A journey of a 1000 miles must begin with single footstep....

Lemon_Tree

sounds like you may have to try and make some things Happy.

I'll eat anyone's marzipan if they want the cake and the icing. Between us all we can eat a whole cake lol

I signed up to the £20k challenge, though i only signed up to £15k and i achieved £12880, which is £880 more than i thought i would realistically achieve so i'm 'happy' with that. It's payday for me on friday and i think i'm going to be in the £10ks!!!!!!!!!!

Herewego

Thats a fantastic xmas present to yourself LT 10k's well done, wish i was nearer that but this time next year.........

Happy Wednesday keep wrapped up its cold out there !!!! :snow_laug

Woowoo

Hi Lemon Tree

I understand the excitement at almost being in the £10's, very well done.


Just wait till we go sub £10k, I think it will start dropping much quicker x

Woowoo

Morning HWG

It's lovely and frosty here, I want snow!

Herewego

Very frosty here too off to scrape the car Booooo
I can see my wages waiting to go in the bank :j:j:j Im not excited or anything.
Have a good day catch up later

Woowoo

I just leave my car running on the drive whilst I go and straighten my hair!

When can you get your hands on your wages, not till tomorrow?

Woowoo

Found 33p whilst walking the dog, I now have £2.86 to pay in the bank, hope to do this at lunchtime if I can be bothered

**Kat**_2

Hey guys, I asked on my diary but not had response yet - how do you calculate your debt free date? I want to know what it would be without overpaying so I know what I have to beat xx

Woowoo

Hi Kat

I think most people use the snowball calulator https://www.whatsthecost.com then click on the snowballing tab on the left hand side.

I did mine different to this though, I just have my budget for the next year done so I know what my payments should be and the totals after interest is applied.

What's your diary called?

Happytogetdebtfree

Morning/night you can work your dfd out by using the snowball calculator at whats the cost i think or just google snowballing calculator .... it was freezing this morning il bet totting to bed soon and il sleep like a baby i think xxx