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

Woowoo

She is very good to us

I can't wait till tomorrow to make my payments and owe Lloyds that little bit less, I want them out of my life!

Lemon_Tree

**Kat** wrote: »

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

Kat i just set up an excel spreadsheet so i could track all the balances individually and see the difference even £1 could make. Obsessive moi??

Lemon_Tree

about separate bank accounts, this is a measure i took when i was trying to get control of my finances way before my LBM but i've kept it going, though i have found that DD's have sneaked onto the 'living money' account if that's the only details i've had available when i've set up the DD.
I also set up the halifax account this year so i can get the £5 rewards, and as work will pay into different accounts it's worked well. I did worry about going overdrawn on it because of their silly charges but i've got it pretty much sorted now.

jtr2803

Hey Woo

Glad you had a good night out and came in under budget :j. We are supposed to get quite a lot of snow here in the next few days although I wont get too excited yet! I bank with Natwest too and have actually found them quite helpful although I don't owe them anything so I guess that helps.

Looking forward to new figures tomorrow!

Woowoo

Good morning

It's pay day today and I have cleared a further £432.20. Not a massive amount, but I have paid out £100 for a hen weekend next year and had to budget for the remainder of my Christmas Shopping, so am not too unhappy with this.

I now owe £11,488.36 in total - so I have gone sub £11.5k
Outstanding Lloyds balance is now £4,358.03

Only 13 pay day's remaining (very scary) am currently £3,043.02 short and I haven't even factored in things like nights out or a mini holiday next year so this could be more

I know I should feel happy, but today I just feel like it's never bloody ending lol!

If_My_Pennies_Were_Pounds

Yay on being sub £11.5k :j:j:j

£432.20 is still a big chunk on the first day of a new pay! I haven't paid much to mine as of yet, but that's mostly because I still have quite a bit of Christmas shopping to do!

£3043.02 isn't too much still to find over 13 pays...you'll find a way

Woowoo

Lemon_Tree wrote: »

Kat i just set up an excel spreadsheet so i could track all the balances individually and see the difference even £1 could make. Obsessive moi??

That's exactly what I do LT!

Kepp

Woowoo wrote: »

Good morning

It's pay day today and I have cleared a further £432.20. Not a massive amount, but I have paid out £100 for a hen weekend next year and had to budget for the remainder of my Christmas Shopping, so am not too unhappy with this.

I now owe £11,488.36 in total - so I have gone sub £11.5k
Outstanding Lloyds balance is now £4,358.03

Only 13 pay day's remaining (very scary) am currently £3,043.02 short and I haven't even factored in things like nights out or a mini holiday next year so this could be more

I know I should feel happy, but today I just feel like it's never bloody ending lol!

Well done! :T

You have done so so so so well! :j

I know what you mean though, at the moment I am finding it all just soooo frustrating

Woowoo

I think I'm just sick of getting paid and having to give it all away instantly! Nevermind, the quicker it's gone the quicker my wages are all mine!

EB69

That's the spirit woowoo :-)