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  • FIRST POST
    • blue_eyed_girl123
    • By blue_eyed_girl123 19th Apr 17, 1:08 PM
    • 29Posts
    • 48Thanks
    blue_eyed_girl123
    Debt Free by December 2017
    • #1
    • 19th Apr 17, 1:08 PM
    Debt Free by December 2017 19th Apr 17 at 1:08 PM
    I have been lurking on here for a while and decided to start my own debt free diary! We had to buy a new car last year and along with various other circumstances (broken boiler, sick cat, bathroom with tiles falling off and broken shower), we are currently repaying our debt.

    The amount stands at £6750.02 and I would like this paid off by December 2017 as we will be saving for a wedding from January 2018 (it is taking all the willpower I have to not start buying wedding things!)

    Have seen that lots of people on here are really supportive so would appreciate it as I work towards a DFD.

    Current debt:
    £4100 to parents - interest free
    £2650.02 credit card - interest free
Page 1
    • Bobarella
    • By Bobarella 20th Apr 17, 8:14 AM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    • #2
    • 20th Apr 17, 8:14 AM
    • #2
    • 20th Apr 17, 8:14 AM
    Good luck with your debt repayments!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • enthusiasticsaver
    • By enthusiasticsaver 20th Apr 17, 8:36 AM
    • 3,554 Posts
    • 6,210 Thanks
    enthusiasticsaver
    • #3
    • 20th Apr 17, 8:36 AM
    • #3
    • 20th Apr 17, 8:36 AM
    Good luck with the debt repayments. I would also save an emergency fund as all those things you mention could happen again at any time and a savings fund which you can use in the future will help you keep out of debt. How much are you repaying each month? At least it is all interest free.
    Debt and mortgage free and saving for early retirement
    • blue_eyed_girl123
    • By blue_eyed_girl123 22nd Apr 17, 10:17 AM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    • #4
    • 22nd Apr 17, 10:17 AM
    • #4
    • 22nd Apr 17, 10:17 AM
    Thank you, currently paying £300 per month back to parents and £110 to the Barclaycard. I'm hoping to increase this in August as I'm about to take 10 weeks of half pay because I do a part time MA as well as a full time job and not sure exactly how much I will be bringing in. Going away a week on Wednesday but All Inclusive hotel so will hopefully keep other spends down .
    • blue_eyed_girl123
    • By blue_eyed_girl123 22nd Apr 17, 10:20 AM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    • #5
    • 22nd Apr 17, 10:20 AM
    • #5
    • 22nd Apr 17, 10:20 AM
    Also payment went out on the Barclaycard yesterday so debt stands at £6640.02, and money to parents goes out next week. Excited to be under £6k .
    • blue_eyed_girl123
    • By blue_eyed_girl123 22nd Apr 17, 10:54 AM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    • #6
    • 22nd Apr 17, 10:54 AM
    • #6
    • 22nd Apr 17, 10:54 AM
    Under £6k soon, won't let me edit...
    • blue_eyed_girl123
    • By blue_eyed_girl123 23rd Apr 17, 3:35 PM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    • #7
    • 23rd Apr 17, 3:35 PM
    • #7
    • 23rd Apr 17, 3:35 PM
    Spent £50.41 on groceries/household things today although hoping this will see us through as much as possible until we go on holiday on the 2nd May . H2B's birthday tomorrow but activities have been given as a gift and staying in for tea .
    • DaringToDream
    • By DaringToDream 24th Apr 17, 7:08 AM
    • 91 Posts
    • 224 Thanks
    DaringToDream
    • #8
    • 24th Apr 17, 7:08 AM
    • #8
    • 24th Apr 17, 7:08 AM
    Hope you and HTB have a great time for his birthday. Sounds like you have a great plan for paying off your debt and have found a good balance between work and study and life which is definitely something I can learn from! Jealous of your holiday, once the debt is gone that's the very first thing I'm saving for!!
    • blue_eyed_girl123
    • By blue_eyed_girl123 24th Apr 17, 7:58 AM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    • #9
    • 24th Apr 17, 7:58 AM
    • #9
    • 24th Apr 17, 7:58 AM
    Thank you, we were debating about a holiday, but getting away helps us to recharge and it's nice to have hot weather for a week . The holiday was £650 all inclusive for both of us at a really nice hotel so although not being used to pay off debt, not as expensive as it could have been .
    • Bobarella
    • By Bobarella 24th Apr 17, 10:48 PM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    Under £6k soon, won't let me edit...
    Originally posted by blue_eyed_girl123
    Congratulations
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • blue_eyed_girl123
    • By blue_eyed_girl123 28th Apr 17, 11:14 AM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    Thank you Bob .

    Money to parents went out yesterday so debt currently at £6340.02, might pay the £40.02 off the credit card at some point to make it a straight £6300! Although will wait until after holiday to see if we have leftover pennies .

