Debt Free in 2009 support thread

mizmir

Seems to be quite a few of us aiming to become debt free in 2009 but we all know how easy it is for things to slip.... so this isn't so much a challenge as a support thread for anyone who is on that final push to debt freedom! We can use to it share successes and slip ups, point out challenges and other threads that have helped us, and generally chivvy each other along.

If you want to join in - post on here with your current debt and your debt free target date in 2009 and we can help each other make it through the highs and lows. I'll kick off the members' list:

1. mizmir: debt to clear £19016.76 ~ DF target Xmas 2009
2. happy chick: debt to clear £2449.68 ~ DF target July 2009
3. dealwithdebtdot: debt to clear £3400 ~ DF target by end 2009
4. Broken hearted: debt to clear £6600 ~ DF target Xmas 2009
5. doodledo: debt to clear £8752.29 ~ DF target Xmas 2009
6. jennyred: debt to clear £18000 ~ DF target end of 2009
7. debtfreein2009: debt to clear £9060.50 ~ DF target end of 2009 (maybe Oct??)
8. The Dragon: debt to clear £2603.53 ~ DF target end of 2009
9. slig: debt to clear £5000 ~ DF target Summer 2009
10. frasersmum123: debt to clear £1389.85 ~ DF target September 2009
11. Purpleroses: debt to clear £4964.72 ~ DF target June 2009
12. looktothefuture: debt to clear £8000 ~ DF target Xmas 2009
13. Dex: debt to clear £3984.27 ~ DF target September 2009
14. blissfullydebtfreewanabee: debt to clear £7000 ~ DF target Xmas 2009
15. notanothergreyhair: debt to clear £14425 ~ DF target end of 2009
16. WorkingHardDFW: debt to clear £24077 ~ DF target Oct 2009
17. Cornball: debt to clear: £3192.41 ~ DF target June 2009
18. SarahNeedle1872: debt to clear £5973.55 ~ DF target Xmas 2009
19. elantan: debt to clear £5000 ~ DF target end of 2009
20. juicygirl: debt to clear £18500 ~ DF target Xmas 2009
21. kyllie: debt to clear £2000 ~ DF target March 1st 2009
22. jakey66: debt to clear £5000 ~ DF target May 2009
23. determinedtodothis: debt to clear £17946.01 ~ DF target end of 2009
24. ElizabethJH: debt to clear £6022.91 ~ DF target September 2009
25. ccqueen: debt to clear £10307.70 ~ DF target 31st July 2009
26. Pips Mum: debt to clear £17500 ~ DF target end of 2009
27. bluestaff: debt to clear £2400 ~ DF target June 2009
28. pink1310: debt to clear £10000 ~ DF target end of 2009
29. ~evanesco~: debt to clear £5546.15 ~ DF target Xmas 2009
30. SiannieLaz: debt to clear £9500 ~ DF target Xmas 2009
31. PrincessPeach: debt to clear £20000 ~ DF target Xmas 2009
32. clearmydebts: debt to clear £21206 ~ DF target end of 2009
33. skint_spice: debt to clear £6240 ~ DF target end of July 2009
34. Sarahx: debt to clear £8750 ~ DF target end of 2009
35. Buffythedebtslayer: debt to clear £18868 ~ DF target end of 2009
36. Rammstein1: debt to clear £1090 ~ DF target end of 2009
37. Litte Miss Uni-Debt: debt to clear £6000 ~ DF target end of July 2009
38. oreo7504: debt to clear £TBC ~ DF target end of 2009
39. spam.jam: debt to clear £2000 ~ DF target 1st December 2009
40. claire5970: debt to clear £10000 ~ DF target July 2009
41. Raychee: debt to clear £4000 ~ DF target October 2009
42. louby_lou: debt to clear £9331.29 ~ DF target October 2009
43. cady: debt to clear £10856.70 ~ DF target end of August 2009
44. Fire Fox: debt to clear £2500 ~ DF target June 2009
45. goinggoinggone: debt to clear £8027 ~ DF target Xmas 2009
46. jmf76: debt to clear £5000 ~ DF target end of 2009
47. sheepchick: debt to clear £15089 ~ DF target end of 2009
48. csarina: debt to clear £7000 ~ DF target end of 2009
49. stacy: debt to clear £22795.99 ~ DF target end of 2009
50. craigp: debt to clear £7740 ~ DF target August 2009
51. *Mari*: debt to clear £3000 ~ DF target August 2009
52. Skint_Catt: debt to clear £805 ~ DF target 19th May 2009
53. Ladywolf: debt to clear £700 ~ DF target July 2009
54. cheekymonkey20: debt to clear £16983.70 ~ DF target November 2009
55. Karma67: debt to clear £5700 ~ DF target end of 2009
56. betti911: debt to clear £3844.27 ~ DF target June 2009
57. clearing_out_my_pockets: debt to clear £3300 ~ DF target 28th May 2009 COMP OH:
    
