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Things are Getting Exciting Now
Hi Cath,
I just wanted to say a big thank you. I have been a follower of the Cheapskates website for 3 years now. I've read 'Debt Free Cashed Up and Laughing' and ever since have tried to be efficient with everything I do: food shopping, rotating my pantry and knowing my fridge/freezer stock, clustering car trips, finding the shortest routes, etc.
You see I was $42,000 in debt, and completely overwhelmed with how to tackle it. In four weeks time I will be debt free, paying the deposit for my first house and have I've been on a Europe Tour too! I reduced my budget and prioritised the debts, and started snowballing them.
Last year was the hardest year ever, my marriage broke down at the end of 2011 due to unrelated issues, and I was left at that stage with $29,000 debt all in my name and the prospect of no help whatsoever from my ex-husband.
I had to cut my budget back even further and I balance transferred the remaining balance to a card at a 1.9% interest rate.
At least I know I can handle a mortgage because I have been paying my debt off at mortgage size payments for the last year plus renting and paying for all my other expenses on my own.
Things are getting exciting now. I'm building my new house, so instead of another hard year I've got so much to look forward to and be excited about!
Thanks again,
Kris
I just wanted to say a big thank you. I have been a follower of the Cheapskates website for 3 years now. I've read 'Debt Free Cashed Up and Laughing' and ever since have tried to be efficient with everything I do: food shopping, rotating my pantry and knowing my fridge/freezer stock, clustering car trips, finding the shortest routes, etc.
You see I was $42,000 in debt, and completely overwhelmed with how to tackle it. In four weeks time I will be debt free, paying the deposit for my first house and have I've been on a Europe Tour too! I reduced my budget and prioritised the debts, and started snowballing them.
Last year was the hardest year ever, my marriage broke down at the end of 2011 due to unrelated issues, and I was left at that stage with $29,000 debt all in my name and the prospect of no help whatsoever from my ex-husband.
I had to cut my budget back even further and I balance transferred the remaining balance to a card at a 1.9% interest rate.
At least I know I can handle a mortgage because I have been paying my debt off at mortgage size payments for the last year plus renting and paying for all my other expenses on my own.
Things are getting exciting now. I'm building my new house, so instead of another hard year I've got so much to look forward to and be excited about!
Thanks again,
Kris