    H2B away for the weekend so a long weekend of essay writing ahead. Excited to submit on Tuesday.

    Planning to live from food I already have in the house so we will see how that goes , might be some interesting meal combinations...
    • DaringToDream
    • By DaringToDream 28th Apr 17, 1:07 PM
    • 91 Posts
    • 224 Thanks
    DaringToDream
    It's all about the crazy meal combinations- I had loads of family over for easter and ended up with so much leftover food that needed using up. My colleagues thought i was bonkers with some of the random work lunches i was eating (leftover quiche, cold sausages and a roast potato was probably the highlight-but it tasted really good and cost nothing!!).
    • blue_eyed_girl123
    • By blue_eyed_girl123 28th Apr 17, 9:31 PM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    Haha, working with children I've eaten random leftovers like that before from having Christmas parties etc. At least it didn't go to waste. Tonight was batch cooked chilli and the rest is to freeze. Might buy a couple of potatoes tomorrow and have a jacket potato and a friend who lives nearby has invited me round for tea on Sunday .
    • Poor_Single_lady
    • By Poor_Single_lady 29th Apr 17, 9:24 AM
    • 840 Posts
    • 2,979 Thanks
    Poor_Single_lady
    I have found dealing with round numbers much easier to process than leaving things at odd penny's.

    And weirdly round figures feel more "real" to me. We are all different and I don't think there is any logical reason for this but it has helped me massively.

    I am trying very hard to eat what is in my freezer too so will be joining you on strange meals like chicken nuggets and Yorkshire puddings.Not one for the Facebook page!

    Keep going. You are doing well. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • LadyP01
    • By LadyP01 29th Apr 17, 2:33 PM
    • 33 Posts
    • 74 Thanks
    LadyP01
    Congrats its only 7 months till ur dfd and then you can plan your wedding. Great news on getting under 6k
    • blue_eyed_girl123
    • By blue_eyed_girl123 29th Apr 17, 5:53 PM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    Went to @sd@ and a slightly spendier day than expected, spent £20.64 because I decided to make a cheesecake to take with me. A Nigella recipe so not very MSE but lovely friends so I'm not too fussed. Hoping for NSD tomorrow, Monday and Tuesday. All I might need is some milk.

    In other news, I spent today working on my assignment, mowing the lawn and then making the cheesecake. H2B is enjoying himself on his weekend away. Although I miss H2B it's nice to be able to work on my assignment without worrying I'm ignoring him .
    • blue_eyed_girl123
    • By blue_eyed_girl123 30th Apr 17, 11:15 PM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    Spent £15 on petrol today and got another few hours work done on my assignment, currently somewhere at the 40+ pages mark! Will have a big push on it tomorrow to hopefully get it close to finished before H2B gets home . Excited to see him although I think he will be shattered after three nights on the town
    • blue_eyed_girl123
    • By blue_eyed_girl123 12th May 17, 6:00 PM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    Back again after holiday . Was a wonderfully relaxing week away . Also assignment submitted to deadline so just waiting on the results now.

    Debt remains the same, currently have £549.79 to our name and bought most of the food to get us through until Tuesday which is payday. Not sure how much I will get paid as I'm doing half the month full pay and half the month on half pay so will double check on Monday. Keeping a bit in the kitty with going to half pay for 10 weeks just in case we need a bit extra to tide us over.

    Full steam ahead from Monday, for now, enjoying my last three days of annual leave .
    • blue_eyed_girl123
    • By blue_eyed_girl123 22nd May 17, 8:44 PM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    Been a slightly manic 9 days! Just about keeping my head above the water and everything on track. Barclaycard payment goes out tomorrow and payment to parents on Saturday so I can update totals next week.

    Went to @sd@ today and spent £44 on groceries etc for H2B and I. Includes lunches and a 40 pouch box of cat food , so quite pleased with that. Would like to get it lower but I'm trying to balance life and study and everything else...

    Will read some other diaries for inspiration
    • blue_eyed_girl123
    • By blue_eyed_girl123 28th May 17, 8:59 PM
    • 29 Posts
    • 48 Thanks
    blue_eyed_girl123
    Current debt stands at £5940.02! So glad to be under £6k, and almost £1000 gone since I started posting. Feels lots better when I put it like that . Currently have £600 in saving although at least half of that will be going on car insurance in September. Trying to plan ahead and be proactive.

    Spent £33.79 for a weeks shop today so pleased with that, as it includes lunches although realised we are out of bin bags so will have to go via a shop at some point tomorrow.

    Wedding venue viewing tomorrow (we have already been to lots and lots and still need to find one we like and won't charge £16k )

    This week will involve mostly studying so I will need to get my head down and focus on that but sure I can mix in some treats as well .
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