Forum Home» Debt-Free Wannabe» Debt Free Diaries

Going, going...still going! - Page 75

New Post Advanced Search

Going, going...still going!

edited 29 November 2019 at 9:03PM in Debt Free Diaries
891 replies 63.3K views
1727375777890

Replies

  • doingitanywaydoingitanyway Forumite
    5.9K posts
    Ninth Anniversary 1,000 Posts Name Dropper Mortgage-free Glee!
    ✭✭✭✭
    Well done with your NSDs. I too have a target of 20. I am on 7/20 so not doing great. Must try harder.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    663 posts
    500 Posts Name Dropper Photogenic First Anniversary
    ✭✭
    Again, so resourceful, GAP - I'm very glad you're in better days now (and still canny as then) ;)

    I'm not too far ahead of you on the NSD front, doingitanyway! Still time to rack them up though :)

    Today I amused myself with a little daydream at work today - it would be very financially irresponsible, and just irresponsible in general, but if I had enough to get by for a month or two, I couldn't help thinking how nice it would be to just walk out and leave the nonsense behind. I actually love to work, but a month to reset and recharge sounds very tempting... but not. at. all. feasible :p Maybe one day... :rotfl:

    NSD today, and should be for a few days longer....[STRIKE]Unless I buy a lottery ticket.[/STRIKE]
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0 :)
    Look at you, reading all the small print in the signatures. Your hair is looking lovely today, even if it's a little longer. Suits you.
  • PentaclePentacle Forumite
    17 posts
    10 Posts
    A daydream I think many have at this time of year, you're not alone. It's the yearly slump after xmas. Keep dreaming though, find the little daily positives, spring will be showing signs before too soon, days are getting lighter. My daffodils are emerging! Perhaps plan a little treat for February. It helps me.
  • girlatplaygirlatplay Forumite
    3K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ✭✭✭✭
    Pentacle wrote: »
    A daydream I think many have at this time of year, you're not alone. It's the yearly slump after xmas. Keep dreaming though, find the little daily positives, spring will be showing signs before too soon, days are getting lighter. My daffodils are emerging! Perhaps plan a little treat for February. It helps me.

    I love when the daffodils come out. Always makes me feel happy :)
    Loan (£7,500) current balance: £4,423.18 :: Original DFD 01/12/2023 Expected DFD 01/04/2023
    IO Mortgage current balance: £87,390
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    663 posts
    500 Posts Name Dropper Photogenic First Anniversary
    ✭✭
    You have both made me smile - spring is around the corner after all, and the mornings are definitely getting lighter too :)

    I've had a wee flurry on PA recently, so had £9.23 cashed out today. I've got another £1.22 (ish) clearing, but I like cashing out when I still have a little more to clear, so then when it does clear, I have a wee head-start, and I'm not starting at zero again :o It's the little things!

    I was intending to put it to the EF, but it feels like it's been quite a long month, so I took a detour home via a posh wine shop and asked for the finest bottle of wine they could sell me....without spending more than about £8 (because PD got a bag of Dreamies ;)) I fully expected to get laughed out the shop, but they were so enthusiastic about it and I've got a lot of bang for my buck! :D I got a few pointers too, which I love. There's something so endearing about people sharing their knowledge about a subject they are so passionate about. Not sure anyone feels the same when I talk like that about PD (who is currently dramatically draped across me, like some aging Hollywood starlet on a chaise-lounge) but it doesn't stop me :p
    Here's to the weekend :beer: :)
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0 :)
    Look at you, reading all the small print in the signatures. Your hair is looking lovely today, even if it's a little longer. Suits you.
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    663 posts
    500 Posts Name Dropper Photogenic First Anniversary
    ✭✭
    I have forgotten the downside to having the slow cooker on all day - it's only 11am and my flat smells amazing :o Just 8 hours to go.... :rotfl:

    NSD yesterday and today - a friend is popping round later, but as we both drink black coffee, there's no need to go out for milk :p

    Budget all ticking along, and will be fine until payday. I think I need to reset my YNAB though, as I can't work out what's going on. I'm tracking my EF in it too, and I think that's throwing it off, although it didn't do that whilst I was debt-busting, so not sure why it's being odd now. Hmm. :think: I will tinker with it this afternoon.

    I also need to do some general budgeting and SOAs as I've heard some news about a potential job through the grapevine. It sounds pretty great on so many levels, but it would mean a pay cut for a couple of years :( I need to do some soul-searching and some serious spreadsheeting. Whilst I'm pretty certain I can make the budget balance, it would dramatically cut into my savings plans. On a positive note, this is not something I could even think of considering when I was debt-busting, but I'm just not sure I've got the strength of character to go through 2 or 3 more years of enforced frugality, when things have been so tight :o

    Wouldn't it be nice to have a wee glimpse into the future to see how things could turn out? :p Off to make a coffee, lure PD away from sniffing hopefully at the slow cooker and crack on with some number crunching ;)
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0 :)
    Look at you, reading all the small print in the signatures. Your hair is looking lovely today, even if it's a little longer. Suits you.
  • mark88manmark88man Forumite
    5.3K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    I would trust your reluctance- you will need strength of character both to live on less money and to stay in a job you don't love as much. BUT
    * you don't really know what the new job would be like
    * I find strength of character responds well to money
    * there is a better job out there for you - but you need to let your confidence and self worth build with your savings then strike out new you style - don't go back to being having no money as a way of life

    HTH -

    slow cooker sounds lovely. I had more immediate fun by making vegan coleslaw in the blender - 20 mins of high intensity whizzing and 5 days lunchboxes set aside
    I think I saw you in an ice-cream parlour - Drinking milk shakes cold and long - Smiling and waving and looking so fine (5 years - Bowie)
    Weight/Health - 1/1/2020 - 121kg : 27/06/2020 - 107Kg - Last month +1kg
    12/19: CC:[email protected]% - Car:[email protected]% - Mort:[email protected]% = £140K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020 (YTD): -£15K
  • girlatplaygirlatplay Forumite
    3K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ✭✭✭✭
    It's a lot to consider, taking a pay cut to progress. The good thing is you now have no debt to consider so it's easier to make choices, even if the choices themselves are not easy.

    I do agree with this though:
    mark88man wrote: »
    ...don't go back to being having no money as a way of life...
    Loan (£7,500) current balance: £4,423.18 :: Original DFD 01/12/2023 Expected DFD 01/04/2023
    IO Mortgage current balance: £87,390
  • PentaclePentacle Forumite
    17 posts
    10 Posts
    I wanted you to know, today I am officially debt free! Made my final payment £410 to my last card and the balance is ZERO. I have £300 in my emergency fund to start building on. I was very lucky in that when I had my LBM, I was able to increase my hours of work, and all extra earnings were used for my debt.
    I want to thank you for being my pace setter and support, every time you made a payment, I did too, including your little morale boost payments, I tried to match them as well. You have no idea how it helped, knowing someone was working through the debt with me.
    Even better, changing my mind set about money, I have lots of saving pots for xmas, the car, birthdays, etc. I am in control! And now enjoy seeing the pot balances go up, instead of spending.
    THANK YOU, BCNS :j
  • girlatplaygirlatplay Forumite
    3K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ✭✭✭✭
    Congratulations Pentacle! :D
    Loan (£7,500) current balance: £4,423.18 :: Original DFD 01/12/2023 Expected DFD 01/04/2023
    IO Mortgage current balance: £87,390
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support