SS's 2008 Debt Free Diary

joanneinwonderland

Hi sorry this is nothing to do with the current discussions on your thread but I just wanted to say congratulations. I started reading this evening and went right back to the start!

I am flabbergasted at how quickly you have paid off all your debts the organisational skills should be mentioned on your cv haha!!

Anyway I just wanted to say well done and that you have just inspired me to move all my credit cards (all with zero balances I might add...yes I'm a lurker!) to the drawer. I know I should cut them up but you never know when an emergency might occur. It just means if it is a proper emergency I will have to come home and get them rather than buy another handbag!!

All you folk with big lightbulb moments are life savers. if it weren't for you guys i just know i'd be in a stinker of a situation but as it is I've cut back over the last year and got out of student overdraft and denied myself and it has paid off. Myself and OH are both debt free woo hoo and actually starting to save for a deposit. (apart from my car loan but it was fully researched and only over 2 years!)

So really this is a well done and also a thanks!! Honestly. Reading stories like yours is such a source of tips and tricks and I now check my budget daily. force of habit!!

KEEP BEING NERDS!!

XXXXXXX:money:

southernscouser

joanneinwonderland wrote: »

Hi sorry this is nothing to do with the current discussions on your thread but I just wanted to say congratulations. I started reading this evening and went right back to the start!

I am flabbergasted at how quickly you have paid off all your debts the organisational skills should be mentioned on your cv haha!!

Anyway I just wanted to say well done and that you have just inspired me to move all my credit cards (all with zero balances I might add...yes I'm a lurker!) to the drawer. I know I should cut them up but you never know when an emergency might occur. It just means if it is a proper emergency I will have to come home and get them rather than buy another handbag!!

All you folk with big lightbulb moments are life savers. if it weren't for you guys i just know i'd be in a stinker of a situation but as it is I've cut back over the last year and got out of student overdraft and denied myself and it has paid off. Myself and OH are both debt free woo hoo and actually starting to save for a deposit. (apart from my car loan but it was fully researched and only over 2 years!)

So really this is a well done and also a thanks!! Honestly. Reading stories like yours is such a source of tips and tricks and I now check my budget daily. force of habit!!

KEEP BEING NERDS!!

XXXXXXX:money:

Wow. Thank you Joanne.

That means an awful lot.

Although why the hell you'd want to read all this drivel is beyond me!

It makes it all worth while and so much easier when people like yourself post nice comments like that. Thank you. :kisses3:

Buffythedebtslayer

Hello SS

hmmmm. its a toughie alright. I am at home for another 18/20 months till I am debt free. Have spent all day collecting stuff to Ebay in order to try and get a bit ahead. (I have five boxes of tat to sell!)

I can only speak for me obviously but I know when I move out I want a clean slate, no scary loan repayment and my wages to spend my way.

Although I guess I would do the 0% credit card thing, I have done it now for my OU courses.

and your diary isn't drivel, I read it when I first came here its excellent

take care hon

xx

Molanole

yellow_dude_who_likes_car_mats wrote:

I could stay here and it wouldn't kill me but I know it would make me unhappier than having to scrimp each month but be in my own place.

SS dude,

I totally see where you're coming from me and OH moved back in with his parents so that I could prepare a bit more for redundancy, pay off as much debt as possible so that when the HUGE paycut comes I'm not in the brown smelly stuff. Today I am on the web looking for flats and making viewing appointments cos there's only so much of my Mother in Law to be I can take.

I know it's risky financially, I know I won't be able to over pay on debts but for the sake of my sanity, my happiness and my need for just a tiny bit of privacy without having to justify why I won't be around for dinner, why I am popping out to the shops/pub/gym and without having to give a time that I will be home (I'm 31 tomorrow !!!!!!) I just need to do it.

So, whatever you decide, if it's for the sake of your happiness, we're all behind you! You'll still get debt free it'll just take a bit longer that's all.

Mola x

rustysmart

Wow! Just read this thread (well, most of it - there are SO many replies!). I feel so guilty, you have less an a third of the debt you had two years ago. Mine on the other hand has gone up in the last two years! Reason I signed up on here I guess. Good luck with your plans.

Verbatim

Don't they have furnished studios near you SS?? And how big was the flat at £675? (Was it that much)?

Not sure why you want to buy furniture at this point unless you can only rent unfurnished.

Buffythedebtslayer

Molanole wrote: »

SS dude,

for the sake of my sanity, my happiness and my need for just a tiny bit of privacy without having to justify why I won't be around for dinner, why I am popping out to the shops/pub/gym and without having to give a time that I will be home (I'm 31 tomorrow !!!!!!) I just need to do it.

So, whatever you decide, if it's for the sake of your happiness, we're all behind you! You'll still get debt free it'll just take a bit longer that's all.

Mola x

oh God you described my life. mostly I don't mind and I get on really well with my Mum but the whole dinner thing is constant PITA and I am 32!!!:o

Oh I don't know SS, yesterday I was all clean slate and today I am I have a stinking headache and want to watch the simpsons and go to bed.

long story

take care

(did you ever find that picture you were after :rotfl: )

southernscouser

Buffythedebtslayer wrote: »

oh God you described my life. mostly I don't mind and I get on really well with my Mum but the whole dinner thing is constant PITA and I am 32!!!:o

Oh I don't know SS, yesterday I was all clean slate and today I am I have a stinking headache and want to watch the simpsons and go to bed.

long story

take care

(did you ever find that picture you were after :rotfl: )

The Simpsons rocks! :T

And I know a good cure for headache but can't repeat it on here!

Why can't the clean slate carry on today?

And I did find that pic! :rotfl:

southernscouser

Verbatim wrote: »

Don't they have furnished studios near you SS?? And how big was the flat at £675? (Was it that much)?

Not sure why you want to buy furniture at this point unless you can only rent unfurnished.

Hi V.

There probably are furnished places but I'd rather an unfurnished or part-furnished place. I just know it wouldn't feel homely with other peoples furniture and stuff! :undecided

Well £675 is a rough price at the moment as I haven't decided 100% on location. Thats for a 2 bed flat so I can have my mates over and just a place to dump crap in aswell!

southernscouser

rustysmart wrote: »

Wow! Just read this thread (well, most of it - there are SO many replies!). I feel so guilty, you have less an a third of the debt you had two years ago. Mine on the other hand has gone up in the last two years! Reason I signed up on here I guess. Good luck with your plans.

Thank you rusty, and good luck to you too.

It doesn't matter what other people are doing or where you start. We all strive for the same target.