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The Challenge - Debt free in two years!

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  • Ceniza
    Ceniza Posts: 761 Forumite
    Yeah sorry, that includes my bills. I just call it my rent, but that's also utilities. In total rent and bills we pay £1,300 between two. I pay £800 myself.
    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
  • Ceniza
    Ceniza Posts: 761 Forumite
    Made £600 so far in payments for June. Need to pay another £200 to reach my total £800 target for the month, otherwise I'm in danger of slipping outside of December 2012 for my DFD (as you can see from the pretty graph below :)).

    Have about £750 left in my account after rent/debt/bills so should be able to find this. Only real expense this month is my railcard. Fortunately, there's no birthdays, weddings, days out or anything booked in so should be able to find it. Plus my sisters owes me £150 so when that reaches my account in a couple of days, I may just send that right down to Lloyds for the loan :)

    Numbers so far for this month look like this :)

    My updated debt diary
    Last update: 02-June-2011


    [STRIKE]Capital One CC - £0 @ 30% (down from: £968.83)
    Lloyds TBS overdraft - £0 @ 12.3% (down from: £2,000)
    Loan from OH No.1 - £0 @ 0% (down from: £600)
    Egg Banking CC - £0 @ 21.90% (down from: £943.30)
    £200 to Loan from OH No.2 - £0 @ 0% (Down from: £2,000)
    [/STRIKE]£600 to Lloyds Loan - £15,974.19 @ 14.5% (down from: £18,831.22)

    Total Debt: £15,974.19

    juner.png
    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
  • Ceniza
    Ceniza Posts: 761 Forumite
    Oh and also...

    I'M UNDER £16K FINALLY!!!
    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
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Ceniza wrote: »
    Oh and also...

    I'M UNDER £16K FINALLY!!!

    Well done!!!

    :T:T:T:j:T:T:T
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Ceniza
    Ceniza Posts: 761 Forumite
    Thanks Beccie :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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Very well done for getting under £16k, I bet it feels great :)
    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
  • mrsb83_2
    mrsb83_2 Posts: 914 Forumite
    Congratulations! Can't wait to join you - not long until sub-£15k!
    Total Debt Sept 2010 - £24,132.38 / Current - £0.00/ 100% paid

    DFD - [STRIKE]Aug 2014[/STRIKE] 24th Aug 2012

    £10 a day // Jun - £64/£300 / Jul - £133/£310 / Aug - £281/£310
  • Ceniza
    Ceniza Posts: 761 Forumite
    Thanks MrsB
    Woowoo wrote: »
    Very well done for getting under £16k, I bet it feels great :)

    It sure does :D I'll be catching you next :beer:
    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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    I know you will, you've already cleared as much as me more or less!
    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
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    Hey, just followed everyone over and subscribed. One day I will have the time to read over your diary! How did you do your graph? I am good on excel so can say formulae etc, wouldn't mind something similar....
    Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 1
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