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Third time's the charm...
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It’s bitter down here too🥶 Sounds like you’ve got a lovely day and night planned, enjoy.Not long before debt free now, you’ve done so well.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Below 200 days is key landmark LMD. The next hundred takes you into single figures. Strange to think how bright and warm it will be in June when it happens, although we have lovely sun and blue sky currently, somewhere north of Tamworth heading for Rotherham. I do love the 4 seasons, especially when we actually get 4 proper separate seasons! Enjoy Scotland and your gig.
27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 53 -
I'm the same. Love all the seasons for what they are.AntoMac said:Below 200 days is key landmark LMD. The next hundred takes you into single figures. Strange to think how bright and warm it will be in June when it happens, although we have lovely sun and blue sky currently, somewhere north of Tamworth heading for Rotherham. I do love the 4 seasons, especially when we actually get 4 proper separate seasons! Enjoy Scotland and your gig.
I think there is something quote nice about a long walk in the crisp frost.2 -
I certainly agree that each season brings something different and I appreciate them all for their individuality. We are at the gig now. Support bands are decent but it was bitterly cold queuing to get on. I hope we can get a taxi back to the hotel quite easily once it’s done. It’s busy in Glasgow this weekend.
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
Enjoy you time away and well done on getting under 200 days. You'll definitely be in the singles in no time!
I'm looking forward to being able to count down in days. At the moment, I'm a minimum of 18.5 months away... 😩Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/500 -
You’ll get there @Keedie, and I’ll still be around to cheer you to the finish line! Don’t be disheartened, I’m almost 2 years into this diary now
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
That is true, you are further along on your journey. I'm so excited that you're nearly at your own finish line!
Do you know what, I think because my life is such a rollercoaster I forget that I've only had my diary since June 2022. It feel so much longer. Once we hit January 2023, I might start counting in months to my debt free date to keep me motivated. And thanks for your support as always, it makes a big difference xDebt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/501 -
The new tax year will see you very close to single figures in days remaining, then the countdown really will be fast
Credit card debt - NIL
Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
Mortgage 64,513/100,000 End Nov 2035
2022 all rolling into new mortgage + extra to finish house. 125,000 End 20362 -
Don't be disheartened @Keedie, our debt has been ongoing for many years, we had our LBM in 2015. I started a diary then, but then had a few issues (being made redundant twice and other things), and came back this year with a new user name and a new diary more determined than every.
I'll cheer you on. In fact I've just discovered your diary and subscribed. Think I had read a couple of bits on it before, but never subscribed.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Studies/surveys August £7.48
Decluttering items 771
Books read 14
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Aww thanks @Makingabobor2! It really is a journey to get out of debt, but so easy to slip into it... Well done you for keeping getting back up and fighting on. I've subscribed to you too.
I hope you weren't too cold in Scotland @LittleMissDetermined. It snowed here in London and everyone was out having snow fights and acting like kids again and it was lovely - but freezing!
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/500
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