£1 loan payments, orangutans and learning it doesn't all happen overnight...

jtr2803

Hello chick! Congrats on your new diary , you were just trying to lose me weren't you?

Glad to see the countdown has been started! I need to try and work out what that means for me :cool:

Moneytroubles_2

Hi Beccie well done on the payments to the O/D fund I dont know when my DFD is so can't calculate my days - booooo xxx

Kepp

If_My_Pennies_Were_Pounds wrote: »

162 days until my DFD :j:j:j

Honestly can't wait until that day! Ooh I'm excited now!

That's no time at all!

If_My_Pennies_Were_Pounds wrote: »

I know! Think I will try to bring that forward though, we have a Council Tax break in February and March so I might try to clear it with that!

Sorry for hijacking Becs!

No worries, hijack away!

Kepp

Herewego wrote: »

Hi Beccie,
didnt realise you had a diary so just subscribed, well done with working out the days to dfd I will cheat and just keep asking woowoo. I love to countdown to payday every month in my signature keep up the good work.

Hi HWG,

Nice to have you here!

I've seen your count-down before and love it!

EB69

So - any big plans today? I have a really busy day today which is good news for debt busting as there will be little time for internet browsing - in fact lunch will be questionable too!

So, might pop back a bit later if I get free, til then have a good day!

EB

Kepp

jtr2803 wrote: »

Hello chick! Congrats on your new diary , you were just trying to lose me weren't you?

Glad to see the countdown has been started! I need to try and work out what that means for me :cool:

Glad to see you back, must try harder to lose you next time!

Turns out I'm not great at calculations - now they are finally right, Borneo is 114 days away...how's that looking for your countdown?

Moneytroubles wrote: »

Hi Beccie well done on the payments to the O/D fund I dont know when my DFD is so can't calculate my days - booooo xxx

Have you tried the snowball calculator to try and get an idea?

EB69 wrote: »

So - any big plans today? I have a really busy day today which is good news for debt busting as there will be little time for internet browsing - in fact lunch will be questionable too!

So, might pop back a bit later if I get free, til then have a good day!

EB

No big plans today - I'm pretty much all out of debt-busting money this month.

Just paid £50 for photo printing :eek: It was way cheaper than anywhere else but that's my cleaning money from yesterday wiped out and then some.

Try and make sure you get some lunch!

Woowoo

I can't add up either lol, including today I am actually 437 days away from financial freedom!

Woowoo

But I can confirm it's 64 days, 12 hours and 51 minutes until Christmas lol!

Kepp

Oh no, not the dreaded C word!

jtr2803

You know how much we love Xmas

Ok so I have done some calculation based on the number of days left to Borneo! I have 3 different versions all assuming my current debt of £6,162.58 and savings of £657.11 (this is incorrect as I have money to go in but the spreadsheet will adjust when the balance changes). In scenario 3 I have included a bonus of £3,500 but it could be less than this!

• Daily savings needed without DMP payment - £48.29 :eek:

• Daily savings needed with DMP payment - £39.70

• Daily savings needed with DMP/Bonus - £16.67

What I haven't taken into account is any early settlement discounts as this isn't necessarily going to be given. It's going to be hard but I think it is do-able, especially as my savings total isn't right. I have some plans but I shall reveal all on my diary once I have finished my Ireland report!

x