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The ultimate incentive to get debt free, can I do it by New Years?

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  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Woohooo, money through from ebay so that's another £327 off CC1, plus ISA got £5 interest today so under 5k now! *Does a little dance*
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Fantastic! Can't believe how much you are ploughing through this. Well done :j
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Cinny91
    Cinny91 Posts: 6,022 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud!
    Dinah93 wrote: »
    Woohooo, money through from ebay so that's another £327 off CC1, plus ISA got £5 interest today so under 5k now! *Does a little dance*

    :dance:

    Good going missy! (although not missy as I'm younger and don't want to be branded a granny again! :D )
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    You know what shocked me more than anything, the £5 interest. I've never gotten that kind of interest in a month, for doing nothing! I like this savings lark. :T
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Cinny91
    Cinny91 Posts: 6,022 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud!
    Haha, £5 is good!
    That's what's pushing me to get a savings account. I'm thinking a weekly set up of £10 a week then put whatever else I can spare by the end of the month in it?
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    I think that's a good idea Cinny, if I take the money out at the start of the month I do not notice it, but if I wait until the end to see what is left somehow it's all gone!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Well OH is on his way over, so I'm all excited and nervous. Have done no work today really as I don't have much and I'm too nervous anyway! Passed the 20 5 star ratings on RiSi so I've requested another 30 swaps (have a huuuge wishlist!). Going to try to do a couple of Dooyoo reviews this afternoon, I spent ages doing a onepoll survey this morning only to get to the end and it to tell me it had closed!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Happy weekend all, hope you're having a nice time. OH arrived nice and safe, its amazing having him here, just feels so much better than not having him here! Spent today making a quiche and a chocolate cheesecake for the house-warming tonight. Quiche is looking good, cheesecake is looking somewhat gooey, hopefully in a good way not in a 'here is brown yogurt on crushed biscuits' way.

    Had a cheque for £149 from the council sat waiting for me when I got home last night, I'm assuming its from overpayment on the council tax on the last house, rather than anything work related as that usually goes straight into the bank. So yey that's another chunk of cash I wasn't expecting to pay off the ISA for CC2. Also got my credit card statements through from both CC1 and CC3 so can look at those this week see what I can claim back.

    OH just came out the shower so I better go, oh and he's waving to you all, smile at the wet naked Irishman!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Purpleroses
    Purpleroses Posts: 4,125 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    :wave:

    waves at the wet irishman lol
  • Lil2002
    Lil2002 Posts: 296 Forumite
    Just wanted to say, I love this diary. Dinah, you amaze me, you are so motivated!

    Now can we have pictures of the wet, naked Irishman, pretty please? :T:T:T
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