The day has arrived….! I have the 2nd of my 3 consumer debts paid off! It brings me no end of joy to say goodbye forever to my Personal Loan, having made the final payment to clear it today.
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I took out this Loan when I bought my house a few years ago. My mindset back then was ‘how much will they give me’, rather than ‘what do I need’. So, although I used a lot of the loan to buy things that were needed for the house, a LOT of it went on “things”. Things I didn’t need. So let me tell you, I’ve felt like a fool every month making those payments a few years later, after essentially wasting some of the loan.
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Since paying off my Credit Card debt a few months ago, I’ve been throwing everything I could at this Loan to get it cleared before the end of the year. I’ll be honest, I made a really large payment today, and ideally would have split it over 2 paychecks, but I was so desperate to get this cleared!! The feeling to know that this is gone forever is way better than me splashing out in the Charlotte Tilbury 25% off sale that has been plaguing my dreams the past couple of nights!!!
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I’ve showed you all how I’ve managed to pay down my debts, and I haven’t done anything outside of what I share in My Story or PayDay Routine (both in my highlights). I haven’t had to change my lifestyle too much, I’ve still lived, had holidays etc – the only difference is that my mindset to spending money has changed.
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Believe me, I know how lucky I am to be able to continue to bring in an income to allow me do this. I’m grateful every day.