No Debt, No Beer

InsertWittyName

Payday update!

August 11 balance was: -£18,875.00
September 11 balance was: -£18,560.22
October 11 balance was: -£18,375.98
November 11 balance was: -£16,570.76
December 11 balance was: -£13,353.26
January 12 balance was: -£12,110.10
February 12 balance was: -£11,262.81
March 12 balance was: -£10,601.67
April 12 balance was: -£9,542.58
May 12 balance was: -£7,927.74
June 12 balance was: -£4,974.51

July 12 balance is: -£3,967.39

Total of £1,007.12 paid off this month!

Under the £4k milestone now

Squidge123

Thats an awesome amount you've managed to reduce it by. You'll definately be debt free by xmas the way you're going!

rubyinamountainofrocks_2

Just had a nosey through your diary!

Well done again on the debt reduction! Seems you have worked really hard for it.

Also well done with the beer, I use a diary online that adds up money and calories - don't know which is scarier (only signed up coz of Swagbucks)!!

Just thought I would pop over and say hello as I don't always comment on people's diaries as I don't often have much useful to add but sometimes its nice to read a comment all the same I suppose.

InsertWittyName

Cheers ruby - I appreciate it when anyone takes the time to read my ramblings

Of the 3 car related things that are due in the next couple of months (tax, insurance & breakdown) I've just bought my breakdown cover - AA for £74 for the policy I want and hopefully £42 cashback to get from that. I switch between AA & RAC each year to get new customer/online/cashback deals.

Also going on holiday on Friday for a week with the family... whatever's left of the money I've saved for spending will go towards the debts.

As always I've been working hard on the freelance stuff

InsertWittyName

Woo, payday!

Enjoyed the holiday with the kids - spent far too much but was worth it.

August 11 balance was: -£18,875.00
September 11 balance was: -£18,560.22
October 11 balance was: -£18,375.98
November 11 balance was: -£16,570.76
December 11 balance was: -£13,353.26
January 12 balance was: -£12,110.10
February 12 balance was: -£11,262.81
March 12 balance was: -£10,601.67
April 12 balance was: -£9,542.58
May 12 balance was: -£7,927.74
June 12 balance was: -£4,974.51
July 12 balance was: -£3,967.39

August 12 balance is -£2,927.70

Total of £1,039.69 paid off this month!

Under the [STRIKE]£4k[/STRIKE] £3k milestone now

Just bought my car tax and my insurance is due in 3 weeks - for the first time ever I will be buying it in full and not paying it off monthly with added interest!

A bit of a reformed character if I do say so myself :A

tootallulah

You are doing brilliantly, and it looks like you will be debt free for Christmas, next year perhaps you can slow down a bit with the freelance and live a little - nice to see that you had a good holiday.

InsertWittyName

Thanks tootallulah - I'll definitely be slowing down as now I've earned so much via the freelance work to start paying class 4 NICS as well. I already pay 40% tax on ALL of it, don't really want to pay another 9% as well... not worth it! Will put the time back into the family and make up the time lost

Well, all of my yearly car payments have now been sorted. Got a very good price for my insurance and put it on a 0% purchases card instead of paying it monthly at 20% or whatever ridiculous APR they charge.

Looking forward to next payday as I should be under the £2k milestone. Ideally I'd like to have paid off 90%, but that would require only £1,657 to be left which is a bit of a stretch.

Here's hoping though!

InsertWittyName

Yay, payday!

August 11 balance was: -£18,875.00
September 11 balance was: -£18,560.22
October 11 balance was: -£18,375.98
November 11 balance was: -£16,570.76
December 11 balance was: -£13,353.26
January 12 balance was: -£12,110.10
February 12 balance was: -£11,262.81
March 12 balance was: -£10,601.67
April 12 balance was: -£9,542.58
May 12 balance was: -£7,927.74
June 12 balance was: -£4,974.51
July 12 balance was: -£3,967.39
August 12 balance was: -£2,927.70

September 12 balance is - £1,494.55!

Total of £1,433.15 paid off this month!

Under the £1.5k and over 90% paid off milestone now

I'd like to hope it would be clear by next pay day... but it's likely to be the payday after (21st November).

Decadent_Debtor

Wow InsertWittyName! Reading your diary has given me a proper kick up the backside. You are doing amazingly well. Can only imagine what it must feel like to (hopefully) be just one payday away from being debtfree.

You'e going to have such an awesome Christmas knowing that... and hopefully I'll be in a similar place this time next year.

Squidge123

Its definately encouraging to read your diary. I've been working out ways of making extra money - I would say so I could race you to the finish line but you'll be there long before me lol!