Fresh tax year fresh diary ( i cant locate my other one) :D

Happytogetdebtfree

Not long till november, the spreadsheet has been updated and prepared and im looking forward to clearning some more numbers down and paying off our final loan, that means the rest is all pesky credit cards and the secured loan but im not going to over think that one hehe xx

Happytogetdebtfree

OOO hh the spreadsheet looks pretty i think it will be before the end of the week when i clear our last unsecured loan so im looking forward to that been added to my paid off amount . Its lovely to see them numbers tumbling and it only makes me aware of how good i will be at saving... oooh im excited x

Happytogetdebtfree

Well its t minus 1 day to haloween and 2 days till november when lots of payments go out and i can update my numbers yippeee ah i cant wait till im singing tunes for saving money lol

Happytogetdebtfree

Yippee another has been paid bringing my number to £9202.80/48262.44, meaning the outstanding balance is £39059.64. So my total paid off since lbm is £38181.35 , roll on more payments to come out happy halloween everybody xx

Happytogetdebtfree

:j:j:j IVE PAID MY FINAL UNSECURED LOAN ITS ALL THE CREDIT CARDS AND THE SECURED LOAN LEFT:j:j:j So the new number stands at £9807.48/48262.44 meaning the outstanding balance is £38454.96 and ive paid a whopping £38786.03 since my lbm :T:T

OrangeFairy

Well done Happy! You should be ever so proud of how well you have done xx

Happytogetdebtfree

Thank you orangefairy, it feels good. Onwards and downwards it must go. How is your journey x

OrangeFairy

It's going pretty well. I changed from a part time to full time job in August which means a nice chunk of extra money a month. It has allowed us to get up to date with things after hubby dropped to 3 days a week for 2 months earlier in the year. Now these next couple of months will be small overpayments but the ability to pay for Xmas properly and not needing cards/next/very! Then from my Dec pay cheque onward we will be debt busting crazy and I can't wait to start making a proper dent in it! :j

Happytogetdebtfree

Thats fantastic orange fairy, i have actually read your thread its inspiring and keeps me motivated minimum payment for a card gone out after intrest i pay a little 1.51 off lol its crazy haha so new numbers are as follows £9808.99/ £48262.44 meaning the outstanding balance is £38453.45 and that means since my lbm in 2008 ive paid off £38787.54.

Keeps me really motivated some people might look at the number and quiver or head for the hills but alas that number to me is like a breath of fresh air against my starting number and it makes me feel anything is possible yippeee xx

Choc-addict

Totally with you there happy. I think loads of my friends would be in shock having 20k of debt as I am in now but compared to how I was struggling when it was 64k and where i'm at now, 20k is nothing.....I am releived it's at this level....next stop 15k!! Whoop whoop!

Choc xx