Debt Free in 2015 - Who's with me?!?!?!?

recurrent-ostrich

the_storm_fisherman wrote: »

part 2

i have currently lost over 10ST and still losing i am not going to a slimming club now as money has got very tight so flying solo. so if anybody needs any questions, help or inspiration i will try to answer

Wow! 10 stone is amazing! Would love some tips as I'm not paying for a slimming club either.

[Deleted User]

missladyannie wrote: »

Can I join in too please!? This would tie in nicely with me wanting to clear a substantial amount of debt before we consider having second child. I'm going to subscribe to the thread xx

You may!

Welcome to the gang

Oooooh babies how lovely! How old is your first?

Dxxx

[Deleted User]

Th1984 wrote: »

Dec 2015 is where I am aiming for as well! Still have a large amount of debt but am overpaying where I can and everything is on the least interest possible.

I budget on my basic wage and then any overtime/bonuses/instructors allowance gets split 1/3 to overpayment, 1/3 to emergency find savings and 1/3 to those things which make life enjoyable. My sons swimming cass fees or the occasional family meal etc.

My LBM was 12 months ago and I am just sitting here toting up. How I have done....

ETA - Have paid back 6170.82 in the last 12 months, in that time we have moved house, kitted out the kitchen, had an amazing MSE holiday (flights were wedding presents and my uncle let us use his apartment rent free for 10 days)

Feeling quite proud of that right now

Wow thats an awesome amount to pay off in 12 months!

I will be aiming to pay off a total of £5,000 in 2013 - don't think I could manage any more than than to be honest but I live in hope :rotfl:

You should be proud & imagine how we will feel when we are all debt freeeeeeeeeeeeeeeeeee

Dxxx

[Deleted User]

recurrent-ostrich wrote: »

I'm wanting to lose weight too! I'm hoping to shift 3 stone of excess weight and about ten grand of excess debt in 2013! :rotfl:

Hmmmmmmm I'm aiming for about 3 stone & £5,000

We shall see how that works out I will probably get rid of the debt but just end up massive haha!

Dxxx

[Deleted User]

the_storm_fisherman wrote: »

Hi All
i have been a long term lurker on the forum i had my LB moment back in April this year thought is was about time i nailed my color's so to speak to the mast my snowball calc gives a current date of Nov 2015 excluding the mortgage or 2022 including the the Mort . when i get some more time i will post my current finance status.
ps see my next post re slimming help

Well done on your massive weight loss!!! 10st is like a whole person!

Imagine how good it will be when you are debt free & mortgage free that will be fantastic!

Dxxx

[Deleted User]

MrDJB192 wrote: »

count me in - my estimated DMP debt-free-date is mid 2016 which is too far away. I'm sure with a couple of kicks up the backside and some moral support, I can shave at LEAST 6 months off that

I will promise to give you that virtual kick up the bottom that you need if you do the same for me!

Much moral support will also be provided

We can defo all do this come on look how motivated we all are!

Dxxx

[Deleted User]

Well I have started my shiny new 2013 diary - I feel so much more motivated already!

Dxxx

MrDJB192

Deleted_User wrote: »

I will promise to give you that virtual kick up the bottom that you need if you do the same for me!

Much moral support will also be provided

We can defo all do this come on look how motivated we all are!

Dxxx

I will indeed - although i promise it will be gentle!

[Deleted User]

MrDJB192 wrote: »

I will indeed - although i promise it will be gentle!

Ahh thank you!

Hows it goin today anyway?

I am work till 4.45 then meeting a friend for some dinner - Im then ging straight home to bed I am soooooooooooooooooo tired!

Its this wintery weather Im sure of it just hate how its dark when I leave the house & dark when I get back - Bring back the sunlight!

Dxxx

MrDJB192

So far so good today.....i'm struggling with an insurance claim for a property I own but at least I finally (after 2 months) got them out to take a look, i'm hopeful that something good might come of it.

I've got my DMP confirmed with StepChange who are now in the process of letting all my creditors know what they will be recieving. I'm hoping they all freeze interest but that would require something good to happen to me for a change!!

I have a list from SC now of what each creditor will be recieveing, suprisingly, my lowest amount debt (£875 to QuickQuid) is getting the largest chunk of my £482 monthly payment..

I quite like the winter in all honesty