My Debt Diary

Molanole

Woo Hoo! Way to go Jamesy!! :T :T :T

Not long before you'll be under that £5K mark!!

James240

Molanole wrote: »

Woo Hoo! Way to go Jamesy!! :T :T :T

Not long before you'll be under that £5K mark!!

i hope so :j although doing me workings out if you take what i owe which is £8077 and subtract current matched betting winnings of £1828 i owe £6249. If i divide that total by how many months are left this year which is 8 months left i need to pay off £781.12 a month and im not getting that close to it at the moment so its a bit touch and go whether i can be debt free at the end of the year or nor

kipper_2-2

James240 wrote:

changing the subject slightly:

my monthly payment has come out for my loan and when i post off my £100 over payment ill be under £8,000 of debt:j :j

James240 wrote:

so its a bit touch and go whether i can be debt free at the end of the year or not

no defeatism on here please young man!!!


or I'll make ya hoover

James240

im not being defeatist but its getting harder at the moment to be debt free by the end of the year

PeachPickle

James240 wrote: »

i hope so :j although doing me workings out if you take what i owe which is £8077 and subtract current matched betting winnings of £1828 i owe £6249. If i divide that total by how many months are left this year which is 8 months left i need to pay off £781.12 a month and im not getting that close to it at the moment so its a bit touch and go whether i can be debt free at the end of the year or nor

Why 8 months? There are 9 paydays between now and dec 31st! So £6249/9 = £694.33. Is that any better for you

James240

PeachPickle wrote: »

Why 8 months? There are 9 paydays between now and dec 31st! So £6249/9 = £694.33. Is that any better for you

i still reckon im possibly going to be short but will have a look when i get home and od me figures again

Verbatim

James

Well done on the sub £8k / £6250!!


Looks like it's more of the same MB then to bring your dfd closer. I'm sure if anyone can get there by Dec 31st you can.

James240

thanks Verbatim, im just waiting on a few bits and pieces at the moment and then ill be able to boost my total a bit more, just feeling the strain a little at the moment cos im almost on the home run so to speak

kipper_2-2

James240 wrote:

im not being defeatist but its getting harder at the moment to be debt free by the end of the year

One step at a time


take it month by month, not 8 months at a time!


you have an end date which IS achievable, yes it seems a long way off but its a damn sight nearer than it was this time last year and ya have even bought the DFD date back from April 08 to Dec 07 this year


just remember how well you have done, how far you have come and keep at it, thats the thing ya gotta focus on, not all the !!!!!! and minor hiccups that will get in the way... and they would probably happen whether you was in debt or pretty flush... overdrafts, fixing cars, unexpected outlays will happen to someone everyday, not just you!




and for that you can dust and get me a drink

Verbatim

Well how are you today James? Did the figures look any different last night?

I know you wanted to get £2k ish (?) in MB profits to pay off everything this year, after your regular payments were taken into account, so has something changed or was your budget just a bit ambitious?

Any news about the interview date yet?