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Debt free before August 2023

edited 3 December 2019 at 2:43PM in Debt Free Diaries
257 replies 11.9K views
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  • savingholmessavingholmes Forumite
    12.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    You are doing well on reducing your overall debt. Good choice to build your EF back up.

    I hope you get your ideal job soon. Have you written down exactly what you're looking for so your unconscious can start its search?
    During 2020: Target 1) Reduce debt from £25.1K @ 0% Now down to £17,357 Target 2) Overpay mortgage - now @ £777 OP Target 3) Improve pensions Target 4) Declutter 52 bags - Done with help of skip. 5) Lose 21lbs - now at 15lb lost 6) Build/maintain EF/Savings pots at £1K or more by 31/12/20
  • twiggy86twiggy86 Forumite
    1.5K posts
    Fifth Anniversary 1,000 Posts
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    You've done incredible! I know how you feel about wanting it all gone yesterday! It's worse for me towards the late middle of the month - I get very frustrated and impatient! Must keep plodding along though!

    Thanks for mentioning Zipzero - hadn't come across that one but I've now downloaded!
    Starting again.. LMB 31.7.19 Starting total: £13,418.33 Current total: £9,865.97
  • Poppy1984Poppy1984 Forumite
    490 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    You are doing well on reducing your overall debt. Good choice to build your EF back up.

    I hope you get your ideal job soon. Have you written down exactly what you're looking for so your unconscious can start its search?

    Thanks saving holmes I have wrote down in my gratitude journal that I wish to find a job that I enjoy which is 9-5 min-fri and that pays at least £200 more a month after tax than what I earn now, but maybe I need to be more specific? I don't live on the biggest most dynamic place so decent salaried jobs are far and few between.

    Poppy :heart:
    19-02-18 Total Debt £30,322
    Debt remaining: £11,728
    Original DFD Aug 2024 New DFD Dec 2022
  • Poppy1984Poppy1984 Forumite
    490 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    twiggy86 wrote: »
    You've done incredible! I know how you feel about wanting it all gone yesterday! It's worse for me towards the late middle of the month - I get very frustrated and impatient! Must keep plodding along though!

    Thanks for mentioning Zipzero - hadn't come across that one but I've now downloaded!

    Thanks for popping by twiggy86 thank you sometimes it's doesn't feel like I'm doing incredible but it's lovely to hear! Yes middle/late month is torture!!!!

    No problem I spotted it on someone else's diary and downloaded it, it seems to build up quite quickly excited to get to my first £10 and pop it against a bill. You don't have to wait until £10 I think you can do it at any point.

    Poppy :heart:
    19-02-18 Total Debt £30,322
    Debt remaining: £11,728
    Original DFD Aug 2024 New DFD Dec 2022
  • EyebrightEyebright Forumite
    1K posts
    Cashback Cashier
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    Ooooh you will be so excited when your loan dips below £15k. Not long now :j
    POAYDBX 2020 #? 20/4000
    1 debt vs 100 days #14 20/1000
    Saving for Christmas 2020 50/500
    EF Saving 285/500
  • Poppy1984Poppy1984 Forumite
    490 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    I'm sooooo excited! Feels so far away still but hopefully I can get it here sooner rather than later :)

    Poppy :heart:
    19-02-18 Total Debt £30,322
    Debt remaining: £11,728
    Original DFD Aug 2024 New DFD Dec 2022
  • EyebrightEyebright Forumite
    1K posts
    Cashback Cashier
    ✭✭✭
    You've got it in your sights now, there'll be no stopping you!
    POAYDBX 2020 #? 20/4000
    1 debt vs 100 days #14 20/1000
    Saving for Christmas 2020 50/500
    EF Saving 285/500
  • savingholmessavingholmes Forumite
    12.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Hi Poppy

    I would be more specific about your job hunt. When do you feel most alive - how could that relate into a job? Do you like time alone or in a group or a combination? What management style gets the best from you? etc
    During 2020: Target 1) Reduce debt from £25.1K @ 0% Now down to £17,357 Target 2) Overpay mortgage - now @ £777 OP Target 3) Improve pensions Target 4) Declutter 52 bags - Done with help of skip. 5) Lose 21lbs - now at 15lb lost 6) Build/maintain EF/Savings pots at £1K or more by 31/12/20
  • Poppy1984Poppy1984 Forumite
    490 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    Eyebright wrote: »
    You've got it in your sights now, there'll be no stopping you!

    Thanks hun feels like such a slog but it will be so worth it.

    Poppy :heart:
    19-02-18 Total Debt £30,322
    Debt remaining: £11,728
    Original DFD Aug 2024 New DFD Dec 2022
  • Poppy1984Poppy1984 Forumite
    490 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    Hi Poppy

    I would be more specific about your job hunt. When do you feel most alive - how could that relate into a job? Do you like time alone or in a group or a combination? What management style gets the best from you? etc

    Ah right I see what you mean, no I certainly haven't been that specific mainly because I can't even answer those questions! Hmmm need to have a think and do some brainstorming.

    I think I feel most alive when helping people, and enjoy a mixture of independent and team work projects. Management style I don't like to be micromanaged but I'm happy to be accountable and have set targets to meet etc.

    Thank you for the food for thought, I'm going to explore these ideas further.

    Poppy :heart:
    19-02-18 Total Debt £30,322
    Debt remaining: £11,728
    Original DFD Aug 2024 New DFD Dec 2022
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