Tales from the city

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  • fuzzyduck22
    fuzzyduck22 Posts: 218 Forumite
    Congrats on getting under the £14k mark, you are doing so well. I am finding this month a bit frustrating as, although I want to see the numbers go down, I also have to be realistic in that it is a spendy time of year and I will be best not overpaying too much until after the festivities.

    Annoying not seeing the numbers go down so much for a few weeks BUT I do love Christmas and I'll be more miserable if I have no money to enjoy it (I know the best things are free etc etc but cocktails aren't).

    Have a great week x
    £15900 loan (including interest) over 3.5 years to pay off...can I do it sooner???
    £940/£15900

    Weight loss 0/28 lbs
  • ani*fan
    ani*fan Posts: 1,554 Forumite
    Combo Breaker First Post
    I just balance transferred £264.20 from CC1 to CC2. CC1 is still interest bearing and C2 is 0% on balance transfers until October next year. The total debt has not reduced but the target CC1 now has a balance of £1932.48. Less interest to pay is always good. :)

    fuzzyduck...I know how frustrating it is, waiting for payday, wanting to make overpayments NOW. I'm exactly the same. My new strategy is to spread things out over the month, to keep the momentum going rather than pay everything I can in one big lump sum. So far its working and helps to keep my eye on the ball. ;) And what's Christmas without a cocktail or two? I mean, really. :D
    If you know you have enough, you're rich. ;)
  • Skinnylatte
    Skinnylatte Posts: 1,243 Forumite
    First Anniversary First Post Debt-free and Proud! Home Insurance Hacker!
    Too right, you need a life as well :beer:
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]     £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]     £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015
  • ani*fan
    ani*fan Posts: 1,554 Forumite
    Combo Breaker First Post
    Skinnylatte wrote: »
    Too right, you need a life as well :beer:

    Absolutely so! :D

    I had the shocking news yesterday that after my training ends there will be no job for me at my current place. This is not great. I'm not entirely sure if I want to work there or not but still, it would have been nice to have the choice.

    So, the debt HAS to be gone by September 2017. Ideally it will be gone before then so that I can build up a big emergency fund in case I find myself out of work for a bit or on a lower wage as I build up private work. Either way, the pressure is now on to get this sorted out pronto.

    I'm away to detail my plan and post it up here.
    If you know you have enough, you're rich. ;)
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    Oh no, that's not good. At least you've got plenty of notice, so can make plans. Looking forward to seeing them (I love a good plan ;)).
  • ani*fan
    ani*fan Posts: 1,554 Forumite
    Combo Breaker First Post
    I just made an OP of £30 to the target card.

    CC1 total now £1902.48 :j:j

    Signature updated. :D

    hiddenshadow...yes I'm grateful for having plenty of notice, thank goodness for that. :)
    If you know you have enough, you're rich. ;)
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    Yay, so close to the £1,900 mark on that card. :)
  • ani*fan
    ani*fan Posts: 1,554 Forumite
    Combo Breaker First Post
    Just made a £250 OP to the target credit card. :j

    The balance now stand at £1652.48. :j

    hiddenshadow...I love those important moments too, like when the debt went under £14k, I can't wait til it goes under £13k.

    The next milestone is to get this CC down to 3 figures instead of 4. :D
    If you know you have enough, you're rich. ;)
  • ani*fan
    ani*fan Posts: 1,554 Forumite
    Combo Breaker First Post
    edited 2 December 2015 at 6:44AM
    The £25 regular payment to one of the cards appeared on the CC account yesterday.

    Just updated my signature, another £25 of debt gone forever. :j
    If you know you have enough, you're rich. ;)
  • misstara
    misstara Posts: 3,879 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Your signature is looking fab ani. Sorry to hear about your job but as hiddenshadow says at least you have lots of notice. Hope you have a good day :)
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
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