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Dear Diary - help me be Debt Free

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Comments

  • beanielou
    beanielou Posts: 96,638 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on weight & new jeans coming your way.
    Go you!
    I 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.
  • Lucifa73
    Lucifa73 Posts: 7,726 Forumite
    Part of the Furniture Combo Breaker
    Managed another 7.1km this evening - need to clock another 5km tomorrow and those jeans will be mine all mine!
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073


  • Lucifa73
    Lucifa73 Posts: 7,726 Forumite
    Part of the Furniture Combo Breaker
    The tablets seem to be taking effect. I feel much more 'me' if that makes sense? I even managed to flirt with Hubbles yesterday:p

    I think the running is helping too - making that 21km i n 3 days did my confidence a LOT of good.

    Now all I need is for the job market to pick up a little...:rolleyes:
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073


  • beanielou
    beanielou Posts: 96,638 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Pleased for you that you are on the up & up hun.
    Good news on flirting(Ive forgotten what that is!)
    Only a job to sort out now.:p
    I 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.
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oooh-er missus! Things can only get better.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Lucifa73
    Lucifa73 Posts: 7,726 Forumite
    Part of the Furniture Combo Breaker
    Cough. sneeze, splutter - need a duster and a hoover in here!!! Look at those cobwebs!

    It has been a while huh? What's new? Well still no job and almost no redundancy money left... Medication is controlling PND and I may be able to come off after Xmas but will see how I'm going... Nathan continues to be a source of wonder and joy as well as a little monkey...

    Will need to do an SOA and get to grip with finances properly. Gettin better at grocery spends etc but I have no income and need about £250 a month to meet minimum debt repayments... Hubbles can cover it but only just. Thing is if we can keep within our means (and it is marginally doable on Hubbles' salary alone) we will be debt free in 2 years and be able to attack the mortgage properly:rolleyes:
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073


  • beanielou
    beanielou Posts: 96,638 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hi Hun.
    So really you could manage on your hubbles £££'s alone?
    I 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.
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good to hear from you. Yep it could do with a spring clean in here!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Lucifa73
    Lucifa73 Posts: 7,726 Forumite
    Part of the Furniture Combo Breaker
    beanielou wrote: »
    Hi Hun.
    So really you could manage on your hubbles £££'s alone?

    I think so. Need to do the sums properly but we're currently cutting back/cancelling everything we possibly can and then will do the final sums and see what's what. There are savings too (which is why we don't get W/CTC or any means tested benefits) so we can keep going a bit longer as we are.
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073


  • Lucifa73
    Lucifa73 Posts: 7,726 Forumite
    Part of the Furniture Combo Breaker
    lucielle wrote: »
    Good to hear from you. Yep it could do with a spring clean in here!
    L

    Hi Lucielle - nice to see you're still subscribed. Have dragged myself up from a major wallow and am trying to get head on straight to deal with finances, particularly while I'm not working:rolleyes:
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073


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