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It will be GONE !!!
Comments
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Well it is only 12 weeks till Christmas!
I have another 4 weeks till pay day
LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
I have just sent the large overpayment to Lloyds kept thinking i should have held a bit back but its gone now, we will make it through somehowMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
12 weeks till Christmas? Ugh! I don't want to do anything this Christmas! 3 weeks until payday for me.
Well done on the large overpayment to Lloyds!!Adam's diary - My Debt Diary - The Challenge | LBM May 2010 with £23,343.35 | £16,141.46 to go...
Cleared: £7,369.16 / 30.85% | Current DFD: Oct2012 from Jan2014 | July repaid: £600/£800
Goals: Aug-11 37% | Nov-11 60% | Feb-11 67% | May-12 76% | Aug-12 86% | Dec-12 debt free0 -
Well done on the payment
Lordy Lord - presents bought and its not even Hallow'een!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 have bought these gifts for several reasons, firstly it breaks up the cost and secondly I am going to send it all back with the inlaws to save on postage to ireland :money:
Money is looking tight 3 weeks to go and £120 in the budget, I do have 3/4 tank of petrol which should see me into next week.
I have used a large packet of mince to cook with this weekend and made lots of meals so I think i should use this more in the next few weeks.
I have never included our o/d but I have managed to knock £300 off it in the last few months so there is a little bit of give if I need it, I have found reducing it every month in my spreadsheet keeps me in check.MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
There is a lot to be said for clearing the o/d and it is something I am considering if nothing else but for an emotional boast of actually having a positive balance for more than one day a month, plus it would give me a a bit of give (as you say) but its not what the snowballs says I should do...........decisions, decisions!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 haven't put the o/d in the snowball but reduce my spend allowance by £50 per month mentally its nice to know i have 200-300 spare for emergencies especially with xmas coming. Hope to have it to £500 spare by xmas.MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Just done a quick check on my finances til end of month - just under a £100 for the shopping for 6 of us. Will be eating more of that fresh air on toast ;-)Proud to be dealing with my debts,light bulb moment: 2/1/2010, reviewed 7/1/20120
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Why is it there is too much month for the money......
I have just counted up DH change pot and he has kindly saved £20 for me to pay off Lloyds im sure he wont notice, as it's mixed I will have to take it to hsbc's great little machine at the weekend.
Just found out in laws wont be arriving until Saturday night and will be gone early monday morning so should be a cheap weekend if weather is good i can take them to national trust Free with my pass.
In my preparations for xmas i picked some sloes whilst out walking this weekend and with a half bottle off vodka we are hoping for some xmas cheer. Spotted some blackberries tonight so going back tomorrow to help out another half bottle i have sitting in the cupboard.MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Good news on another £20 off to horrible Lloyds xLBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000
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