Time to Face The Music

RelievedSheff

alt80 said:

Being home for the weekend probably is a novelty to you now!

We were the same when we had the boat. Very rare we had a weekend at home.

I don't think we will be quite so bad with the van because we don't have to go anywhere to check on it. With the boat we had to drive to the marina to check everything was ok with it. By the time we had driven there we may as well have taken the boat out. With the van it is at least just sat on the drive. Can just nip out to check things as and when.

A weekend at home with no plans will be nice  

amber03

We are due to go out next week in our new caravan and cannot wait. It feels different just looking where we want to go and the price u pay is minuscule to what we normally pay and we can now go anywhere we feel like. So far we have a few breaks booked over the next few months as we can use the van over winter. Have been following your travels with interest. We are like u lucky that we can have our caravan stored on our drive so we can get it ready to travel in no time.xx

RelievedSheff

Today is the day that my final CCJ drops off my credit file   

It will be a no spends day.

Breakfast, lunch and dinner will be from stores. It was crumpets for breakfast, the other half has taken his packed lunch to work, I am having a jacket potato for my lunch and dinner tonight is a BBQ.

Today's jobs include:

• working from home
• load of washing
• cleaning the bathrooms
• walking the dog x 2

We had a plague of harvest flies last night. Wondered what on earth they were at first, there were thousands of them. Plenty of people were complaining about them on the local Farcebook group. It was too hot to shut the windows though so we just left them too it. They seem to have gone this morning rather alarmingly, not sure where too. Sure they will be back later when the sun comes out again.

Sun_Addict

I bet that's a huge relief to get rid of the CCJ. Ugh to plague of harvest flies, hate anything like that. Reminded me it's getting to flying ant season any time now, they drive me nuts, they're so dozy, get everywhere.

Allikat86

Congratulations on the CCJ dropping off! ☺️

RelievedSheff

Sun_Addict said:

I bet that's a huge relief to get rid of the CCJ. Ugh to plague of harvest flies, hate anything like that. Reminded me it's getting to flying ant season any time now, they drive me nuts, they're so dozy, get everywhere.

It is a massive relief to get it gone. The final reminder of how desperate things were!!

Onwards and upwards now

Will just give the CRA's a few weeks to update their records and then start looking for a balance transfer card to start making a dent in the credit card balances.

alt80

Congratulations! 🥂 now crack open a bottle of champagne and get that 0% applied for. 😆

You’ve moved on from the dark days that resulted in the CCJs etc to get through to where you are now is incredible. You’ve not let it get to you and from what I can see you have still managed to live a life. Absolute inspiration to anyone but especially those who might be on here because it’s got that bad. Tbh whilst I’ve not been there, I acknowledge there’s only so many times I can keep building large personal debt for stupid stuff before something similar could happen. I have been saved by my res portfolio but really all that did was buy me time until my head was in the right place to want to deal with it all. Might have a bit of banter with you but you’re an inspiration to me too, I think your mindset is incredible. 

joedenise

Great that the CCJ drops off today.  Good idea to leave it a couple of weeks to make sure it's gone before applying for a 0% CC.  That debt will definitely drop much quicker without interest to pay.

RelievedSheff

Thank you.  

Bit early for the champagne yet. Might have a beer or two with the BBQ later though. See how I feel later.

milann

You’ve come a long way on your debt journey. Hope you’re feeling proud 👍