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It will be GONE !!!

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Comments

  • Herewego
    Herewego Posts: 2,541 Forumite
    Merry Christmas to you all hope you had an enjoyable day.
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Was Santa good to you HWG?
    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!
  • Herewego
    Herewego Posts: 2,541 Forumite
    Afternoon all,
    Just got the house back to ourselves so now i need to start the big clean.
    Santa was very good to me although I gave DH a list of 3 things I would like for xmas and I got 3 things I didnt need or want I have already broken it to him the jacket he bought was not for me so I have exchanged it :D I now have a practical jacket just what i needed.
    I now need to return the £50 gift set which i dont need as I still have last years one :rotfl:
    I am going to update money later today as I have been to the sales so DS could get some essentials coat and shoes so money is now going to be tight through January. DH gets paid on Friday so will need to make payments to all cc.
    I am hoping to start my new diary this week with a plan on how to clear this debt by the end of 2011
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • Herewego
    Herewego Posts: 2,541 Forumite
    Final payments in 2010, DH wages will go in Friday and as I know what to expect I am going to update our figures now.
    We started this year with debt of £49908.60 and this actually went into 50K during January when the interest hit, today it now stands at £32980.
    Its still a massive amount of debt but not a daunting as it was 12 months ago. Not only have we reduced the debt by £16928.60 but there has also been interest added and a few random spends by DH which also amounted to over £15,000.
    In theory if I can get more debt onto 0% and we pay off the same as last year I should be here next year telling you all the debt is gone.
    I have spent the last few days putting plans in place to get rid of this debt and look forward to updating it all in a new 2011 diary.
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Well done hwg it makes such a difference on 0%
  • Polly_Wolly_Doodle
    Polly_Wolly_Doodle Posts: 1,004 Forumite
    Ninth Anniversary Combo Breaker Debt-free and Proud!
    That is just a fantastic amount you have paid off in the year :j

    Keep going, just imagine how great you'll feel at the end of 2011!!

    Let us know the name of the new diary for 2011 - i need the inspiration.

    WELL DONE.

    PWD xx
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
  • Herewego
    Herewego Posts: 2,541 Forumite
    Will do just need to think of a good title now so its work in progress
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Hi HWG

    Hope you had a lovely Christmas and are enjoying a break from work x
    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/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Very much looking forward to wathing you attack 2011 with just as much vigour as you managed in 2010 - well done honey x
    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!
  • Ceniza
    Ceniza Posts: 761 Forumite
    WOW that is a massive reduction HWG! Well done, you guys must be so pleased with what you've acomplished so far :D
    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 free
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