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

jwil

Good luck with the budget happy, it always seems like there's something to pay out doesn't it!

Hope the return to work went well x

Happytogetdebtfree

Feeling super positive i've managed to take on some extra work that will give me 450 extra every month minimum and if I can do more than that it will net me 550 after taxes etc so that means
1) il have 5200 saved for ivf if needed/ or money for house deposit if I catch naturally.
2) all my outstanding debts will be paid in full sept 2017 earlier depending on extras etc but sept 17 is the maximum
3) after everything is paid off we will have a very healthy surplus of 1200 per month meaning we can consider purchasing new cars by means of a good interest loan that will be overpaid in the time we would have set aside to save for new cars.
4) when all that's done we can split the money on overpaying mortgages and saving for nice trips and more babies


so all in all im feeling fantastic about the world today


xx

jwil

Happytogetdebtfree wrote: »

Feeling super positive i've managed to take on some extra work that will give me 450 extra every month minimum and if I can do more than that it will net me 550 after taxes etc so that means
1) il have 5200 saved for ivf if needed/ or money for house deposit if I catch naturally.
2) all my outstanding debts will be paid in full sept 2017 earlier depending on extras etc but sept 17 is the maximum
3) after everything is paid off we will have a very healthy surplus of 1200 per month meaning we can consider purchasing new cars by means of a good interest loan that will be overpaid in the time we would have set aside to save for new cars.
4) when all that's done we can split the money on overpaying mortgages and saving for nice trips and more babies


so all in all im feeling fantastic about the world today


xx

That all sounds brilliant Happy, you should feel fantastic :T :T

Happytogetdebtfree

Thanks Jwil, im looking forward to seeing them numbers tumble how are you x

jwil

I'm not bad thanks Happy, trying to keep plodding

Happytogetdebtfree

Plodding is good it means the numbers are coming down and that's what matters

Choc-addict

Happytogetdebtfree wrote: »

Feeling super positive i've managed to take on some extra work that will give me 450 extra every month minimum and if I can do more than that it will net me 550 after taxes etc so that means
1) il have 5200 saved for ivf if needed/ or money for house deposit if I catch naturally.
2) all my outstanding debts will be paid in full sept 2017 earlier depending on extras etc but sept 17 is the maximum
3) after everything is paid off we will have a very healthy surplus of 1200 per month meaning we can consider purchasing new cars by means of a good interest loan that will be overpaid in the time we would have set aside to save for new cars.
4) when all that's done we can split the money on overpaying mortgages and saving for nice trips and more babies


so all in all im feeling fantastic about the world today


xx

A fab outlook Happy! You're doing so so well :Txxxx

Happytogetdebtfree

Signature updated and numbers slowly coming down. Extra job going really well so feeling really positive at the moment. We are due to get some money from an inheritance also don't know how much but whatever the amount it will be split between savings/debts/house deposit. No interest in our house as yet and ive stopped looking at houses until we see some movement.. Hope everyone is well and looking forward to xmas xx

Choc-addict

Doing well lovely! Keep going and it'll be gone before you know it

All ok here, busy with work and trying to sort Christmas but i'm not that organised this year. Hey ho, it'll all be sorted...I hope!

Hope everyone is well and looking forward to the Christmas break. I'm just glad to have a week off work....yippee!

Take care x

Happytogetdebtfree

Glad your ok Choc, no time off for me over Xmas sadly the healthcare system doesn't close lol. I'm surprisingly all organised this year everything wrapped just need to send out some cards and gifts :-)
With regards to debts it's just onwards and downwards, that's all it can be i will be glad when it's all gone and my outgoings are none debt related. Xx