer in January it is now April 2016......only 39 months to go!!!LBM @ 01.01.12 TOTAL DEBT = £13301.77. LH number 320
POAMAYC in 2013 #1 : £54.53/£10159.90
1% challenge - 7% paid off.
DFD @ 31.07.13 is April 2017 (45 months to go!)0 -
Well done leticina :-) every littlr helps mines sept 2014 xI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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fab news Leictina...imagine what you can do then without the bonds of debt
xxxkeep up the good work Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0 -
Hi folks. I just wanted to share that I am in the 10k's and am well chuffed. I feel as if this is a massive step in my journey. So excited. My DFD is Oct 2014 but bringing it forward all the time 5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
Well done MIT! Hope everyone is doing ok xI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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