Focused on breaking the debt chains

FOMO_overspender

Wow just caught up and you're so close to paying everything off! Fingers crossed for more surveys to keep chipping away at the total 🙌 

laurarutter89

FOMO_overspender said:

Wow just caught up and you're so close to paying everything off! Fingers crossed for more surveys to keep chipping away at the total 🙌 

It is so close!! It is at a frustrating stage where i just want it gone right now. 

But unfortunately without wiping out my emergency savings i can't clear it. I want to keep an emergency fund to prevent getting back into debt ..

I will catch up fully on your diary later, i saw a couple of your recent posts and your doing amazing x

laurarutter89

I know the main reason for my diary is for debt, but i have forgotten some other exciting changes i have made too.

I always used to join gyms and hate going, and waste a lot of money. But i quit the gym after my wedding last June and have quite honestly been pretty lazy since. 

But during lockdown and especially since quitting smoking i have been going on my exercise bike everyday. Yesterday my bike broke so determined not to slip into bad habits i did a HIIT workout and loved it. 
So i got up earlier today and did another - 366 calories burned off before 9am i am impressed! 

Also i am almost at the 2 week mark since i quit smoking and i feel so much better for itt

laurarutter89

I finally have a reason to post

I checked my bank account and it was looking very healthy baring in mind that I get paid next Friday, so I decided to pay another £100 off the credit card.

That now leaves £787.27 to pay! Can't wait till next week to pay some more off.

Just went for a lunch time run also, easing myself slowly back into it so I can avoid gym costs.

laurarutter89

The day has finally come! I am debt free!!! 

I decided to use some of my savings to pay off the rest that was left.

I know that being out of debt means i can save and build my savings back up so I am not too worried about it. 

I am in shock still to be honest as i never thought i would get out of debt fully! 

vampirotoothus

Congratulations

laurarutter89

vampirotoothus said:

Congratulations

Thank you so much! 

ZaSa1418

laurarutter89 said:

The day has finally come! I am debt free!!! 

I decided to use some of my savings to pay off the rest that was left.

I know that being out of debt means i can save and build my savings back up so I am not too worried about it. 

I am in shock still to be honest as i never thought i would get out of debt fully! 

Congratulations  

laurarutter89

ZaSa1418 said:

laurarutter89 said:

The day has finally come! I am debt free!!! 

I decided to use some of my savings to pay off the rest that was left.

I know that being out of debt means i can save and build my savings back up so I am not too worried about it. 

I am in shock still to be honest as i never thought i would get out of debt fully! 

Congratulations  

Thank you xx

Kakiste

Wow well done. You're right- without monthly payments to your debt then you'll be able to build your savings back up quickly.