Skaps's "Will i ever be debt free?" diary

skaps

Thursday things to do:
1) put aside £450 for rings
2) put aside £100 for wedding and holiday insurance
3) shop around for a better car insurance deal
4) check virgin cc bt have been completed - HAS BEEN DONE
5) if i get my overtime this month put £300 towards holiday spending or for car insurance payment
6) buy wedding book and cufflinks £40

skaps

Did not realise but had miscalculated my savings for the wedding spending money - up to £815 (82%). :j £142.72 to cc as well so £695.73/£800 paid off which means i have paid off £1789.80 (49%). :j

Herewego

Well done that is excellent news, I love seeing how far I have come but im nowhere near 49% yet :T

skaps

Thats not for my total debt though thats only for the £3650 that i want paid at the end of the year. My total debt is £11,291 atm. You have done really well though and your debt free date is a whole year before mine.

Herewego

You are still doing amazing and saving for the wedding so you dont get more debt, you seem so focused and that really helps.
Im always dropping by but dont always post I tend to be a bit brain dead at the end of the day
I will be back to keep an eye on you

skaps

Thursday things to do:
1) put aside £450 for rings - buying ring 1 today and ring 2 tomorrow - UPDATE - bought one and the another is reserved so should come in the next few weeks
2) [STRIKE]put aside £100 for wedding and holiday insurance[/STRIKE] - DONE
3) shop around for a better car insurance deal - OH to do this during the week
4) [STRIKE]check virgin cc bt have been completed -[/STRIKE] DONE
5) if i get my overtime this month put £300 towards holiday spending or for car insurance payment - have not been paid for this yet so will have to use holiday spending money and then resave come July
6) [STRIKE]buy wedding book and cufflinks £40[/STRIKE] - DONE

Also add to list
7) phone sky
8) [STRIKE]cancel barclaycard cc[/STRIKE] - DONE

skaps

My debt free date according to my snowball is now jan 2014, it used to be something like 2017 but due to bt it reduced to august 2014 and now its jan 2014. Cant pay any extra atm as am having problems with my boiler so have to wait and see how much this costs, plus have wedding things to still buy.

Herewego

That is fantastic knocking 3 years off, when i do mine it makes me even more determind to pay it off quicker.

Lemon_Tree

congratulations on your promotion. i've not been on so much recently so i missed that fab news. Glad the wedding savings are also going so great. I remember the time when wedding plans featured largely in my thoughts, i miss them

skaps

Thanks Lemon Tree, saw yr signature fingers crossed.

Today I've paid £120 off the debt so I have completed and exceeded the target I had for the 1 debt vs 100. Have now got a new target of £450.