No Debt, No Beer

InsertWittyName

And the figures for this payday!

August 11 balance was: -£17,930.56
September 11 balance was: -£17,615.78
October 11 balance was: -£17,431.53
November 11 balance was: -£15,626.32
December 11 balance was: -£12,408.82
January 12 balance was: -£11,165.66
February 12 balance is: -£10,318.37!

£847.29 cleared this month!

Hoping for a really good update next month as lots of the freelance jobs should be completed and paid - do however have a very expensive month for the car (MoT, service and unknown repairs from the engine warning light being on!).

Sooo close to being under £10k owing

InsertWittyName

So, payment from job is now in my bank account and I've swept the tax (that will be owed!) to my ISA leaving me £609.68

Car booked in for service & repairs on Saturday so waiting on that and I'll put the remainder against the debts. I'm hoping for £300 left over, with a bit of good luck!

InsertWittyName

Not good!

Car service was £185, which is about what I expected... but the repairs needed will cost about £900! :eek:

Need a new cat (this is the expensive bit!), new alternator belt tensioner and console bushes plus labour.

Least I can afford it without using any credit, but not going to be able to make any overpayments this month :mad:

rictus123

You are still doing fantastic and hardly even mention you didnt have a beer now as seems you go most days without. How many hours a week are you working with the extra jobs you have on? My full time job is about 30-40 hours a week, my extra jobs i have on take that upto about 60 hours. Will be increasing more in summer if i can keep the work coming in!!

What kind of car do you have? Do you have a debt free date worked out?

InsertWittyName

I have a VW Polo 1.2 (05 plate).

I'm hoping to be debt free by Christmas this year - see my sig

I work 40 hours and I'm putting about the same (or maybe slightly more!) into my freelance stuff :eek:

rictus123

Oh right, thought it would be some fancy thing. Seen alot of posters on here with debt and a fancy car.....or a fast car,like me!


Yep, me also. I have debt simular to yours but still stay at home with parents so big surplus every month to get it paid off!

I am a bit of a workaholic and kinda wish i could find enough work just now to be doing 80 hour weeks, i just love keeping busy!!

InsertWittyName

Well the car bill has been paid of £800 :eek:

Still need the alternator belt tensioner doing as the part the supplier sent them was the wrong one, another £100 needed for that... and I've booked it in for it's MoT on the 24th - it'd better sail through after all I've spent! Car is running better than ever though

Only working (the day job) two days this week so will be putting a lot of time into the freelance jobs and some chores that need doing around the home.

Gonna be very little headway into the debt this month because of the above - but the debt will still be smaller at the end of the month than it was at the beginning.

InsertWittyName

I've received a letter today from Santander (I'd received my 'goodwill gesture' payment of £2.7k previously).

The letter states that they have recalculated the previous goodwill gesture and noted a discrepancy of £130.01 and a cheque is enclosed for that amount.

They state they have also added an additional £50 to the enclosed cheque (which by my math makes it £180.01) as an apology.

Guess what?

No cheque was with the letter!

Santander's incompetence never ceases to amaze me, I will be on the phone to them first thing tomorrow.

On a better note, payday tomorrow!

InsertWittyName

Payday update!

August 11 balance was: -£17,930.56
September 11 balance was: -£17,615.78
October 11 balance was: -£17,431.53
November 11 balance was: -£15,626.32
December 11 balance was: -£12,408.82
January 12 balance was: -£11,165.66
February 12 balance was: -£10,318.37
March 12 balance is: -£9,657.23!

£661.14 cleared this month

kerri_dfw

Under £10k woooohooo well done IWN you must be chuffed with that, you're working your socks off