on my way to debt free- might take a while

dd1981

Keep going, you are doing great!

Dd
x

debtfreeme2015

Weve been paid early this month so have paid £441 of off the loan so the new total is £9,999. IT WILL GO UP A BIT NEXT THURSDAY WHEN INTREST IS ADDED BUT THE MINIMUM PAYMENT COMES OUT FRIDAY AND I THINK THAT WILL BRING IT DOWN TO ABOUT £9700

tootallulah

Hi I have just read your diary from the beginning, in six months you have paid off over £6k you are doing really well. I hope that you get the extra work, you will be debt free in autumn 2013 if you can manage to keep going, that will be a brilliant achievement. Good luck and what are your plans when you are debt free?

debtfreeme2015

tootallulah wrote: »

Hi I have just read your diary from the beginning, in six months you have paid off over £6k you are doing really well. I hope that you get the extra work, you will be debt free in autumn 2013 if you can manage to keep going, that will be a brilliant achievement. Good luck and what are your plans when you are debt free?

Hi thanks for reading unfortunatly the second job has not worked out and yesterday i left however have applied for lots more so will hopefully hear something after xmas.
since i started i have cleared over £11000 in total which when i only earn £12500 a year im pretty happy with :T
once i'm debt free im looking ro start a family so all my money will be saved to start working on this i also want to put some away for my neice when she hits 18. I find saving really difficult though. i like seeing the numbers go down but am not motivated by seeing them go up unfortunatley so will need to work on that

debtfreeme2015

so by the 28th dec i would have paid £978.30. am going to keep track here of how much im paying each month hope to be able to make some ore overpayments in jan

debtfreeme2015

HI. minimum payment of £538.30 came out today but when i checked online they have not updated the total I think that by the time they have added intret the amount i owe will be about £9,600 but not 100% sure as made some overpayments which hopefully will have helped reduce the intrest a bit. If this toatal is correct according to the snowball calculator next month the intrest will be less than $100 which i know is still alot but at least its slowly going down.

Am just waiting for all my dd's to come out at the begining of jan then hopefully can pay abit more of probably only about £60 as have to get the car serviced in jan but the money is saved and have found a man who comes to the house to do it and hes half the price of the garage :T.

hopefully at the end of jan my car insurance will go down as well. someone accused me of hittin there car which i didnt the police got involved and it is all being investigated so as long as it comes back in my favour my car insurace should go down by £11 a month.

debtfreeme2015

Internet banking has update and new loan balance is £9560.09.
Am really hoping to be able to get it down to £9500 when i get paid (from the job i left) on the 4th. I should get paid more than this but want to keep the rest in case the car insurance company dont find in my favour and i end up having to pay the excess on my insurance but fingers crossed that doesn't happen (its taken since may to get this far).
I have applied for 3 jobs so hoping i hear something from them in the new year but i know that if i want to get rid of this debt i def need t find a second job because i have some extra hours in jan booked (as long as they dont get cancelled) but there is no chance these will continue

debtfreeme2015

just paid the 9p off my loan as it wes annoyin me not being a roung number lol

debtfreeme2015

Another £62 just paid off of the loan it will take a few days to update online unfortunatly. i used to like paying the credit card as 2 hours after sending the payment the totals would update so it felt like it was making a differnce iyswim.
I was really bad this week and went looking at new cars (17,000 wort of new car) luckily i had my niece with me and her car seat wouldnt fit in the back so couldnt test drive it otherwise who knows what mess id be in today:mad: guess i havent had my LBM after all.
Am getting a bit annoyed with all this paying debt now the overpayments just dont seem to be making any difference and i know its going to get harder now there are no extra hours but its ny fault for giving up the second job:(:(.
Just feeling sorry for myself

debtfreeme2015

Well what can I say it's been a bad week and it's only wednesday. Had to spend £80 on a car service, £52.20 on a car service also done lots of extra miles this week so will need petrol sooner.
So spends going up and debts not going down :(:(