I had a bit of a panic attack on Friday... it was payday but the BACS (Bankers Automated Clearance Services) payroll system was working very slowly... nationwide. 300,000 people had their pay withheld due to the lag; I was one such person... so was everybody else in my office for that matter.
Nevertheless when I checked my bank account today, I had indeed been paid... and all my transfers were in place. The exciting thing is that in less than one month, I will be debt-free. Five years ago, when I was still stuck in the relationship that had taken me along this path... I don't think I could have imagined that it would take me under a year to shake off all my liabilities.
I've worked hard... and God has been kind. My dad was talking to me about it tonight and I get the impression he's really proud of how I've done this... of the sacrifices I have made along the way. I can see the finish line of this journey it is not far away at all. I'm probably going to treat myself in a month or so, as a pat on the back for finishing one hard journey... before beginning the next one. No longer the road back, this time it is the road forward... a much more daunting prospect.
So this by the grace of God, is how the books are balanced at present:
Balance left on debt: £287.03
Cash in short term savings reserves: £0
Cash left in current account that I hope to spare for debt repayment £0
Estimated balance for next Debtwatch report: £0.00
Original Finish Date for completion of Payments - October 2007
Estimated Completion of Payments - MAYDAY!
Now don't all those 0's look really nice?
Nevertheless when I checked my bank account today, I had indeed been paid... and all my transfers were in place. The exciting thing is that in less than one month, I will be debt-free. Five years ago, when I was still stuck in the relationship that had taken me along this path... I don't think I could have imagined that it would take me under a year to shake off all my liabilities.
I've worked hard... and God has been kind. My dad was talking to me about it tonight and I get the impression he's really proud of how I've done this... of the sacrifices I have made along the way. I can see the finish line of this journey it is not far away at all. I'm probably going to treat myself in a month or so, as a pat on the back for finishing one hard journey... before beginning the next one. No longer the road back, this time it is the road forward... a much more daunting prospect.
So this by the grace of God, is how the books are balanced at present:
Balance left on debt: £287.03
Cash in short term savings reserves: £0
Cash left in current account that I hope to spare for debt repayment £0
Estimated balance for next Debtwatch report: £0.00
Original Finish Date for completion of Payments - October 2007
Estimated Completion of Payments - MAYDAY!
Now don't all those 0's look really nice?
Congratulations Nick, that's some achievement. Hope you do treat yourself to something nice.Well done
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