Working Hard Debt Diary - Here goes

hypno06

I am completely understanding the lack of motivation now that the pressure is off........I am struggling to pay more than my minimums now, which is daft - my minimums now are about £400 pm when 3 years ago they were £2200 a month - so in theory I should still be able to pay £2200 a month off the debt (which is what my snowball is set at) but the reality of life is that motivation lacks for varying reasons, and I am not even paying half that!!

You are almost there, though - you have done fantastically well!!

Happytogetdebtfree

Hey, wow hypno you have done some huge cuts to get to 400 a month, you spend what you earn and its hard to commit loose cash to debt when its so close to the end, i wish i was there but things my side are finally starting to look great xx

hypno06

It has been hard work, but lethargy sets in and we take our foot off the gas a bit........that is the dangerous point because if we take our eye off the ball, we can find ourself back at square one before we know it!!

WorkingHardDFW

Thanks for the posts ladies

I think you do 'grow' into being DF and like you H our min payments when we started were nearlt £1k pm now they are about £100pm so the different goes off the debt. We're on track and not racking up debt which is the most important thing. Lessons have well and truely been learnt in the DFW house is all I can say...

hypno06

I guess that's true, and also you shift your focus - eg the MFiT challenge, which a few years ago would have been a ridiculous concept for us.....now it is just "the next step".......

One thing is for sure - I ain't ever going "back there" again! Not if I can help it, anyway!!

Happytogetdebtfree

Here here, gosh i just cant see myself there again because its the hardest journey getting debt free its long its tires you and it wasnt really worth the intrest it charged x

WorkingHardDFW

Thanks both its the long hard way you learn the lesson which stick with you. When I think of how much money we've wasted on nothing in particular its scary....but we're nearly there and oh so looking forward to it....MFit2 will be a good challenge.

Compingirl

sounds like dieting!~ Unless you get to goal you are in danger of putting it all back on plus more!!!!

You have both done amazingly well! keep it up ladies the finish line is in sight cg:)

WorkingHardDFW

Christmas has arrived in the DFW household.

Not only did OH get his unexpected bonus this month £362 after tax very nice - thank you very much :rolleyes: but something completely and utterly lovely happened to us today....

We got a letter from our Water Authority telling us that for the last nine years (since we've lived in this house) they have been over charging us for surface water charges due to confusion as we border another authority who have also been charging us!!!! As I read it I thought we owed them until I read it again....how blinking lovely....things like this don't happen to us. The grand sum of £688.93 will be in our bank in 14 days :D:D.

Plus payday for us both this week so I've now paid the credit cards and have updated my totals....blimey is scary now being so close...

£3,138

Totals haven't reduced quite as much as I would have wanted but I've absorbed the £200 food shop into this and the spending on the bathroom bits and bobs which my Mum is going to give us for Xmas. I don't want to be running up bills hence I'm keen to say on budget.

In_my_dreams

That is amazing, you are so so close well done! :j:j:j