New Life Pending.....

Kakiste

I've caught up on your diary! Wow well done, fantastic that you achieved so much in such a short time. 
Congratulations on being debt free! 

bd80s

Yay, i'm so pleased for you! 
I imagine you are feeling amazing at the moment and you absolutely deserve it  
I remember your diary being one of the ones that I first read and it helped me man up and start my own diary to really address my finances so from one person you helped inspire thank you, enjoy the new found financial freedom and good luck with everything you do in the future

Iwantanewlife

Kakiste said:

I've caught up on your diary! Wow well done, fantastic that you achieved so much in such a short time. 
Congratulations on being debt free! 

aww thank you for the message, its much appreciated! good luck on your journey!

lucielle

Just catching up.  Brilliant news and keep up the good habits and I'm sure the perfect house is waiting for you.
L

Iwantanewlife

bd80s said:

Yay, i'm so pleased for you! 
I imagine you are feeling amazing at the moment and you absolutely deserve it  
I remember your diary being one of the ones that I first read and it helped me man up and start my own diary to really address my finances so from one person you helped inspire thank you, enjoy the new found financial freedom and good luck with everything you do in the future

aww thats so lovely to hear, and thank you so much for your helpful support along the way! How is your journey going? your diary is on my list to catch up with! 

Iwantanewlife

lucielle said:

Just catching up.  Brilliant news and keep up the good habits and I'm sure the perfect house is waiting for you.
L

Thank you so much! No going back this time!

bd80s

Iwantanewlife said:

aww thats so lovely to hear, and thank you so much for your helpful support along the way! How is your journey going? your diary is on my list to catch up with! 

You are more than welcome  
I'm getting there, slowly but surely and to be honest am not as aggressive with debt repayment as some people but I know I need to have a life too otherwise I wont stick to it, I really need to work out my new DFD but not having the time at the moment. On the plus side debt repayments have been consistent and additional monies allocated out as soon as I could.

Iwantanewlife

bd80s said:

Iwantanewlife said:

aww thats so lovely to hear, and thank you so much for your helpful support along the way! How is your journey going? your diary is on my list to catch up with! 

You are more than welcome  
I'm getting there, slowly but surely and to be honest am not as aggressive with debt repayment as some people but I know I need to have a life too otherwise I wont stick to it, I really need to work out my new DFD but not having the time at the moment. On the plus side debt repayments have been consistent and additional monies allocated out as soon as I could.

I honestly think that you have to do these things in a way that will work for you. Im quite an extreme person, an all or nothing kinda girl. My attention span is so short that if I didnt just pile my all into it, I would get bored and justify some reason as to why having debt is ok! if the consistent approach, and making sure you have some level of a life works for you then I would just keep going!!

enthusiasticsaver

Congratulations both on getting debt free and for managing to save £6k. If you read your first post again from last July you will see how far you have come in a year. The total amount of debt wasn't huge but it seems like your attitude to money has been revolutionised. I just remember that extortionate interest rate on the loan and you paid that off so quickly with incredible focus. The lessons you have learned will lead to a much brighter financial future for you and your son. 

Iwantanewlife

enthusiasticsaver said:

Congratulations both on getting debt free and for managing to save £6k. If you read your first post again from last July you will see how far you have come in a year. The total amount of debt wasn't huge but it seems like your attitude to money has been revolutionised. I just remember that extortionate interest rate on the loan and you paid that off so quickly with incredible focus. The lessons you have learned will lead to a much brighter financial future for you and your son. 

Thank you so much! When I updated this thread I couldn’t wait for you to see as you helped from my very first post! Thank you for all the advice and schooling, it really has changed my life. I really do appreciate it! And yes..... that loan!!! It was like 89% or something absolutely crazy!!!! Never, ever again!