The journey starts here - don't stop believing

Woowoo

That's still a good reduction without the overpayments Kat, don't be sad x

Kepp

I'm sure you'll surprise yourself with how much closer you'll be able to bring that date x

**Kat**_2

I really hope I can be DF by Christmas 2012 - sooner would be better. I am more determined than ever and now I have set up proper spreadsheets I should be able to see the reductions making a difference. The bonus I am expecting should make a big difference so roll on July .

**Kat**_2

Beccie I just noticed, if I can have decent overpayments and your predictions are correct, we could be crossing the finishing line together lol

Kepp

We can keep each other going Kat

**Kat**_2

Would be good. Gonna have a look at my spreadsheet to see how much I need to find in overpayments to do it.

Can I ask what may seem the stupidest question ever. Do all overpayments come off the debt or does it go on interest for say, a loan which has fixed payments to cover interest?

**Kat**_2

Right, just calculated, if I pay £400 per month off debt (only an extra £125) I will be DF May 2012. LESS THAN ONE YEAR!

I am sure I can not only beat that but that I will be more capable of handing the money over rather than worrying about getting to the next payday. With a bit of hard work and determination, who thinks it could be Christmas?

**Kat**_2

PS that is if I am correct in assuming any overpayments go against the balance rather than interest......

pennywisepoundstupid

That sounds like a challenge KAT, go for it if you got nothing to lose.

**Kat**_2

Thanks Pennywise - will need to speak with the hubster but I'm sure we can do it if we set our minds to it! The prize of being DF is the ability to have another child without worrying about money so much so well worth it!