1 debt in 100 days part 5

Xevius

I did part 1 & 2 of this challenge and it made a huge difference so I'm back for more...
I've got 2 overdrafts I'd like to clear that total £478.

I'm currently on a push to pay down my high rate cc first as per my snowball (gonna be nearly another 2 years on that one!), therefore my aim is to pay this off purely from Ebaying and savings from my weekly grocery budget. I am going to use up storecupboard/freezer stashes, meal plan and stick to my shopping list (unless I come accross some good whoopsies !).

catchooky

Hi can I join? I'd like to pay off my Next account so I can reduce the limit right down - I love clothes from here so end up buying 'just a few bits' which end up being unworn and I'm too late to return! :eek:My current balance is £1003 so just over £10 a day in 100 days - can someone cleverer than me remind me when my 100 days finishes since I'm such a slow joe? lol:rotfl:This balance will be a bit higher as interest is still to be added but this gives me a starting point

I'm going to do this by paying at least a fiver a day as a kinda 'PAD' plus ebaying for the rest, and I've got a shift as an enumerator which will help, and doing a car boot sale a week tomorrow. Some of this debt includes about £100 my man spent on clothes for himself so he's going to give me some cash as and when he has it to put towards it. I've already got a tenner off him so far but won't add it here until I've actually transferred it over. I also have a couple of sealed tins for debt which, when opened, wil go straight to Naughty Next (or another debt if they're not full in time)
HOWEVER - I have a system of dividing up my extra money so I don't end up putting money on the credit cards and means I try to stay in budget - every time I get extra money I pay 1/4 to my Next account, 1/4 toward Fun (ie clubbing, dinner with my man, etc), 1/4 towards our first holiday which will hopefully be in January, and 1/4 for clothes and looks which also encompasses getting my hair done and toiletries (if needed). Therefore the enumerator and car boot money wil be divided up accordingly. I already have loads of stuff on ebay and scheduled to start every week but still have loads to get rid of so this should give me a kick up the bottom :money:

I'm going to keep track of this on my iphone as if it works for my diet it can work for this- can anyone recommend a suitable app to help me do this? (pref free hehe)
Sorry for the long post but one silly question - would it be ok if I include my minimum payments as technically they're still paying off the debt?
xx

rictus123

Well it was payday on Thursday just passed...so away to find out total of overdraft as it stands...its getting cleared right now!!!

bernie115

I've made a start and paid £50 onto my Next bill. I have got £480 left to pay on Next and Catalogue!:j

rictus123

£487.78 paid to overdraft so it is now CLEAR! Not a penny outstanding...

So total paid off now £602.02.

Getting there...

Started at £2856.42....£2,254.40 left! And we are on day 4 i think?

gothrockchic1

Found £5 while on a (budgeted) night out last night so thats off the Credit Card. Score so far £137/1033

Amara

Hello! Updated, check. £5 from me.

moneytree1

Hi all can I join in please I have a grand total of £4645.92 of various smaller debts £267 family owed, £374.10 IS, £357 Rent owed £453.88 CC and £3193.76 OD the main loan of £13569.60 will take care of itself for now. I don't think I can manage the full £4645.92 in full but would like to aim for £500 for now and see how I get on. Thanks and good luck to all Moneytree1

Amara

Hello Moneytree1. I added you to the list.

beanielou

rictus123 wrote: »

£487.78 paid to overdraft so it is now CLEAR! Not a penny outstanding...

So total paid off now £602.02.

Getting there...

Started at £2856.42....£2,254.40 left! And we are on day 4 i think?

Looking good :j