We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Start of my Debt free life.

1…1415171920…24

Comments

  • o2bfree
    o2bfree Posts: 429 Forumite
    Well I have just done a new snowball calculation which shows my DFD to be in July 2013.
    I need to knock 10 months off that as I want to be DF in September 2012.
    So if I can find an extra £100 a month I can knock 5 months off.

    Maybe not this month but starting January I am going to try and achieve as much extra as possible.

    Well I have made a start and rounded down my bank acc by £2.92 sent to nasty CC. :T
    Pay as much as you can in 2011- £3688.54/£6000
    Pay as much as you can in 2012 - £3190.96/£6000
    LBM - August 2010 - £19202.30
    Current - August 2012 - £11803.68
    Paid so far - £7398.62
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    hi there
    well done on taking control of your debts. I take it you are basically tackling these on your own as your OH hasn't had his light bulb moment yet? That must be hard. Well done though on closing down the Choice catalogue. I am amazed that they would give anyone such a high limit for a catalogue!!! And inadvertantly it helps with the DS borrowing off you all the time. He can't put things on the never never now....

    Have you been able to talk to either of them about your money worries?
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Yay to you being back with us! :)
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • o2bfree
    o2bfree Posts: 429 Forumite
    beccie wrote: »
    Yay to you being back with us! :)

    Thank you, Beccie.

    Good to be back (if you see what I mean):)
    Pay as much as you can in 2011- £3688.54/£6000
    Pay as much as you can in 2012 - £3190.96/£6000
    LBM - August 2010 - £19202.30
    Current - August 2012 - £11803.68
    Paid so far - £7398.62
  • o2bfree
    o2bfree Posts: 429 Forumite
    Well I have asked for the Organised Mum diary and budget planner for my birthday (end of the week) so that I can get myself ultra organised.
    Receiving these coincides with pay day so I can make a completely new start.
    Wish they were here now :)
    Pay as much as you can in 2011- £3688.54/£6000
    Pay as much as you can in 2012 - £3190.96/£6000
    LBM - August 2010 - £19202.30
    Current - August 2012 - £11803.68
    Paid so far - £7398.62
  • jwil
    jwil Posts: 22,479 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy new start, and Happy Birthday for tomorrow/saturday/sunday!!:bdaycake:
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Cazz
    Cazz Posts: 110 Forumite
    o2bfree wrote: »
    Well I have asked for the Organised Mum diary and budget planner for my birthday (end of the week) so that I can get myself ultra organised.
    Receiving these coincides with pay day so I can make a completely new start.
    Wish they were here now :)

    well done for getting organised :T and hope you have/had a great birthday.
  • o2bfree
    o2bfree Posts: 429 Forumite
    Thanks for birthday wishes.
    I have been spoilt and have no need to buy anything for me personally for quite a while:j

    But have been very busy celebrating and spending time with family that I still haven't opened my new diary:(

    But I haven't been spending money either so that's good:)

    Will start tomorrow on my day off:)
    Pay as much as you can in 2011- £3688.54/£6000
    Pay as much as you can in 2012 - £3190.96/£6000
    LBM - August 2010 - £19202.30
    Current - August 2012 - £11803.68
    Paid so far - £7398.62
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Glad you had a lovely birthday :)
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • jwil
    jwil Posts: 22,479 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    o2bfree wrote: »
    Thanks for birthday wishes.
    I have been spoilt and have no need to buy anything for me personally for quite a while:j

    But have been very busy celebrating and spending time with family that I still haven't opened my new diary:(

    But I haven't been spending money either so that's good:)

    Will start tomorrow on my day off:)

    Glad you had a good day!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture