The big challenge - pay off £20k by Christmas 2010

se999

Not sure what's happening with bingo & scratchies, but now £25 from my bingo & scratchies a/c to savings

Total was £1484.50, now £1509.50

chops22

I am so excited...get paid tomorrow and can not wait to pay some cards then update my percentage. Ha I actually can't beleive how excited I am!! (I sound so boring but its true!!)

Earthstrong

Chops, I feel the same level of excitement. When I came home today there was 2 credit card bills waiting, I was so pleased because it meant I could pay some of the debt off.
Thankfully, gone are the days when I felt the total opposite reaction.
On that note £300 to MBNA, will pay Santander tomorrow.

chops22

Ha I am glad I am not the only one to get excited at the arrival of the bills..

I am also addicted to my spreadsheet and this site and no longer have time for tv and facebook!

InaPickle

chops22 wrote: »

Ha I am glad I am not the only one to get excited at the arrival of the bills..

I am also addicted to my spreadsheet and this site and no longer have time for tv and facebook!

Just out of interest, Chops, what do you use the spreadsheets for? I hear lots of people talking about them and I'm not sure if I would find them useful or not. Thanks!

pippo

Can I join in please?
Going for the £20k too - I really need to do it. I've got approx £9 on evil egg card so am attaching that first in the hope of using the 0% in August.
Purse is closed now for Christmas .... except I'd really love something new to wear .. cheap and cheerful though!
I've made a start with £250.36 and will keep going!

Pip
x
Scuttles off to do scratchies and any surveys that have popped into in box - every little does help!

chops22

InaPickle wrote: »

Just out of interest, Chops, what do you use the spreadsheets for? I hear lots of people talking about them and I'm not sure if I would find them useful or not. Thanks!

Hi Pickle.:j

I have a basic spreadsheet with my out goings and income on.

So each month I put in our actual wages, and alter any variable bills (i.e. petrol card, minimum credit card payments)

So it automatically adds up how much money is actually ours to live off and overpay bills. (then divide this money into food, kids activity, entertainment, overpayments)

I also have a column next to each bill/direct debit that I tick when the bill is paid so I can keep a track on my account.

I find it motivating and have my highest interest credit card highlighted in a garish red...so I know where I am focusing my efforts first.

chops22

Our loan payment came out today..so thats another £200.17 (so 1.64% paid now).

mel19632

£90 today to Abbey CC. 3.69% down!

InaPickle

chops22 wrote: »

Hi Pickle.:j

I have a basic spreadsheet with my out goings and income on.

So each month I put in our actual wages, and alter any variable bills (i.e. petrol card, minimum credit card payments)

So it automatically adds up how much money is actually ours to live off and overpay bills. (then divide this money into food, kids activity, entertainment, overpayments)

I also have a column next to each bill/direct debit that I tick when the bill is paid so I can keep a track on my account.

I find it motivating and have my highest interest credit card highlighted in a garish red...so I know where I am focusing my efforts first.

*Sighs* Ahh...I HAVE to get me one of those! :rolleyes: