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£77,366.35 reasons to be debt free!
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Did I hear spreadsheet - love a good spreadsheet and love filling them in and analysing them - just would love to fill the same one in twice!!!!!!!LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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I don't even know how to use a spreadsheet...but sounds good.
Post anytime on my diary the more the merrier...lol0 -
If anyone wants a copy of the spreadsheet inbox me your email and I'll send it over.
Nelmer - I didn't get your email about the formula - would you send it again?
Financially nothing has changed, not paid until tomorrow, thought it was today but not but still have got money in bank and pot :j Spent £2.90 in Tescos on a lunch crisis. £15 on a present. Think we still have £23 left from weekly budget which started on Saturday so all good
1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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I can't get to my emails until I get home so I will sent it this evening.
Good work on the budget!Natwest Card 27.06.10 (reduce every month) £267.63
Gave up smoking 16th July 2007 :T0 -
Hi i am not spread sheety more listy lol.xxx0
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:rotfl::rotfl::rotfl:BEAT_THE_DEBT wrote: »Hi i am not spread sheety more listy lol.xxx
Had to read that out loud to understand.LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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glad you are still on trackAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
In_my_dreams wrote: »If anyone wants a copy of the spreadsheet inbox me your email and I'll send it over.
Nelmer - I didn't get your email about the formula - would you send it again?
Financially nothing has changed, not paid until tomorrow, thought it was today but not but still have got money in bank and pot :j Spent £2.90 in Tescos on a lunch crisis. £15 on a present. Think we still have £23 left from weekly budget which started on Saturday so all good
What have we started for you, IMD?! :rotfl:Please call me 'Pickle'
No More Buying Books: ???
No More Buying DVDs: ???
NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
Proud to be dealing with her debts 1198~
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I know I will email it to everyone who has asked from work tomorrow.
IAP - did you get it? Do you want the amended one that Nelmer fixed?
Ebay is going bonkers, sold loads of things on buy it now and made about £60 already today which will offset against the cost of buying them but should make a profit Have a £130 shortfall this month (including trainers - yes I am buying them :j:j) so should make up the shortfall.
We are being very sensible about our spending, £25 still in pot. We are carrying it over to next week, planned a nice day out with the kids and there should still be funds available. OH seems to have come round to the fact that we can save money and do things if we budget. He is currently writing the shopping list for next week and is going to go and get it tomorrow night (where's that fainting picture.................)1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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YYYYYYYYYYYAAAAAAAAAAAAAYYYYYYYYYYYYY
HHHHHHHHHHHHEEEEEEEEEEEEEEEEEEEYYYYYYYYYYYYY
Happy Feet!LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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