Debt Free in 2009 support thread

~evanesco~

Dropping in. We're sub 5k now! DFD is still Dec 09, I've uped the payments by £50. PAD is working very well for us, I've been really disciplined with it. It's all being stored in the savings acc until the end of the month. We bought a wii fit, but used the cashback from the littlewoods payments, so it cost us nothing. I also got £42 refunded back onto the evil Vanquis, from Credit Expert, who have been charging me, dispite me asking them to cancel in October. Hoping it'll be around £4,500 by the end of the month.

mizmir

Hi everyone

Sorry to be off line for a bit - just caught up with everyone's payments. Well done all. Current totals are:

GROUP TARGET FOR 2009: £623736.52
PAID OFF SO FAR: £39187.67

~evanesco~

mizmir wrote: »

Hi everyone

Sorry to be off line for a bit - just caught up with everyone's payments. Well done all. Current totals are:

GROUP TARGET FOR 2009: £623736.52
PAID OFF SO FAR: £39187.67

That's fab, we've paid off 6.28% of our total. Keep up the good work everyone. We need to stick together to keep this going and get the 100% by Xmas!

I've been pondering the idea of paying an extra £75 a month, but it only shaves a month off, so hardly seems worth it.

debtfreein2009

Hi mizmir & guys

I feel like I've let you down and I'm embrassed because we've just booked a hoilday.:o I'm not hanging my head in shame, but I'm a little disappointed in myself. I know we should be concentrating on debt busting but our DFD was approx June/ July. We had planned to book a holiday after our DFD but we've priced the same holiday in Aug and it's an extra £1000! The holiday has put us back, but we should still hit the end of year target. We've had a tough past 18 months (illness and carp) so this family break is very much needed and has always been on the calender for 2009.

My eldest starts school in Sept and this is the last year we can travel in term time. Our debts are all 0%, so rightly or wrongly we're reducing the payments and using the rest of the surplus for the holiday. I've paid my deposit and have nearly the balance sat in a savings account. As soon as the holiday is paid I revert back to paying max off every month.

I'm not justifying us booking the holiday to anyone and I'm sure you understand we've done the right thing for our family. We could have waited until Aug and then go whilst being DF, but paying an extra £1000 for the honour. In a strange way booking the holiday is saving money. DH has 99.9% job security so we know the small set back will not affect our DF dream.

Just wanted to say that I'm still on the challenge, but I won't be updating my total until after the holiday.

Broken_hearted

We should have been debt free by mid 2008 but life got in the way. When you have children you need to spend time doing whats best for them, the bills will wait.

stacy

£24.32 off of the credit card today and yes that was what came off of a £85.95 payment :mad: :mad: oh well keep on plodding on. :rolleyes:

The_Dragon

Oh frabjous day! Calloo Callay! It looks as though Dr Dragon has a new job! He was told by the head of the section yesterday that he had - just need the official in writing bit! 'cos of this I broke out then CC (£46 + change) last night and took Dr Dragon out to the pub for dinner and then I relaxed and the cold/glandular fever relapse kicked in and I am laid up looking like a hamster trying to hibernate :mad: - oh boy am I grateful for a laptop and WiFi!

Pips_Mum

Hello All

Not been around on here much, 5 week old baby Pip keeping me busy!!

£410 off my debts this month please Mizmir.

:jKeep going everyone. :j
Dont worry about slips, we all have them x x

The_Dragon

Just paid £52.18 off the CC - that more than covers the slight slip! and I should hopefully be able to make another payment before the end of the payment time!

utopiah

hi all
Another £240 paid off egg cc today. I am ploughing away at that one as they recently emailed me to say that they were gonna put up interest rate from 16.9 to 21.9.:mad: I have now cancelled the card to keep the rate at 16.9% until paid off. My other card is at 0% but maxed out so can't bt. I'm hoping to clear the egg card by June. Have listed 25 things on ebay today and 6 dvd's 6 books on amazon. Already sold 3 dvd,s so as soon as money comes through this will be paid of egg. Ebay looking good too as have bids on 3 items, fingers crossed.:T