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When you owe more than your annual net salary

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  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    For those who have asked, I left my job at the start of this diary, like how long can a girl not get paid on time?  Moved to another company, loved it, oh I loved it so much.  Left it as I moved across the country and in with the BF...the new job I like, living with someone - it's hard.

    That's me 

    LL xx
    £38,000 and change to £0
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    Had my brother round for dinner tonight, super cheap and easy dinner, had everything in the cupboard, except for black pepper and rice, so nearly everything :)

    Nothing else to report, need to get into the roof space to get my sewing machine and start using that, I've started to do a bit of research  on crafting websites to review what pieces are selling for, which feels quite proactive.

    Hope all is well with you  

    Night 

    LL xx
    £38,000 and change to £0
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    budget vanished tonight, local greasy spoon for dinner - horrible

    back to home cooking tomorrow night

    LL xx
    £38,000 and change to £0
  • From one who has been there.
    You will get through this.
    31st December 2004 - Debt was £128,596.72
    1st October 2016 - Debt Free
    12 years of Stepchange + PPI +F&F
    http://forums.moneysavingexpert.com/showthread.php?t=4862915
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    Today I have......made dinner using leftover home made cooked ham, frozen peas and roast potatoes -  it was yummy and all in the fridge

    Up into the attic and got all my sewing bits and pieces, plan to start making for online platforms this weekend

    Oh and also logged on here, which is keeping me motivated at the min

    Hope you are all well 

    LL xx

    £38,000 and change to £0
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @LexieLou read from the start and subscribed.   You're doing brilliantly! Are you marking each milestone with a small celebration; could even be free? I took a picnic lunch out yesterday and ate it with a friend...it felt wonderful.   Full of admiration for you and am cheering you on.   Love Humdinger xx 
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    Oh no, nearly a month since I've been here....I'm still lurking (not 100% about the current format of notifications of the posts I'm following -think that is more user error), I will get myself into gear and start making bits and bobs for various selling sites. 

    Night,

     LL xx
    £38,000 and change to £0
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    I'm still here and still lurking and so much closer to being debt free.  

    Re did my SC budget and found an extra few ££ to put towards being debt free sooner.  Shaved 3 months off it...go me

    Nothing else to add - except I had accomplished 9,995 steps today - got out of bed and marched another 5 steps to hit 10,000.  One target I achieved today.  yay!  

    Night

    LL xx 
    £38,000 and change to £0
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi LexieLou - that's great news about the debt - well done

    I do the same with steps - but takes my device a few steps to get going so always end up doing 10 r 20!!
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the debt.
    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.
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