58. millyscarlett: debt to clear £5632.91 ~ DF target Xmas 2009
59. smithywilko: debt to clear £17447.52 ~ DF target June 2009
60. Katey1980: debt to clear £5550.57 ~ DF target Xmas 2009
61. Debt Free Dreamer: debt to clear £8000 ~ DF target Xmas 2009
62. Head-Out-Of-Sand: debt to clear £9100 ~ DF target end of 2009
63. BB_bunny: debt to clear £3534 ~ DF target end of 2009
64. abby1234519: debt to clear £7000 ~ DF target Xmas 2009
65. The real me: debt to clear £12000 ~ DF target end of 2009
66. Diana Prince: debt to clear £4200 ~ DF target Xmas 2009
67. utopiah: debt to clear £3405.90 ~ DF target end of 2009
68. xsarahahax: debt to clear £3500 ~ DF target end of 2009
69. macgirl: debt to clear £16000 ~ DF target end of 2009
70. sinnoc00: debt to clear £3493.94 ~ DF target end of April 2009
71. John K: debt to clear £8600 ~ DF target end of 2009
72. penniesgrowintoounds: debt to clear £3076.26 ~ DF target Xmas 2009
73. pepper1983: debt to clear £9000 ~ DF target Xmas 2009
74. kirstenc: debt to clear £14350 ~ DF target end of 2009
75. lilian1977: debt to clear £1666 ~ DF target end of 2009
76. c.o.m.p oh: debt to clear £9744 ~ DF target end of 2009
77. saver03: debt to clear £4000 ~ DF target 27.9.09
78. momofone: debt to clear £3211 ~ DF target 1.06.09
79. Jess444: debt to clear £3,975.50 ~ DF target end of 2009
80. Dizzybee: debt to clear £7,000 ~ DF target end of 2009
81. Josephine82: debt to clear £956.38 ~ DF target end of 2009
82. Keza: debt to clear £10,641 ~ DF target end of 2009

GROUP TARGET FOR 2009: £653,670.40
PAID OFF SO FAR: £87287.48

happy_chick_3

Hi Mizmir

Count me in! I'm aiming to be debt free in 2009 too! I'm currently saving £300 a month and my debt free date is July 2009. Once I get there, I will start saving for a flight to syndeny - i'm planning to go and work there for a year or two and need the debt to be gone so I can go.

so:

Debt now - £2,449.68
Debt free Date - July 2009

Lets all keep each other going :T

dealwithdebtdot

How lovely, I am in. It seems a really tall order to me right now, but i am gonna give it a real go!

Debts: 3,400 ish on a CC, I have applied to have a loan to cover this, to try and reduce the interest repayments. But I really want to overpay, I have been OPing on my Credit card but the intrest rate is crippling. I was refused a 0% CC:mad:.
One major stumbling block is going to be my daughters orthadontal treatment.

But I really want to do it.

I have signed up pigsback (still trying to understand everything I can do there). Joined some survey sites, and entering comps.

I am doing the NSD, and the sealed pot challenge.

In the new year, I am going to join the monthly grocery challenge too. I am in awe of the live on 4K challenge, feel unable to do that at the moment. Mainly because of my daughters dental work. We are going for the consultation today.

On the plus I am nearly all done with Christmas shopping, and have really cut back in comparison to last year, when I didn't have a handle on my finance at all.

So here's to debt free in 2009!:o

Thanks for starting the thread!

Broken_hearted

Count me in I've let these debts drag on long enough. £6,600 by christmas next year, just over £500 a month. Wish me luck.

mizmir

Fab - welcome aboard everyone. Just think of all those DF parties we will have next year! :T

doodledo_2

Hi I will join in if you will have me

Not sure of my totals as still sorting things out since my split but I am pretty sure my bit will be doable by Xmas 09

jennyred

hi Mizmir

count me in. have joined the pay 20k by xmas 09 thread but I have debt of £18k so am hoping to clear all of that. i worked it out to about £1150 per month. my debt repayments at the moment are £600 per month so I have to find roughly £500 per month extra to do it. have never done a budget before but have sat down and worked one out starting next year. I am embarrassed to say that I have a fair bit of surplus wages each month (approx £1000 AFTER all payments including loan repayments) looking back through my statements I cant believe where it has all gone!!
so next year I will be sticking to my budget, keeping up with working lots of overtime and throwing EVERYTHING spare at my debts. OH is fully on board to clear his debts too so we can buy a house in 2010 completely debt free!!!!!

i am so excited!!!

good luck everyone

jenny

debtfreein2009

Hi again Mizmir

Great idea creating a new thread as it's great having a thread were we've all got a common goal. I think I might abandon my new diary and post on here instead, if that's okay.

My debt at my LMB 30-11-08 was £9283-63 and is currently £9060-50. I've paid 2% off already yipeee! I'm aiming for 31-12-09 as my DFD, but would be delighted if I could do it my DH b'day on the 29-10-09 - This date also would tie in better with my 0% deal on my credit cards!

Looking forward to seeing the total's decrease and sharing some advice and tips. Am sure we can all do it and 2009 will be our year. Good Luck to everyone!

mizmir

Welcome again! Great to have you on board. dfin2009 - feel free to post here as much as you like - hope it will become like home for us - and that we'll be able to have regular parties to celebrate! (And a MASSIVE one at the end by the looks of it!). Don't ditch your own diary too quickly though - you may find that you want to post there too. (where is it by the way - will drop by later)

The_Dragon

Count me in! I would like to clear my CC so £2,500 by end of 2009

mizmir

yeah - welcome Dragon!