I've just worked out that if we can come up with an extra £250 per month...

Jacks_xxx

chevalier wrote: »

Hi Jacks
Well done on your debt free ness.
I am sure that it is weird having NOT to debt bust unless you want to stay frugal.. And in some ways it has to be tempered by the money that you OH isn't bringing in at the moment. Has he been made redundant from both jobs or does he still have his second job?

That is probably bringing down your elation. At this point you should have had £'s to spend on what you like each month, whereas now that extra isn't there.

On the other hand at least it has happened now. It could have been so much worse! And the lessens you have learned along the way will keep you in good standing now

best of luck. and well done to OH on doing some education
chev

Hey Gorgeous one!

Hubby can still do his odd and ends jobs but he's lost his main one. he's really enjoying college though so that's a positive thing.

I'm still working all mine (but I have chilled out a little hours wise. My main job is under threat I've just heard but I don't know if that means my hours will be cut back (Which I probably wouldn't mind) or if my boss is planning to do without me entirely. (Which would be a bit:eek: :eek: :eek: ) We shall have to see. My boss is something of a drama queen at times, so perhaps nothing will come of it.... :rolleyes:

We definitely want to keep being frugal and we 're still DFWs cos having been in horrendous debt, we definitely never want to go back there again. (I've never been the frugallest of them all though honey - just miles better than we used to be. )

How're things ont'other side of the world?

Love Jacks xxx

Jacks_xxx

Spirit wrote: »

Congratulations. I am delighted to read your news.

The rate at which you tackled your debts is fantastic.:T :T :T That is real self discipline. The peace of mind that you will have whilst your husband is out of work because you are debt free, must be priceless.

Thank you honey. You're so-o-o-o-o right. It is a great relief to be in the position of just having to keep ourselves rather than worried sick about how the heck we're going to keep up with all the repayments. Redundancy is never afun time but there are waaaay worse times that it could have happened to us.

We have had our ups and downs with the debt repayments but Hubby says thatI'm "relentless Like Terminator" :eek: so we have always got back on track as soon as we could afterwards.

Plus we have had loads of good luck with being able to get extra jobs when we needed them, and getting bonuses and people paying back loans etc.

Our kids have been fab. They are no angels - believe me - but they have been nothing but a help getting our finances back on track. (Although our eldest did have a bit of a hiccup about paying "keep" way back when - but his Auntie ISOM amongst others sorted him out! )

And leaving the best for last, if we get low and need a moan - or if something happens and we just don't know what to do then of course we have had MSE and expecially DFW to help us out with support and advice.

So it's been a group effort really.

Love Jacks xxx

Jacks_xxx

Karmacat wrote: »

Congratulations, Jacks! *So* pleased to hear you're debt free - and pleased I found this thread as well! Its making me give serious thought to an offer on my loan (imagine a wistful tone here).

And I just want to agree with what people have said about your contributions. When I see that distinctive font and size you use, I *know* that the post will be positive, thoughtful and REAL - you're amazing.

:wave: Oh honey, what a lovely thing to say!

Careful my lovely, you'll be starting me off with the waterworks again....

Definitely lowball your lender at first. We didn't get ours to accept our opening offer but we paid a lot less than they said we still owed and a heck of a lot less than we would have paid if we'd just carried on making the monthly payments. I need to read the paperwork again really thoroughly but I don't even think that we've signed to say that we won't claim back the PPI so I'm going after that as well!

MSE has created a monster! :rotfl:

Love Jacks xxx

Jacks_xxx

lilian1977 wrote: »

Just read through this as I thought it was a new thread when I clicked on it - how have I not seen it all this time?!

Anyway, CONGRATULATIONS JACKS! I'm so happy for you xx

I've been really bad at updating this diary hon so it doesn't pop up very often.

Elsas mamma resurrected it and I'm soooooo grateful to her. It really reminded me of how things were for us not so long ago.

I've read it through a couple of times now and it really takes me back along the journey to get here.

Thanks so much for the good wishes my lovely,

Love Jacks xxx

Jacks_xxx

Lemon_Tree wrote: »

congratulations on becoming debt free Jacks, it's lovely when one of us makes it, it pushes the rest of us onwards to clear our own.

Hope your OH is able to get a job soon

:wave: Cheers sweetie, It's great to have some good news to share.
Thanks ever so much for the good wishes. Who's going to be next to hit their target out of us lot then??? :eek: (I can help if anybody needs some nagging doing. Hubby says if they ever make it an olympic event I could take the gold! :rotfl: )

Love Jacks xxx

Elsas_mamma

Jacks...
Congratulations!!!:beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer:
What wonderful news. As has already been said, you are an inspiration to us all. It really gave me hope when I read your news, our situation seems to be getting worse instead of better!!!!!! But, I am really craning my neck and still looking for that light at the end of the tunnel....it must be there somwhere:search:
Take care and well done again.
K

misselvis

Let me add the congratulations you have add such humour and honesty to your journey of becoming DF. I am holding you up as my guide. I am working several jobs in addition to my main job and have recently had my light bulb moment as I wanted to go back to my studies next year so have 18 months to pay off £7000. I just want to say thanks you and continue with the journey of MS.


misselvis proud to be dealing with my debt:D

beanielou

Its now in the email
Wow jacks

danbean

Hi,

After reading many of your posts on here, I feel really motivated to get debt free and now I can see it works, I'm willing to give it a go.

I'm abit of an Ebay Pro, so know how to list things on there. I'm not sure where to go to earn money on these surveys etc... Please could someone help me out?

Many Thanks!

Jacks_xxx

misselvis In the often quoted words of Rob Schneider in the Waterboy.

"You can do it!"

http://www.youtube.com/watch?v=VZ2HcRl4wSk

beanielou wrote: »

Its now in the email
Wow jacks

Berlimey! :eek: :eek: :eek:

Danbean You need our Queen of Clicks Eagerlearner. She's got a whole rundown she can PM you. I'm pretty sure that if you do a forum search for "Daily Clicks Eagerlearner" you'll find her.

Love Jacks xxx