Looking into the light and starting afresh

shrimpy_80 · 6 August 2019 at 10:11AM

Thanks SavingHolmes, I think you're right. I'm in that classic spiral at the moment of thinking "oh it's not too bad, you only live once so may as well spend it" etc then being cross with myself afterwards! Last time I was motivated by hitting rock bottom so having no real alternative but to deal with things, this time I need to find something positive to drive me on - a carrot rather than a stick.

I started re-reading my old diary and it was an eye opener to see how motivated I was!

shrimpy_80 · 6 August 2019 at 12:42PM

Just redeemed £5 from my old Swagbucks account which has cheered me up disproportionately :rotfl:

laurarutter89 · 6 August 2019 at 1:12PM

Good luck

You can definately do it again!

Looking forward to following your progress!

savingholmes · 6 August 2019 at 5:29PM

shrimpy_80 wrote: »

Just redeemed £5 from my old Swagbucks account which has cheered me up disproportionately :rotfl:

It's like the universe/God sent you a little win to nudge you in the right direction

shrimpy_80 · 7 August 2019 at 12:42PM

Thanks both

SH I have subscribed to your diary and read back, it's inspirational so thank you

Been having a play on a debt repayment app and even an extra £50 a month paid off will bring my DFD forward by 7 months. That has really given me a boost.

Other major thing to report today is I have renewed our mortgage as the fixed rate came to an end last month. This will save us £100 a month :A:A

shrimpy_80 · 8 August 2019 at 3:11PM

Had a fairly productive day but trying to muster the energy for one final push so thought a to-do list might help (everyone loves a list

)

Run books/cds etc through Ziffit
Complete application form
Send Air BnB link
5 x Ebay listings (ohhhhh I loathe this task!!)
Find certificate
Ironing

Just reading that makes me want a nap :rotfl: How I used to find the motivation to sit and do free scratchcards, reviews, surveys etc etc baffles me! I feel old and tired :rotfl:

savingholmes · 8 August 2019 at 6:29PM

Great news on the mortgage reduction - are you going to use that money to pay off CC or your mortgage?

shrimpy_80 · 5 January 2020 at 11:06PM

Have had a bit of a turbulent few months for various reasons but am still here. Haven't made much inroad into the debt but long story short, I'm in a position now where I will need to either try to take over the mortgage on my own (unsure how feasible this is) or sell up and move on. There is enough equity in the house to clear all the debts but I don't want to end up back at square one saving for a deposit etc so really need to get this debt gone.

Managed to redeem £20 from Swagbucks over the weekend which I'm really pleased about (although it drained the life out of me :rotfl:) and have redone my budget so I know where I am going forward.

Onwards and upwards.