Debt free by Summer 2012 (if not sooner!)

Woowoo

Go DF, you will have kicked Cap1 to the kerb in no time!

**Kat**_2

Well done DF you are following in Woo's footsteps nicely there x

Woowoo

I need to take a leaf out of your book at the moment!

garfield44

Hey DF,

Well done on all the payments. Its a great idea paying it off bit by bit and as you say you feel like you are doing something in between the big payments

Whats your plan for Next? Are you paying a set amount off it each month until August?

x

DebtFree2012

Hi Guys

Awww thanks
I am on a mission!!!!

Re Next - I have a worksheet dedicated to each debt in my spreadsheet and they all follow the same format of column showing balance, min payment and standard overpayment. For next I want to pay £100 a month to it regardless of balance so my overpayment column is £100 - the min payment column so always totals the £100.

Lol - that's the long winded answer, I'm making fixed payment of £100 a month and not spending on it at all.

Same for Virgin, EVIL CAP1 and Tesco CC's - fixed payments each month of £150, £200 and £60 respectively. Then I make my daily payments when I can.

I have just tried to pay money into the post office (they put it into lloyds bank account without probs) but they didn't have paying in slips and I didn't realise needed them as bank just use debit card plus they said will take while to process so not doing that - will just go to bank after work.

It's the holiday money I am trying to pay in from DH so I can pay it off. Bless him - he's bought me some sunbed minutes as i mentioned was going to get some and he said he bought them "just cos" - how sweet!!!!

xxx

Woowoo

That's really sweet of him

I am going for one tonight, I just want one a week for a while as my skin is looking a bit crap at the moment!

DebtFree2012

Same here, think I will go on a lunch time once a week then up it to twice when summer comes - exciting!!!!

xxx

DebtFree2012

Not alot to report today. No payments until tomorrow as been at conference until now and I can't be bothered to do anything.

We're definitely getting bonus and I have no idea of exact % but we've been hinted at. I may get around £800 after tax say £600. Of that I promised DH I would put something to the new sofa - don't know how much yet. Would love to just pay it all off debt - will see what I get and go from there.

I hope one day to treat the family to a lovely holiday if we get another bonus!

Deposit on holiday paid (DH gave me the money but I do the paying etc) and Cap1 is showing all payments processed.

Apart from that there's nothing new.

Feeling very lethargic!

xxx

rachelww1

Wow...that's some bonus if you get it :T
Well done on the payments so far x

**Kat**_2

Well done on current payments. Why don't you compramise and do 1/3 to sofas and 2/3 to debt? xx