Pay ALL your debt off by Xmas 2013

amr547

i wish my car insurance would hurry up - it's depressing seeing lots of money in the bank but knowing you can't use it for anything other than car insurance! eeek.

oh, i need 2 new tyres, also my tax is due at the end of feb - but luckily as its a band B car its only £25 or not... and i need to get it serviced at some point, probably march ...then MOT is due in june! its first MOT as its not quite 3 yet!

Fleurlur

My car insurance, MOT, service and tax are all due in April! March will be a month of extra shifts and mega saving I think.

amr547

bloody cars!!! such an expense ... but then i love my car ha!

choclover

All our car related expenses happen in December, apart from the MOT. Which makes for a very tough and frugal xmas

Ruthy1604

Hi Everyone,

Well I've had a productive week. I've applied to remortgage as an offset. I've set the term for 10 years :eek: but its my aim to be MF by 50 - so thats 8 and a bit years away.

I seem to have loads of money left in my purse too! Just after payday I draw out what I need for the cash expenses - piano lessons, riding lessons, dinner money etc & £20 for me. We've done all the activities but I still have £70 left :shocked: Its left me wondering who I forgot to pay - lol.

I've paid a few bills and so I'm now declaring for January. I was paid yesterday, but I need to sort and allocate that so that will be Feb.

#18 2042.72/5160.38 39.58%

Sorry Spagbol - I've just seen that you've updated today already :o

recurrent-ostrich

Woohoo! Hubby's payslip has materialised. He got overtime, we can eat! :j:rotfl:
(Not really, it's not that bad but it covers the overspend last month. )

affordmylife

hi everyone.

we've all made a fab start havent we?? im thrilled to be part of this i log in everyday even if i dont post.

anyway ive had a look at my finances and its seems i miscalculated.

ive taken a couple of things back so the money has come back onto my credit card, ive made a few odd small payments and ive realised that ive actually paid off more than i realise. ill work it out properly later and update totals but im really please cos its normally a miscalulation that i owe more lol.

we have just done a big food shop £110 for 3 of us but we got absolutely tons of stuff and will probably only spend £30-£50 for the next 2 or 3 weeks. so yes i think £100 a week can be done even for 5 of you. as long as you dont waste anything and cook from scratch which i do anyway its really quite possible.

no more spending for me this month so ill frugally wait for payday again on the 19th feb. it will be a long time coming - again xx

recurrent-ostrich

affordmylife wrote: »

so yes i think £100 a week can be done even for 5 of you. as long as you dont waste anything and cook from scratch which i do anyway its really quite possible.

We spend £100 a week for the 5 of us, me, DH, two teenage boys and a 9 year old, one dog, two cats and four chickens.

We buy mainly store brands (but not much Value stuff), cook most stuff from scratch and that includes lunches for us all. We don't drink alcohol, which helps!

sam_in_leeds

Yeh count me in too please.

I turn the big 3-0 in November and got in to debt just before the big 2-0 as a student so maybe I can clear it all by November and make my 30s the decade I buy a house so I can marry Mrs Sam_In_Leeds for putting up with me.

I did a goal-seek/what-if analysis on an excel spreadsheet and I'm looking at October to be debt-free.

Currently stands at an interest-free total of £2712 but plan to make payments of £180 to 1 card and £59 on the other today so now I'll be £2473 in debt as at close of play tonight apart from any money left in current account on 21st February (22nd feb is pay day) and £400 emergency fund.

SpagBol

sam_in_leeds wrote: »

Yeh count me in too please.

I turn the big 3-0 in November and got in to debt just before the big 2-0 as a student so maybe I can clear it all by November and make my 30s the decade I buy a house so I can marry Mrs Sam_In_Leeds for putting up with me.

I did a goal-seek/what-if analysis on an excel spreadsheet and I'm looking at October to be debt-free.

Currently stands at an interest-free total of £2712 but plan to make payments of £180 to 1 card and £59 on the other today so now I'll be £2473 in debt as at close of play tonight apart from any money left in current account on 21st February (22nd feb is pay day) and £400 emergency fund.

Hi and welcome sam :wave: you are #136 I have put you down for the full £2712 so you can declare your payment and up your percentage tomorrow is that ok?

Affordmylife...how lovely to have miscalculated in your favour! Well done good work :rotfl::T