New me New start, Pania's positive Progress!

lunar

Ive just been thinking about how much 15k actually is! we will really have to work for this, im actually looking forward to it, if i managed it i would be debt free in 2 years, so im really motivated now. I better get myself some extra shifts organised i think!

pania

hypno06 wrote: »

Hi P! Seems like you have energy in abundance - want to chuck some of it down the road towards me, please!!

yep!!! and in the words of the song "and i'm feeeeeeeling good!!!"

re the weight to lose......I have no idea what I weigh, but even my "fat" clothes are in danger of becoming "thin" clothes IYSWIM! So I am with you on the weight loss thing.

tell me about it, nearly fell off the scales backwards when the doc weighed me the other day!! I know it's not high compared to some people that really struggle but sooooo much different to when i ran the marathon last year. It made me feel uncomfortable and i reeally need to start to look after myself again. Maybe we should go out for a walk together one evening or day per week or something.

Starting tomorrow, I will be good. Today, though, I fancy biscuits, so may be sending DD to the shop on his bike to buy some!!

yep, i'm currently finishing off the last of the heros to start in earnest tomorrow, purely for the purposes of removing temptation you understand!!!:rotfl:

pania

it's great to know you're so motivated Lunar. yep it's not going to be a walk in the park but just imagine how we'll feel at the end of it all.

Yep hypno definate theme going on here. we CAN do it!!

Karmacat

Definitely in for the £15k challenge - between quidco, matched betting, sp. betting offers and spread betting itself. Off to update my sig. Thanks Pania!

pania

no probs. gosh we're going to be working hard for the next few months!!

Ok well i daren't even dare to ask on the savings board due to the slating i got last time, but can anyone recommend a good savings account that isn't instant access but neither is it tied in for a year? Something like a savings account or bonus builder something like that. I am with halifax and have e-savings account but only prob is they are instant access and I want NO temptation whatsoever!! else if something breaks down i know i will dip into it and that is the last thing that i want!!

Thanks for all your help and support guys, it really is appreciated. xxx

ZTD

pania wrote: »

Ok well i daren't even dare to ask on the savings board due to the slating i got last time, but can anyone recommend a good savings account that isn't instant access but neither is it tied in for a year? Something like a savings account or bonus builder something like that. I am with halifax and have e-savings account but only prob is they are instant access and I want NO temptation whatsoever!! else if something breaks down i know i will dip into it and that is the last thing that i want!!

ISA or non-ISA?

pania

non ISA

cat4772

Pania

I'm sure there are some 30day access accounts, but they'll still let you have access to your money (you just lose 30 days of interest)!

How about one with a card for access, record the account number and shred the card? Will take about a week for a new card to come through so will give you some access to your money. (This is what my friend did when she was saving; she could pay money in with just the account number but had to request a new card to make a withdrawal). Other way is to give the card to someone you trust - I have a card for Wayne that I keep in the work safe - I can only access the safe 2 days a week)!

Good luck,

Cat.x

dsljfreeman

Wow you guys are so inspirational, I'd love to join you in your challenge but could I do a lower figure, more to the tune of £5k, this would clear my cc's.

Laura x

penguin83

Hey Pania, hows it going.

If i meet my target of 12k that means paying off 11 creditors - which has made me even more determined now!

Have you got a horse too? I think I would be debt free now if it wasnt for buying things for mine! x x