TravelGirl84's DFD

TravelGirl84

clearmydebts wrote: »

I totally get you. I see people who earn a lot less than myself and H with holiday homes etc and think how do they do that. But's all about discipline and patience. They are inspirational.

They are! I need to remember that it could be me if I just work through the initial pain!

clearmydebts

TravelGirl84 wrote: »

They are! I need to remember that it could be me if I just work through the initial pain!

It will be you!

TravelGirl84

You know those days when you feel like you're never going to make progress! Yep, today is one of those days. I admit none of the things are confirmed yet, however:

1. I forgot that when I remortgage, there might be a broker fee of £295. I have Emailed them to ask if they can claim it back through my bank since I'm an existing customer, and my friends broker does it.
2. I live in a flat where apparently the maintenance company have taken more money then they should from some of the residents. They say we have had letters for a deficit in 2018 (9 months in 2019 and they only took the site over late last year) - no one seems to have this letter. An extra £200 each. I hope this is incorrect!
3. My oil light flashed up on my car but went straight off again. Let the car cool down before checking the oil level but I can't open the bonnet so will have to wait till tomorrow. I have oil already if I need it. Ok I know this might not cost me anything but I ended up eating my feelings with the pizza I had bought for Saturday :rotfl:

Sorry for the vent!! If I need to pay another £495 this year, that's my first debt target out the window, and the money saved for my car service and ground rent in January eaten in to, if not gone.

Otherwise I could be getting overstressed about nothing. We will see.

TravelGirl84

clearmydebts wrote: »

It will be you!

Thanks for the positivity! I hope it will be all of us in the debt free zone!

clearmydebts

TravelGirl84 wrote: »

Thanks for the positivity! I hope it will be all of us in the debt free zone!

We all will. Slow and steady wins the race!

CoffeeCakeYarn

TravelGirl84 wrote: »

You know those days when you feel like you're never going to make progress!

YES! Exactly me. I had a bit of a !!!! weekend with money and am trying to mitigate it, but some days i just stare at the spreadsheet and hate myself because I'm not doing things quick enough, then other days I look and think yay me, I've done so well! The first six months whilst I was getting some cash behind e for unexpected expenses was the hardest.

You've got this, keep going :beer:

clearmydebts

TravelGirl84 wrote: »

You know those days when you feel like you're never going to make progress! Yep, today is one of those days. I admit none of the things are confirmed yet, however:

1. I forgot that when I remortgage, there might be a broker fee of £295. I have Emailed them to ask if they can claim it back through my bank since I'm an existing customer, and my friends broker does it.
2. I live in a flat where apparently the maintenance company have taken more money then they should from some of the residents. They say we have had letters for a deficit in 2018 (9 months in 2019 and they only took the site over late last year) - no one seems to have this letter. An extra £200 each. I hope this is incorrect!
3. My oil light flashed up on my car but went straight off again. Let the car cool down before checking the oil level but I can't open the bonnet so will have to wait till tomorrow. I have oil already if I need it. Ok I know this might not cost me anything but I ended up eating my feelings with the pizza I had bought for Saturday :rotfl:

Sorry for the vent!! If I need to pay another £495 this year, that's my first debt target out the window, and the money saved for my car service and ground rent in January eaten in to, if not gone.

Otherwise I could be getting overstressed about nothing. We will see.

Sometimes it feels like 2 steps forward and 4 backwards but think of all the debt you'd have if you hadn't started tackling it.

FootyFanDan

I also get the why does 'Y' earn less than me but live better, i used to get annoyed then recently started using this as a motivation that one day that would be me if I could resolve my debt / budget issues. Although it is easy to get downbeat.

We all have Meh days as well, try not let that one crap day ruin you mojo...pizza fixes them days

Keep up the good work

TravelGirl84

CoffeeCakeYarn wrote: »

YES! Exactly me. I had a bit of a !!!! weekend with money and am trying to mitigate it, but some days i just stare at the spreadsheet and hate myself because I'm not doing things quick enough, then other days I look and think yay me, I've done so well! The first six months whilst I was getting some cash behind e for unexpected expenses was the hardest.

You've got this, keep going :beer:

Hi Coffee!
Thanks! I'm really proud of how much I've paid off since starting this diary, but then the next minute I'm telling myself I'm not making enough progress and people want to take my money! I almost want January to hurry up so I can start my new SOA, but I don't want to wish my life away!

TravelGirl84

clearmydebts wrote: »

Sometimes it feels like 2 steps forward and 4 backwards but think of all the debt you'd have if you hadn't started tackling it.

This is true. I haven't used credit or gone into my overdraft for months, so at least I'm not making it worse and the payments I'm making are actually bringing debt down.