Debt free by Summer 2012 (if not sooner!)

DebtFree2012

Right SS's are updated and my nursery run's done for the day (I do this on my lunch break).

Just thought - my C1 statement is processed tomorrow and I get it on 18th - the other ones are in 5 days!

YEY!

x x x

**Kat**_2

Congrats on your payments you are doing soooooooo well x

DebtFree2012

Thank You

Another day closer to pay day. YEY!

Achieved quite a bit with work yesterday and I have volunteered to take on extra work (within hours I already do) but no extra pay yet however I figure it'll look good within work and if and when they make job cuts at the end of the year, I hope to be one of the last to go. I daren't sound any more positive than that in case I jinx myself lol.

It'll also mean I am busy and the days will go past quickly.

Just about to check accounts and see if payment's processed etc and where I stand today. Hoping to make another payment. 8 sleeps til pay day!

Back soon!

x x x

DebtFree2012

Annoyed!

Cap1 nearly always process my payments over night if I pay on a morning. In fact I think they always have, afternoon payments take longer which I can accept. SO when I paid £7 yesterday I expected it to have gone through over night and shown in Cap1 today. Typically, my statement is processed today, so the payment won't show until tomorrow and the £7 won't add to this month's interest reduction. Grrr.

O well - it will add to next months and means I will work even harder next month to pay more off. Barstewards that they are.

x x x x

DebtFree2012

Ok Spreadsheet updated!

I have included what we've been hinted our bonus and COL will be and projected everything until Summer 2012 which is my diary title. I can clear the Cap1 this year if I kick @ss and keep up like I have been. There's no realistic way I can clear rest by summer, even the end of lol. I will try my hardest as I want shot of this burden like you wouldn't believe but realsitically I will only be able to get rid of CC debt (not even loan) by the end of 2012. To be honest - it's the CC's I want rid of, the loan I can live with even though that's going too - I just hate having CC's.

x x x

Woowoo

DebtFree2012 wrote: »

Annoyed!

Cap1 nearly always process my payments over night if I pay on a morning. In fact I think they always have, afternoon payments take longer which I can accept. SO when I paid £7 yesterday I expected it to have gone through over night and shown in Cap1 today. Typically, my statement is processed today, so the payment won't show until tomorrow and the £7 won't add to this month's interest reduction. Grrr.

O well - it will add to next months and means I will work even harder next month to pay more off. Barstewards that they are.

x x x x

Everything the banks do is in their favour - robbing gits!

You'll win the battle though DF x

**Kat**_2

I have been reading your sig closely. I think it's a good idea showing your interest - I only show balance reduction payments which doesn't actually reflect what I have paid (i.e my loan reduced by about £75 last month but I paid £210).

DebtFree2012

Thanks Woo.

That's exactly it Kat - I pay a fortune on for interest to eat it up so I want to know what interest is doing to my figures so it will annoy me and keep me motivated.

DebtFree2012

Gooood Morning

It's Friday!!!! YIPPPEEE

It's also CAP1 statement day. First one after making extra payments. Nervous and excited - oh how sad I am.

Off to check it - anticipation!!!!

x x x

Woowoo

I know that feeling only too well DF, who'd of thought we would ever be excited by cc statements lol! x