New Leaf for 2026 - Dire Debts

linux_Master

@ryandotdee you know a lot of my colleagues have come from the freelance world and they say it is great! They all moved into the company for similar reasons to be fair. 

I've always been tempted to go freelance, but it is such a plunge! So hoping something on the side might be ideal. 

Amazing you have your own budget app though! That's actually quite a good idea. At the moment I am still an excel fiend haha! 

But yeah always happy to take a look! Feel free to drop me a message. Back end has always been my weak spot so if I can help with front end I would relish the opportunity!  

ryandotdee

yeah, I think stuff on the side is a good way to go, would be interested in how you get on if you do decide to try it.  Back in the day I used to write scripts and sell them on code canyon, made a nice little bit of cash on the side.

I was using google sheets before, but, I could not track everything i wanted, and was finding it hard to track things by time, Have sent you a pm, would be very interested in any feedback  

JoolzS

You have got this. The fact that you've posted in here means that you are serious about it. Many, many years ago I found this sub and because of it I paid off all my debt and also cleared my mortgage many years earlier than I expected. If the mortgage hadn't been cleared earlier then 2020 would have been an even worse year be because my husband had a heart attack and our income went down to close to zero for six months and we might have lost our home. But because of the advice from this site I had paid off the mortgage in full around six years earlier than we would have and it meant our home was safe. 

Chip away at it. Never beat yourself up if you have a bad month. 

I read and posted in here for months (or possibly years) before I did anything I should have done. I'm going to be 60 this year and I'm just happy that I have no mortgage and no debt. It doesn't fixed in one day or year. I think I was around 55 when I suddenly realised I was both debt and mortgage free and that was a nice day.