The Challenge - Debt free in two years!

jtr2803

I think I would wet myself with excitement if I found out I had £300 somewhere that I didn't know about :rotfl:.

22 days!!! Eeek, not long at all then! Don't forget Quidco for travel insurance etc

Ceniza

Woowoo wrote: »

What a lovely surprise to find £300 tucked away for a rainy day!

I know, she said she was really shocked! I'm glad I told her about it now

jtr2803 wrote: »

I think I would wet myself with excitement if I found out I had £300 somewhere that I didn't know about :rotfl:.

22 days!!! Eeek, not long at all then! Don't forget Quidco for travel insurance etc

Nope, not long at all. I can't wait to go now Already got my dollarz sorted out and the holiday is paid for, so nothing left to pay which is always nice as in the past my holidays have all been on credit rather than wage moneys.

Woowoo

Where you going on your hols Adam?

Ceniza

I'm flying to Hawaii for 6 days, then off to New York on the way home for a couple of days

Woowoo

Amazing, I've always wanted to go to Hawaii, have an wicked time x

Ceniza

Thanks Woowoo

It's for our birthdays this year. I wanted to go to NY and my OH want's hawaii, so for our birthdays to each other we're going this trip! Makes sense then as we don't have to worry about buying gifts and what not, we just needed to save for the holiday.

Ceniza

Okay guys, so my monthly update awaits. It's not a great update from today, however, with my holiday in two weeks, I'm a little behind my snowball payments this month! Maybe at the end of the month I can pay a bit more, but for now, this is my update

My updated debt diary
Last update: 02-September-2010

£383.87 to Lloyds Loan - £18,137.81 @ 14.5% (down from: £18,831.22)
[STRIKE]Capital One CC - £0 @ 30% (down from: £968.83)[/STRIKE]
£45.45 to Egg Banking CC - £730.00 @ 21.90% (down from: £943.30)
[STRIKE]Lloyds TBS overdraft - £0 @ 12.3% (down from: £2,000)[/STRIKE]
[STRIKE]Loan from OH No.1 - £0 @ 0%[/STRIKE]
£200 to Loan from OH No.2 - £1,800 @ 0%

Total Debt: £20,667.81

So, I managed to get to sub £21k, however, this wasn't a difficult task as I was close to it anyway. Anyway, snowball has not shifted, partly because I've not made my £800 this month, and as I'm still only going to stick to paying £800 a month rather than £900 for the next 31 months it doesn't really make a difference, despite the odd £40 over payments.... I could stretch this to more, but don't want to add this to the snowball and give myself false hope, still, April 2013 is still better than what it was... Never mind

Kepp

Don't be down Adam!

As I just said over on my diary - knocking a month off your DFD and going sub 21K is still a massive achievement :T

And the holiday is well deserved

Ceniza

Thanks Beccie - maybe if I didn't go on holiday I would have knocked a lot more of this date - still, don't know what bonus I'm getting yet, so maybe if it is big enough I can make some good overpayments in October, and I always have a hopeful payrise to look too...

jtr2803

What she said ^^^^

It's still a great reduction and you haven't fallen off the wagon at all so don't be down . I am sure holiday will do you the world of good and you will come back all refreshed and raring to go :j