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HEROWHENZERO Diary
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Still got a lot of debt to pay off to my parents, but all creditors accepted offers and were cleared as of Dec 2017. Sticking to a budget and working hard, the tables are turning somewhat. The debt is manageable and I've been paying £500 a month, this has given me the opportunity to start building emergency funds and also some long term savings to fall back on, not great amounts, but having a buffer is somewhat comforting.
The biggest thing I've learnt is having a budget and sticking to it really keeps things in check. I don't spend any money recklessly, and I used to do that all the time on top of gambling all the available funds away.
Over 2 years in recovery from addiction, life is polar opposite to what it once was, and I'm grateful to be here, living a normal life with my family and friends.
One Day At A Time
HeroJust for today I will not try to solve all my life problems at once. | DFD: [STRIKE]April 2033[/STRIKE] Aug 2023
Original Debt: £96K Mar 2016 | Current Debt: £47350 Aug 20180 -
Starting to get a little bit uneasy about how long I'm going to be paying this debt back. 97 more months feels like it's a long way away. Then again, I don't want to rush that time away. The debt is going in the right direction, and I must take stock of how far I have come in the last 27 months.
There will be a day when I am debt free, and as long as I keep on keeping on, that day will come.
HeroJust for today I will not try to solve all my life problems at once. | DFD: [STRIKE]April 2033[/STRIKE] Aug 2023
Original Debt: £96K Mar 2016 | Current Debt: £47350 Aug 20180 -
Wow. Just read through your diary and found it incredibly inspirational.
Debt busting is a long old slog, but so worthwhile.
All the best,
SaF x0 -
HEROWHENZERO wrote: »Starting to get a little bit uneasy about how long I'm going to be paying this debt back. 97 more months feels like it's a long way away. Then again, I don't want to rush that time away. The debt is going in the right direction, and I must take stock of how far I have come in the last 27 months.
There will be a day when I am debt free, and as long as I keep on keeping on, that day will come.
Hero
Things always look bigger when you look forward than when you look back: that 97 months (which isn't even 97 any more) will break down into nothing, one payment at a time.
Keep at it! You've achieved a fantastic amount already. :T:T:TI think a bit of sunshine is good for frugal living. (Cranky40)
Fashion on the Ration challenge, 2024: Trainers 5 coupons. 5/68
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Just found and read your diary. You have come so far such an inspirational diary. Congratulations.MFWB#2
MFTT5 #28
Save 12k 2020 #1110 -
Hi All, Thought I'd give a little update, I'm still plugging away, one day at a time, moving forward. As each month passes, being debt free comes a month closer, there are sometimes down days, as I realise the mess I got myself into and the length of time it's taking to get out of it, but I also am proud to be where I am. The biggest thing is that I no longer gamble, I work at recovery as a priority and without any form of gambling, the finances have not got any worse.
Time is more precious than money.
HeroJust for today I will not try to solve all my life problems at once. | DFD: [STRIKE]April 2033[/STRIKE] Aug 2023
Original Debt: £96K Mar 2016 | Current Debt: £47350 Aug 20180 -
HEROWHENZERO wrote: »Hi All, Thought I'd give a little update, I'm still plugging away, one day at a time, moving forward. As each month passes, being debt free comes a month closer, there are sometimes down days, as I realise the mess I got myself into and the length of time it's taking to get out of it, but I also am proud to be where I am. The biggest thing is that I no longer gamble, I work at recovery as a priority and without any form of gambling, the finances have not got any worse.
Time is more precious than money.
Hero
Wow! Well done on halving your enormous debt in just two years! That's absolutely amazing! :T
It's going to take you some time to get rid of the rest of it, but if you carry on at the rate you are going that debt free date (already reduced by a DECADE!) will be reduced even further.
Please keep us updated - I look forward to hearing the rest! :TDebt: £11,640.02 paid in full! DFD: 30/06/20
Starter Emergency Fund (#187): £1000/£1000
3 month Emergency Fund (#45): £3300/£33000
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