Right, lets do this!

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  • Thanks Meena.

    It will soon come around :)

    I always look forward to payday just so that I can make that next payment on my cards.
    Luckily I get paid weekly so I don't have to wait very long but sometimes I wonder if I got paid monthly if I'd be better at budgeting. Then again probably not. :rotfl:
    07/11/17 £8199.31 Debt :eek:
  • natsplatnat
    natsplatnat Posts: 3,033
    Photogenic First Post Combo Breaker First Anniversary
    Forumite
    Luckily I get paid weekly so I don't have to wait very long but sometimes I wonder if I got paid monthly if I'd be better at budgeting. Then again probably not. :rotfl:


    I was paid weekly until around a year ago - and I still miss it! I found with weekly pay I had to make sure there was money in the account every week and used my lovely spreadsheet to look ahead as having a little surplus one week didn't mean I would have in 3 weeks time! With monthly pay I just watch it diminish over the month!
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
  • A no spend weekend for me. I've also had a sort out and managed to sell a few bits and bobs so I'm able to make an extra payment of £23.00 off my Virgin card. :)

    I should definitely be able to get my first Virgin deal under £300 by the end of the month and hopefully my overall debt under £8000.

    Overall Debt is £8098.32
    Breakdown
    Lloyds £3049.00 0% until May 2019
    Virgin £5049.82
    £347.00 0% until Mar 2018
    £1557.00 0% until Oct 2018
    £857.82 0% until Nov 2018
    £2288.00 0% until Dec 2018
    07/11/17 £8199.31 Debt :eek:
  • I was paid weekly until around a year ago - and I still miss it! I found with weekly pay I had to make sure there was money in the account every week and used my lovely spreadsheet to look ahead as having a little surplus one week didn't mean I would have in 3 weeks time! With monthly pay I just watch it diminish over the month!

    It is good to know that in a weeks time there will be money coming in and a lot of people I speak to always say how they wish they were paid weekly, so maybe I should just be grateful :rotfl:
    07/11/17 £8199.31 Debt :eek:
  • Payday today! :j


    Payments made.
    £10.00 in Emergency Fund Total £40
    £100.00 Virgin - because I wanted to see my overall debt under £8000:rotfl:

    Overall Debt is [STRIKE]£8199.31 [/STRIKE]£7998.32 :j
    Breakdown
    Lloyds [STRIKE]£3080.00 [/STRIKE]£3049.00 0% until May 2019
    Virgin [STRIKE]£5119.31 [/STRIKE]£4949.82
    [STRIKE]£416.49 [/STRIKE]£247.00 0% until Mar 2018
    £1557.00 0% until Oct 2018
    £857.82 0% until Nov 2018
    £2288.00 0% until Dec 2018

    No plans for the weekend so hopefully no spends :D - Maybe a sort out to see if there's anything else to sell.
    I'm hoping to get Virgin under £200 by the end of the month and then can concentrate on clearing it by the end of the year.

    I hope everyone's had a good week!
    07/11/17 £8199.31 Debt :eek:
  • Payday tomorrow. :j

    Nothing to report this week on payments until tomorrow.
    I've had to buy a few bits this week that I hadn't thought about :mad: A birthday present and I've had to pay for an upcoming Christmas Meal but I had money put aside for this.
    Currently banning myself from any websites containing clothes, jewellery, make up, homeware for the next 4 days :rotfl:
    07/11/17 £8199.31 Debt :eek:
  • Payday today!

    Payments made.
    £10.00 in Emergency Fund Total £50
    £50 to Virgin

    Overall Debt is [STRIKE]£8199.31 [/STRIKE]£7948.32
    Breakdown
    Lloyds [STRIKE]£3080.00 [/STRIKE]£3049.00 0% until May 2019
    Virgin [STRIKE]£5119.31 [/STRIKE]£4899.82
    [STRIKE]£416.49 [/STRIKE]£197.00 0% until Mar 2018
    £1557.00 0% until Oct 2018
    £857.82 0% until Nov 2018
    £2288.00 0% until Dec 2018

    I'm hoping to make another payment on Monday but I've got a really busy weekend so I'll have to see about that one. It's getting near silly season where I've got lots of busy weekends but I'm determined to stay on track and keep my spending to a minimum.:)
    07/11/17 £8199.31 Debt :eek:
  • MeenaM
    MeenaM Posts: 320
    Debt-free and Proud!
    Forumite
    It's looking good! you've made some good progress there and well done on adding to your emergency fund too :T
    paid off £27,527.47 debt free journey began Nov 2017 DEBT FREE 13.09.2019!! EF £3500/£5000
  • Thanks MeenaM.

    I spent £10 this weekend which was a lot less than i was expecting.

    I also sold £23 worth of stuff :T So i'll give it until midweek incase something unexpected crops up and then make an overpayment. :j
    07/11/17 £8199.31 Debt :eek:
  • I've just found my notepad from last year and plan of action for getting rid of the debt. I feel like crying my eyes out at how much the debt has increased since then. I would give anything to have that number now. :(

    Feeling so deflated today. :(
    07/11/17 £8199.31 Debt :eek:
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