A Year in the Life of...

[Deleted User]

Popping in briefly to say, eeeeeeeek....So. Close!   Enjoy your afternoon teas when they come around, that sounds lovely. 

beanielou

How lovely to have two afternoon teas to look forward to.
I love afternoon tea 

girlatplay

[Deleted User] said:

Popping in briefly to say, eeeeeeeek....So. Close!   Enjoy your afternoon teas when they come around, that sounds lovely. 

beanielou said:

How lovely to have two afternoon teas to look forward to.
I love afternoon tea 

Thank you both.  I am very much looking forward to them.


I still have the £9 left in my allowance so I'm going to pay that to the EF shortly.

I cancelled my dd with the loan company.  I had it in my head that I had to cancel no less than 14 days before it is due out of my account but I'm starting to think that might not have been the case.  Just didn't want them taking it on 1st when it has been paid off by then.  I got a panicky text message from them "You have cancelled your dd, contact us immediately to arrange to set up a new one or arrange alternative payment.  If you've already paid then that's ok don't worry about it." (paraphrasing slightly)
I'm not worrying about it anyway.

Grocery fund looking good.  I allowed a bit extra this month with the new salary, just for a bit of breathing space.  We have meal planned through to Sunday night and there is more than half the budget left.  Would be very nice if we could come in under budget.

beanielou

Enjoy your weekend 

girlatplay

beanielou said:

Enjoy your weekend 

Thank you.  You too 😊

girlatplay

I'm feeling really sorry for myself today.

I finished the antibiotics just over a week ago and after feeling much better, I've dipped a bit.  There is a definite decline.  I don't want to do anything about it at the moment so I'm going to eat healthily, drink the horrible drinks, have early nights and try to be nice to myself.

I am thinking, why am I waiting to pay off the loan?  Yes, the washing machine or fridge freezer could pack in or the house could fall down in the next two weeks but if they do then I'll just need to deal with them.  I requested a settlement statement about 20 minutes ago and uplifted the funds from the EF.  £2,242.06.  It's about 12p more than I calculated but it's close enough.  The EF funds might arrive in my account later, in which case I'll pay them right over.  If not, it will be tomorrow and I'll pay them over then.  Balance in EF now £34.94 😬

I feel like a fraud though.  I know I've got people here cheering me on and I'm thankful and appreciate that but this time around feels different.  This was not my lightbulb moment, I had that years ago, paid off my debt and became debt free.  I knew exactly what I was doing when I took this loan on.  It was a safety issue which I couldn't afford to cover outright as I didn't save enough in my EF (nothing that any insurance could cover - I am fully home and car insured).  It just doesn't feel the same.  There are so many other people fighting to get debt free that need the cheers.

I noticed yesterday that it is almost two years to the day (24th May) that I came back here after a bit of a break, with the new loan in tow.  I started my previous diary (Gap is Back - Time to Knuckle Down) with a bit under £6k and 54 months of the loan to go.  I am very pleased with my progress and it really helped to witter my nonsense on here.

For anyone who might be keeping score, as soon as the EF funds hit the loan account I will have won the secret competition by just over 2 years.  He has no idea.  I accidentally mentioned it at one point (think I said that here at the time) but he never pays attention to a word I say anyway so he will have forgotten all about it.

I know I'm feeling a bit low today but I fully intend to keep posting.  I have an EF to fight for and that's my next goal.

The EF funds should hit the loan account by the end of the week so I'll post to confirm, if I haven't posted before that.

I hope everyone else is feeling brighter than me today 🙂

joedenise

You had the money there in your EF so it made sense to pay off the loan to save interest.  Now to refill that EF.  You can do it now you don't have that loan payment to make.

Well done.

girlatplay

joedenise said:

You had the money there in your EF so it made sense to pay off the loan to save interest.  Now to refill that EF.  You can do it now you don't have that loan payment to make.

Well done.

Thank you

[Deleted User]

Oh you're so hard on yourself Gap! You are absolutely worthy of the cheering - you've done so much hard work, and even if the debt was calculated, it still counts - you got stuck in, and cleared it, and shaved a whopping 2.5 years off. Others could easily have sat back and let that trickle away...or have found temptation and added another lump to it. But not you. You cleared it in style, and you are worthy of praise. Even if you don't feel that way just now, I hope you can take some self-satisfaction at some point...even if not quite now.  Right here with you on the reverse-debt-busting-replenish-EF train, choo choo  

PD and I send a gentle cheer (me), a nose boop (PD) and a swift headbutt to the chin (PD again, she shows affection in odd ways). Take care, and be nice to yourself. If it was one of us, you'd be first in line telling us the same  

astrocytic_kitten

Totally agree with BCNS, you’ve dealt really well with a tough hand and still deserve cheers - you’ve done incredibly well. For what it’s worth I felt slightly deflated when I paid the last of my loan off from savings too, it was like I’d cheated somehow and I wasn’t really debt free till I’d paid the savings back. That’s daft though, debt free is debt free, and you’ve saved on interest.

Your plan to eat healthily and be nice to yourself is a good one, be very very nice to yourself xx