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Why Walk When You Can Fly

edited 11 September 2018 at 11:18AM in Debt Free Diaries
566 replies 32.7K views
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Replies

  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    I'm glad things are better for you now Purplemum and it's good to have you back posting again :).

    Great news on the PPI :T and do try to persuade DH to pay it off the OD or one of the debts. What does he want to do with the money?

    I can understand why he worries you'll never pay off the debts, I used to feel like that :( but you will if you persevere.

    Roll on pay day :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • Purplemumof2Purplemumof2 Forumite
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    What does he want to do with the money?

    He'd put it in the savings, but it would eventually get used when we have a bad month.

    I'm trying to counter act any bad months by getting rid of the OD. Men! They're hard work!!!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Men certainly are hard work, never a truer word :rotfl:.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • jwiljwil Forumite
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    Welcome back :)
    "If you can dream it, you can do it". Walt Disney
  • Purplemumof2Purplemumof2 Forumite
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    Morning,

    Finally I think I am getting somewhere, I have done a lot of thinking about the debt and for the moment I am not going to do much overpaying but rather leave the pots as they are and let them grow and then once there is a substantial amount in there, only then will it go off the debt.

    Payday will mean that we will have paid over £1k off the debt since the start of 2019, only £4k to go but like last year, I'd like to increase this, but will see how we go. I am not going to skint us for the sake of it.

    Need to badger DH about the small reduction in the OD.

    My Tax Code is due to increase in April, so that will help with the figures only a month to go.

    Job wise - I have applied for a few jobs and had one construction company contact me direct...I'm hoping that the latter one bares fruit.

    March Goals

    Lunches to work - 19 days for me as I am holiday for two days for my birthday.
    Moneyhub - Need to keep this updated
    House stuff - Need to back on top again
    Groceries - Aiming to get back on top of this again, it has got ludicrously out of control
    Meal plan - In hand with the above one
    Training walks - Need to do more longer ones of these
    Reading - I'm reading Bruce Dickinson's book at the moment and love it, so need to finish it as DH wants to read it
    Council Tax - I think the new bill is due in, so will need to get them to change it to 12 months as they don't do it automatically

    March has got to be better than February.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
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    jwil wrote: »
    Welcome back :)

    Thanks hun x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • edited 23 February 2019 at 4:54PM
    hugglemonsterhugglemonster Forumite
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    edited 23 February 2019 at 4:54PM
    Good to see you back, hope things in RL continue to improve.

    My dh also says at times we'll always be in debt and is now looking at our pensions - we're not going to have much at current rate when we retire, I didn't even know though that he wasn't paying into the better employer pension rather than the government one! I only speak to dh about money when necessary i.e. we need to have a cheap week of food shopping, no you can't have that today you have to wait until payday, or when I've paid off a debt. He really is so much better but like all of us has the occasional blip.

    Hope the job search goes well.

    H x
    Debt: New credit card £2291.82 now £2790 Car - Purchased £11,518.40 now £1469.85 Barclays loan 3000 now £1221.83
    PAID - Loan 2 £2200 Computer £646.52, Overdraft 1 £2200 Dad £300
    Emergency fund: £50 General savings: £50
    Aug 2019 starting debt 13,111.79 current debt £5481.68
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    I hope you get somewhere with the job applications Purplemum. A bigger salary would be nice :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • jwiljwil Forumite
    12.4K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Good luck with the job applications x
    "If you can dream it, you can do it". Walt Disney
  • WannabeFreeWannabeFree Forumite
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    Hope you're okay

    Have a lovely weekend

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
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