Reality hit hard ......now i'm hitting back

bd80s

HappyNow wrote: »

I've spent the last hour reading your diary and just WOW! It's quite a story, and you've completely turned your financial life around so well done you.

To be paying off your debts so quickly while keeping a horse is amazing because they are not a cheap hobby!

I'm loving your enthusiasm. It takes me back to the early days of my own lightbulb moment - that initial feeling of cold panic, followed by a determination to do something about it, followed by the realization that you not only CAN turn your juggernaut around but that it's actually quite fun and rewarding in its own way. Obviously my numbers were much higher (I mean, I don't want to sound boastful or anything, but my debts are WAY bigger than yours :D) but the principle is the same.

Keep doing what you're doing and I've subscribed to watch your progress

Aw thanks Happy! I am 100% going to turn the juggernaut around, I spent too long hiding away from it so it's quite a release now to be facing it head on and going on the attack :rotfl:Yes yes you win, your debts are bigger than mine, one thing I am more than happy not to get into a competition on :rotfl:


In fairness I now only share a horse so only have part of the expenses (unfortunately they are the big winter expenses of feed and bedding) but look after him the most and I have the time to spend with him if not the money to spend on him at the moment so it works out well (he doesn't think so when he has to work for his keep ).


Thanks for popping by though and cheering, as with everyone who has done so it is hugely appreciated, within the next few days I should have an updated signature as pay day is hittin, yay!

bd80s

Morning all!


Pay day for me is finally here and I now only have 1 payment left on the loan from my friend and that HUGE weight will be lifted from my shoulders, really bad that I am already wishing the next month away......


Other payments won't go out until the 26th so while I know the money is there and waiting to be paid I'm not going to change the total on the current target loan yet (somehow feels like it would be cheating...) but when I do change the figures on it the outstanding at least the total owed will go down slightly yay! When I contacted them to advise I was increasing my payment I asked for the total amount outstanding to be confirmed and my original figure was £25 more than what it actually was! Staight in the "yippee" pot :j


Will hopefully get a small little bonus within the next week as well as I was a customer (with numerous loans ) of W*nga and have been told that my cases were loaned incorrectly and will be due a small refund, due to them being in adminstration I don't know how much it will be other than it will be a small percentage of the £2k+ that it was worth (if only I'd come to my senses earlier but hey ho its still a small win!)


Nights are slowly getting lighter (as am I ) and I am feeling a definate spring in my step.....all I need now is to see my first lamb of the season and I will be in full spring happy bouncy mode :rotfl:


Happy Friday all, I hope you have an awesome weekend:j

enthusiasticsaver

Well done for all the progress you have made this month. It will be great to see that fiend loan gone next month. Hopefully the days will start to get longer soon. Cold and frosty here in the mornings this week so it seems more like winter although we have had some nice sunshine and no rain thankfully. I don't expect mucking out a horse at this time of year is much fun. Have a good weekend.

bd80s

enthusiasticsaver wrote: »

Well done for all the progress you have made this month. It will be great to see that fiend loan gone next month. Hopefully the days will start to get longer soon. Cold and frosty here in the mornings this week so it seems more like winter although we have had some nice sunshine and no rain thankfully. I don't expect mucking out a horse at this time of year is much fun. Have a good weekend.

Thank you Enthusiasticsaver! I really do appreciate all support I get from people.


I don't mind the cost and frosty (icy I'm not such a big fan of) and quite enjoy the brisk mornings, absolutely preferable to wet, windy and miserable. Luckily it's been dry here all week although icy at the beginning of the week, I'm also a bit strange in that I love mucking out at any time of year so it's always fun for me:rotfl:


I hope the weather stays dry for you and you can have a good weekend too.

Drawingaline

I also wish time away between paydays. So I can get my money working for me lol! Once that loan is gone it will free up a big chunk of cash.

bd80s

Drawingaline wrote: »

I also wish time away between paydays. So I can get my money working for me lol! Once that loan is gone it will free up a big chunk of cash.

I've been pretty good and not wishing them away but this time it can't come quick enough!:D That chunk of cash will help and is already planned out, £100 to savings and £200 of the old old credit card with the £9k balance which is currently being paid off at £25 a month so will be nice to see some accelarated movement on that :rotfl:


On the overall debt movement all repayments have gone out so all balances reducing slowing, over 50% on the current target loan yay! As it stands I have two months left on that but any extra funds I get will go towards it, whether I can make up an extra £45 to get that cleared next month is to be seen.


