2024... Debt no more🤘

WinterWarrior

What a great saving. I love the cinema, but rarely go as MrWW prefers to wait for it on tv 😖
I love the sound of a cuddly bunny. We have a rabbit warren at the bottom of our garden and I buy carrots every week to feed them in front of the kitchen window. I never tire of seeing the wild rabbits. Some years we will have loads of babies, then the numbers will drop right off, I worry, but then they’ll pick back up. They also like apples and the birds peanuts and seeds and will eat the birds bread (leftover wraps are a favourite) and leftover rice from the rice cooker 🤭

WhiteBunny

WW, that's so lovely. Mine is also partial to banana and grapes. I'm glad I've got him. Had two french lops but they both passed last year, both 9 years old. 
Fed up, £162 to AA for car battery and £129 to McAfee and 2.5 weeks to payday 🥺.

WinterWarrior

Ouch to the spends. My car warns me a lot about my battery when it’s cold. I’m trying to keep it happy by taking the car for a run each Sunday. As I work from home I don’t t run it as much as it would like 😣 It doesn’t complain half as much in summer. 

WhiteBunny

Is it normal to keep going over the budget to see how much more you can put to the debt repayments? I fear I'm going to drive myself mad at this rate. So far I'm looking at £320 a month for £23k of debt which I think should be about 6/7 years to clear, but I feel it's not enough and am getting really anxious. Some days Im more brazen in my attitude, it is what it is sort of thing but mostly anxious. 
Anyway, looking forward to DOI and trigger point tonight. Into the office for work tomorrow 😞

WinterWarrior

Perfectly normal. I was obsessed with paying extra payments to my credit card and loan when I had them. I wish I could be as obsessed with saving, but I’m struggling with that. Have you tried doing surveys? They are a great way to make a few extra pounds to send towards debts, every little really does help. I’m sure you’ll be able to shave years of your estimate. 

WhiteBunny

More phone calls and messages from creditors today. Reached a new low in my mood I'm so angry with myself for being in this situation 🤬. Looking to start the dmp in May or even June depending on defaults and emergency fund. 
Daughter taking me out on Sunday for a meal so I'm looking forward to that.

WhiteBunny

Pull yourself together! That's what I said to myself, it's only money and you're going to pay it back but on my terms, not theirs.
Went over to see my friend yesterday evening, was good to catch up - a much needed break from the routine. 
With a fresh focus and mindset I've done the final budget for setting dmp payments so I'm ready to go. Missed a call from a creditor yesterday... was at 8.03am! I mean come on. I'm first on their daily list, obviously 😂.
Looking forward to going out for a meal tomorrow (that I'm not paying for) followed by a nice walk along the canal so hopefully it will stay dry but I do believe it's going to be showery, will be taking the brolly just in case.

WhiteBunny

Lovely day out today - didn't walk along the canal, absolutely pouring with rain. 
Decided to do a car boot sale to get some extra pennies - lots to sell. What doesn't sell will be going to the charity shop. Also signed up for you gov. surveys.

WinterWarrior

Did you have a nice meal? A car boot is a great idea. 

WhiteBunny

Hi WW, lovely meal - carvery. The place was packed as you'd expect but we had a nice booth so was in our own space sort of thing. 
As for today...an update:
Leak in the bathroom - fixed
Leak in the airing cupboard - fixed
Stairlift - fixed
Budget - sorted
DMP amounts - sorted
Car boot stuff - being gathered
Defaults - awaited
Life - already feeling better 🤘
Weather - could be better 🤣