We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!

My SOA and Situation Realisation

Options
1…6781012

Comments

  • JayRitchie
    JayRitchie Posts: 563 Forumite
    Seventh Anniversary 500 Posts Name Dropper
    Nearly there! Wow - your business is going great. Are you in a position to start making ongoing plans yet?
  • shteca
    shteca Posts: 120 Forumite
    100 Posts Third Anniversary Combo Breaker Debt-free and Proud!
    Nearly there! Wow - your business is going great. Are you in a position to start making ongoing plans yet?
    I know! What a journey. My entire outlook has shifted. This forum has been such an incredible help.
    Going forward I would say my plan is just to build my emergency fund up to £5 ish and then start a saving account etc.
    My business is doing great but this does change quickly so having lower monthly payments in my personal life will take a HUGE pressure off my business and mean I don’t have to keep taking as much out.
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
  • shteca
    shteca Posts: 120 Forumite
    100 Posts Third Anniversary Combo Breaker Debt-free and Proud!
    Done
    I just paid £9,508 to Sainsburys to clear the balance on my loam
    :T:T:T:T
    :beer::beer::beer::beer:
    :j:j:j:j:j
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Wow, well done you!
    Debt free Feb 2021 🎉
  • zeppelingecko
    zeppelingecko Posts: 11 Forumite
    Fifth Anniversary Combo Breaker
    Had to post something as I am feeling very inspired by this thread. Well done and thank you for keeping us updated!! ��
  • shteca
    shteca Posts: 120 Forumite
    100 Posts Third Anniversary Combo Breaker Debt-free and Proud!
    Wow, well done you!

    Thank you so much! Just to think how difference my situation was 12 months ago when I was drowning and spelling baking get month-to-month. I went through the most radical spending cuts along with selling everything I own is, selling my ridiculous waste car and cutting up every credit card I had and making a promise to myself to never get into that but the situation ever again.
    Thank you so much for your support
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
  • beanielou
    beanielou Posts: 95,458 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Excellent news :)
    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.
  • shteca
    shteca Posts: 120 Forumite
    100 Posts Third Anniversary Combo Breaker Debt-free and Proud!
    Had to post something as I am feeling very inspired by this thread. Well done and thank you for keeping us updated!!
    Thank you!! That is amazing to think. My personal journey started when I get so sick and tired of living hand to mouth and spiralling down the rabbit hole of debt.
    Making myself responsible and being conscious of every penny I spent was key
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
  • Theamazingshrinkingwoman
    Theamazingshrinkingwoman Posts: 201 Forumite
    Just popping out of lurkdom to say it's so lovely to read your posts - you sound completely different from the start of your journey. Well done on making such monumental changes. Your kids will hugely benefit from your new outlook.
  • shteca
    shteca Posts: 120 Forumite
    100 Posts Third Anniversary Combo Breaker Debt-free and Proud!
    Just popping out of lurkdom to say it's so lovely to read your posts - you sound completely different from the start of your journey. Well done on making such monumental changes. Your kids will hugely benefit from your new outlook.
    Thank you!! Your message means a lot. My entire outlook has changed and a hugeeee weight has been lifted!
    Everything I do is for my kids and their future and I promised myself I would teach them what I never knew
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
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
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K 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