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The Mental Debt Struggle...
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Morning @Keedie! Huge congratulations on the bonus payment, that's brilliant news! I am so pleased you can crack the back of those fees and it'll give you a bit of a boost for the run up to Christmas
It's wonderful to be recognised for the hard work you have been doing, especially in monetary form!
Like @Sun_Addict said, don't forget to treat yourself, it's due to your hard work after all! So, savour the smoothie and enjoy watching the world go by
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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21264 -
Ooooooooh yay Keedie!!! Such brilliant news on the bonus! You go ahead and treat yourself to that smoothie!!!
xx
Debt Remaining: £8,781.53
3 Month EF: £1,000/£4,494
2025 MFW Challenge #9: £999.00/£4,0004 -
@keedie that's brill news about the bonus. I am delighted for you. Well done on your achievements, Indi x4
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On the subject of second guessing things Keedie you are far from alone. The only person I can think of who appeared to have zero self doubt and absolute conviction and confidence in his own ability was a certain Mr Trump. Moving swiftly on……!!
A couple of questions for you to think about when you’re feeling broken/struggling. I think I know what your answers would be, at least what I think your answers should be!Are you doing your absolute best? Can anyone do any more than their absolute best?Do you know anyone who has never made a mistake?Would you want to change any of the values by which you live your life?If you were following your own story from the outside would you be impressed by your spirit and determination?I don’t have the answers to life any more than anyone else does, but I sure as hell know that if more people lived their lives with the same kindness and humility that you do we’d all be much better off.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 59 -
Thank you @LittleMissDetermined, @Squirrelz92 and @IndiJonesi! I absolutely love this forum and everyone is so supportive. I will definitely enjoy my smoothie
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I contacted the online school, as I found out that they do a 3 subject package (which is conveniently not very publicised), and it's £3,300 instead of £4,838 which I paid, and he's only doing 3 subjects now that he's at college too. So I contacted them and requested that he be removed from 3 subjects and they will give me a refund for the difference, which I estimate to be about £1,200 pro-rata from the next half term. I'll be happy for any refund, and this will go straight back into my mum's savings and will reduce the amount that I owe her. So I am very happy with that.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 22/506 -
Yes that Trump Ego was a law unto itself @AntoMac!
Those questions are very invaluable, so thank you. I looked at them and honestly answered them, and I feel a lot better about things. I am trying my hardest, and I don't know anyone that has not made a mistake, and I wouldn't want to change or compromise the values that I live by. I think the hardest one to answer, is whether or not I would be impressed by journey if I was on the outside looking in. It's that lack of confidence that I have to work on. My family and friends keep telling me that I'm doing very well, and I'm very resilient and strong. But I don't feel it. And that I definitely need to work through. But I'll note those questions down to ask myself when I am struggling. Thank you for your kind words, they really mean a lot to me.
On a random note, my signature seems to have got all squashed and I've tried to fix it twice, but it's still squashed, I don't know what I've done wrong?? Does anyone know how to put it back into list format? Maybe it took up too much space...?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 22/505 -
My signature has gone loopy as well Keedie... no idea what's happened but I can't get mine back to how it should be eitherLife 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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21262
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It's a bit randomly annoying isn't it @LittleMissDetermined? I think they've reformatted the space allowed for signatures maybe. Mine was rather long, but even when I've removed bits to make it shorter, it just defaults back to the squashed version... bizzare.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 22/502 -
@Keedie may I say again how wonderful you are?! The bonus is so well deserved; and if you ever run for president, you have my vote! Love Humdinger xx5
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Fantastic news on the bonusI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2
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