The Challenge - Debt free in two years!

Ceniza

jtr2803 wrote: »

Cheers Beccie, I don't kow if either of you two do the lottery online (I do because I am a nightmare at losing bits of paper!) but they email you and it says 'we have exciting news about your ticket'.......I try not to get excited but so many times I have wished and hoped so much that there is some amazing figure in my online account :rotfl:. Think the most I have won is £60 on the normal lottery that me and my mum split. I don't do two bad on the euromillions, a few £6 & £7 here and there!

I've done those numbers for another 2 weeks Adam so there is plenty of time yet, very kind of you to tell me to use it for my own debt, I shall remember this when I make my millions somehow

Whats this millionaire calculator, it sounds interesting, albeit maybe depressing at the same time!!!

I do mine online as and when I get around to it, and the emails are very teasing when they say they've got exciting news about your ticket. I've never won more than £10 on the lottery, but I'm not a very lucky person when it comes to things like that.

beccie wrote: »

I rarely do the lottery at all - keep thinking I should though but just keep forgetting to buy the tickets! Guess I should though, all this working hard is all very well but maybe I should leave it up to fate too?!

Think I'd worry bout doing it online though, case I won and somehow it got lost online and then I had no ticket to prove it!

Can't remember where the millionaire calculator was now, basically you typed it what savings rate you had, how much a month you could save and then it told you how long till you would be a millionaire!

I know what you mean about the paper, I'm always losing things haha!

So how was everyones weekend?

jtr2803

My weekend was pretty average unfortunately although this one is shaping up to be quite busy! Saturday is looking like lunch with a friend and then work in the eve and on Sunday we are going to a massive war time show (I got my OH tickets for his birthday), it wont be my sort of thing but I think he will love it - they have tanks and flying displays etc. If the weather is nice it should be a decent day out!

Hows your motivation holding up?

Kepp

Hi Adam,

You've been quiet! How are things going?

You on track for the first of Sept challenge?!

Ceniza

Hey guys. Been off for a couple of days sick

Feeling a little better today, and dragged myself into work. Payday today

Motivation is holding up okay thanks JTR, but think that's because I've just been paid and I know I can now make some payments to my debts. Stupid question, but here goes. I got some money bags to count up my change to take to the bank, and it says on them, £2 coins up to £20 - does this just mean £20 is the maximum and I can put in there as much as I want? I'm sure that's it and I'm just being a dork!

Beccie, not sure if I'm going to be on track for the 1st September, but will give it a jolly good go! I'm planning for about £900 or just over in payments to my debt with this months wage. Should help me cut down my DFD by a month at least

So is everyone doing? Any plans for the weekend?

Determined_2b_Debt_Free

:wave: how are things going?

I always put the right money in the money bags e.g. if it says £10 in either 50p's or 20p's I put that in (not mixed though) etc - not sure if you need to but I like to have round figures! lol.

Hope you've had a good weekend.

jtr2803

Hope you are feeling better now and I am pleased to hear the motivation is holding up!!

Best of luck with the debt busting this month, £900 is a huge amount to pay off, just think how much worse it would be with all the extra interest if you weren't doing that!!

How was your weekend?

Ceniza

Hey guys

Motivation: Good

Weekend was excellent thanks - went to a fancy dress party this weekend, I was Alice Cooper - I looked a bit silly but it was all good fun.

Bad news on the debt busting front. Some friends of OH ( a couple) are going on holiday and invited her along, and naturally I was invited too - for a couple of weeks we've been discussing it as it would mean that I would have to take a break from debt busting to pay for it, and we decided this weekend we would go, so that's going to slow me down a little. But I need a break, I've been wiped out from working such long hours recently, so hopefully it will all be worth it.

How is everyone else doing? How were your weekends?

Determined_2b_Debt_Free

Hi Adam,

Good for you for going on the holiday, I would do the same in your position, when you work hard sometimes a break is very very important.

My weekend was ok thanks - although car died yesterday and it's looking another expensive bill to fork out for Got to do it as we'll need a car to get me to hospital and OH has a job interview tomorrow! It never rains, it pours!

Have a good week.

Kepp

Ha ha, sounds like the Alice Cooper thing was good fun!

Think you should take the holiday too. Debt-busting is important, but so are you. If a holiday is what you need to be able to keep at it in the long-term then you should take the break.

When is the holiday? And where? Bet it's gonna make us all jealous!

have you re-worked your payments? You may find that taking the holiday doesn't affect your debt-busting as much as you think it might anyway?

Ceniza

Determined_2b_Debt_Free wrote: »

Hi Adam,

Good for you for going on the holiday, I would do the same in your position, when you work hard sometimes a break is very very important.

My weekend was ok thanks - although car died yesterday and it's looking another expensive bill to fork out for Got to do it as we'll need a car to get me to hospital and OH has a job interview tomorrow! It never rains, it pours!

Have a good week.

Sending positive thoughts for OH tomorrow! That sucks about the car though

beccie wrote: »

Ha ha, sounds like the Alice Cooper thing was good fun!

Think you should take the holiday too. Debt-busting is important, but so are you. If a holiday is what you need to be able to keep at it in the long-term then you should take the break.

When is the holiday? And where? Bet it's gonna make us all jealous!

have you re-worked your payments? You may find that taking the holiday doesn't affect your debt-busting as much as you think it might anyway?

Hawaii in September I've not re-worked my payments yet, but I'm using my bonus to pay for it and what ever is left over I will put onto debt. My snowball doesn't include any bonus or expected pay rises either so it wont send me backwards, just means I wont be moving forwards as quickly as I would have hoped...