Weekend was nice and productice, I have won my battle against the brambles in my garden finally ("yippee!"), thrown out a bag of rubbish hanging around, some old clothes that are not fit for charity shops and cleaned out my dining room so housewise I'm feeling all good :j Also managed to read two books (when its relaxing time inbetween housework and before TV is allowed on), get out on the horse both days and had an hours nap yesterday :rotfl:


And to top it all off I managed a 4.5lbs weight loss from last Monday so today I am feeling awesome and (whispers this) like my life is finally starting to become something good.


Hope everyone had a good weekend too, nights are absolutely drawing out now spring is coming:)

HappyNow

Wow you're on fire! Go you

How did you kill the brambles? We've got an ancient, tatty soft fruit bed where brambles have really taken hold. Horrible dangerous stuff to try and dig and I think we'll have to resort to chemicals. The roots are all intertwined with the gooseberries and if we can't sort it this year I think we'll just cull the lot and start afresh, but it does seem a shame.

bd80s

HappyNow wrote: »

Wow you're on fire! Go you

How did you kill the brambles? We've got an ancient, tatty soft fruit bed where brambles have really taken hold. Horrible dangerous stuff to try and dig and I think we'll have to resort to chemicals. The roots are all intertwined with the gooseberries and if we can't sort it this year I think we'll just cull the lot and start afresh, but it does seem a shame.

Thank you, I'm a little afraid it all seems to be going rather too well at the moment :rotfl:


Bramble killing has been around 8 hours (across multiple weekends) of just cutting them back and slowly getting down to the roots which I have now dug up, it is not an easy job! :rotfl:I have friends that run an agriculture store and they have stuff that if I see a shoot of them (for any pesky roots I've missed grrrr) I can use to spray that will then kill that bit off but hoping it wont come to that,,,,,,


I would recomend an hour at a time which is what I did (I can get bored easily doing boring things), filled a garden waste bag and then another hour the next weekend and so forth think getting to the roots is the only way to get rid for good. Painstaking boring, tedious and prickly job but well worth it, esspecially if you want to keep the gooseberries:)


Probably not the quick fix answer you were hoping for sorry :rotfl:

bd80s

Good morning all!


Last day of January is here, didn't that month take ages!


Not much for me to report but like to check in to make sure I am always in the right mindset. Two small bits for the "yippee!" pot, news of the w*nga refund came, through, on the bad note I thought my total claim was £2100 but I remembered it wrong (d'oh!) and it was £1200 so within 4 weeks I will be getting just over £50, not to be sniffed at and can be paid straight off target loan (assuming I haven't already managed to finish that one). Second one is I put in a complaint against v*ry about the marking on my credit file as it had been settled last year (don't panic anyone, I haven't used them for years but they were one of the reasons I spiralled at speed), they can't change the mark, but it never hurts to ask, but are sending me £15 as a goodwill gesture as they did not deal with my complaint within the correct time frames:T


So with both of these plus the survey sites I am very much hoping that the current target debt can be finished in February which will be a month earlier than anticipated, fingers crossed


Have to put a little something in the "nooooo" pot as well though, b'ah! One of my side light bulbs went last week and I forgot to get a new bulb on the weekend and then yesterday morning my dipped beam one went on the same light, grrrrrr. Absolutely no choice other than to get the two new bulbs yesterday then but fitted myself so only £14 but this pay day is turning expensive, luckily the bulk buy of the horse bedding saved me some monies and the funds were there, just!


Standard weekend plans of foods shopping, housework, horse but the added bonus this week of the six nations starting, woo hoo! I do enjoy rugby and once I have this debt tackled fully and all annual pots ticking along the way they should I am determined to start getting out to see my local team play, I live a 5 minute walk from their ground so I really should make more of an effort.


I hope everyone has a loveley weekend and all of you waiting for payday on the last day of the month can now have a big sigh of relief, the worst month is over :T

Drawingaline

Sounds like a nice weekend planned. Definitely need to stay on top of car maintenance. I was pulled over by the police because a brake light was out! Not an experience I want to repeat.