£23179.10 until my debt free life begins in March 2014

Kepp

Glad to have you back DF and good to hear you had a good time and have come back refreshed

DebtFree2012

Thanks guys.

Right - I have been checking and moving figures around and loan in on target to go in 6 more payments! Bring it on!!!! Once that's gone I am reworking my bills account to only include bills that are household. That was I know exactly how much is coming out every month and the other account for debt so then I know anything in there can be paid to debt. Keeps things in order. When I am DF I will then just use the debt payment account as a savings account

Sounds like a plan to me!

Am sooo excited about it all.

Right now I need to menu plan - tasty budget meals.

xxx

brizzledfw

Well done:T

DebtFree2012

Wahoooo got a 10% rise

LivvyLoo_2

WAHOOO! Thats excellent news, bet you can't wait to see your payslip and update spreadsheet.

Congratulations

xx

DebtFree2012

Thanks Livs.

DebtFree2012

Morning all

Well I got my payslip and have 162 a month more due to pay increase which I am thrilled about for many reasons. Apart from the obvious I am very pleased as I am finally having recognition for all the hard work I did last year.

Needless to say this will go to debt and I will also try to save £50 a month too so the family see the worth of it.

Off to check accounts and make an overpayment before pay day tomorrow.

xxxx

DebtFree2012

£100 to loan (£120 this week) which I am making on top of the direct debit (£167.63) and on top of my budgetted over payment of £400. So should see it come down a good way this month.

I have sorted my spreadsheet now I know the exact figure I am getting paid and have a new challeneg ahead as I am now paying £120 to the student loan ppl which I had forgotten about. Apparently I still owe 5k! It's not a prob as such as it's gone before I know about it but I would like that money in my pocket each month.

Debt busting still fully in action and I have started meal planning using freezer contents and so on so trying to keeps costs down although my pantry needs replenishing.

xxx

DebtFree2012

Right I have got a balance from the student loan and it's due to be cleared the year after I become DF. Will just have to let that one ride. Once it's gone then I will be able to enjoy the said money to myself again so will just look forward to that. They are sending me a statement so I can double check nothing is missing from there and then I will put it to one side remembering to update it annually via their online database.

Chomping at the bit to get this debt cleared now. I have £175 this month for Groceries which is alot for us so will spend some on replenishing pantry then meal plan the rest.

I have about £70 sat waiting to be withdrawn from Quidco so leaving it until it gets to £100 then will put it straight to debt - May use it for the debt after the loan whichever that may be..! I can just to say believe the loan will be cleared soon.....This year I will have got shot of that all being well, maybe it would be nice to get shot of another one which is the 2nd highest interest so I will have cleared 2 in 1 year and the next 2 next year......

Decisions!

Lost_and_nervous

Hi there, I have just read a few threads of your diary and wow your doing really well and I can really feel your enthusium, something I long to have. I am going to tag along if thats ok xx