Pay ALL your debt off by Xmas 2013

SpagBol

bathyboots wrote: »

Thanks for my number SpagBol. I hope you feel better soon.

When I post how much I have paid off, is it just the amount I have paid, the total paid or both? I have been trying to tell by looking at other posts but I am still a bit unsure! :doh:

Many thanks.

If you put your number, your total amount paid off and your target in big colourful letters like this:

#002 £100 / £1000

That would be great thanks! You can say the amount of each payment too for our interest but I record the running total on the spreadsheet. Good luck

SpagBol

blackberrycurved wrote: »

Just caught up - sorry to those of you who have lost someone January is a horrible month.

Spag Bol being a freelancer I do sympathise with your bloke. I have to pay my tax by Jan on top of which i have to pay my accountant £500 if it's any consolation if you work out what your DH would have paid in tax doing a regular job it would probably have been heaps more.
I'm ignoring the additional tax and gas bill debts from these calculations as I would have had to pay them whatever. And with no fixed income or regular pay days. I am using money I wouldn't normally have had - through selling things - wins - collecting change etc to pay of these debts. Is anyone else doing it that way?

Quote:
Originally Posted by blackberrycurved
Love this thread I suppose lots of people already do this but I've bought our meat online through Hugh Fern Witty Thingies posh blokes website. It's organic and fresh and comes direct from the farmer £90 for half a pig - already cut up £85 for half a lamb including postage. It's £15 for a joint where I live. I add in a few free range chickens and mince at that's lasts us 8 months frozen saves a fortune and is fab meat.
Can you put up a link to the website pleasE? Sounds v interesting but I can't find it

http://www.rivercottage.net/forum/th...-great-produce

Join the forum similar to this and farmers will advertise when they have meat available or just post want to buy half a pig - you want it fresh not frozen / cut up and a price for delivery and it will save you loads. We have half a welsh black faced lamb and half a pig + free range chickens and some beef. It fits into our cheap top loading freezer about the size of a fridge. x

Anyway paying another £106 off so now
Number 113 £-340 /6373

You are right about the tax being less than PAYE...however whilst he was actually doing the job he didn't even earn enough to pay our childcare Let alone petrol etc. He was just so stubborn he refused to see it at the time. Eventually he did though so that's good but it brought back all the memories of how hard that year was to have to pay for it again!!

Sorry you are finding the tax bill tough too Can I just ask with your total being a negative- does that mean you have paid of £340 or you are negative £340...in which case shall I add £340 to your target and your running total as zero? Will put you as £340 paid off for now with original target just wanted to check

Thanks for the meat forum link

SpagBol

New total for me:

#002 £1,387 / £45,000 3.08%

:j

We are sooooo close to £100k now chaps, someone has to pay off £257 and we have done it!!

choclover

Payment for the DC has gone out this morning, taking me to £716.26/£6000 (11.94%)

Dinner last night was lovely and well deserved as the last time just the two of us went out must have been a year ago :eek:

SpagBol

choclover wrote: »

Payment for the DC has gone out this morning, taking me to £716.26/£6000 (11.94%)

Dinner last night was lovely and well deserved as the last time just the two of us went out must have been a year ago :eek:

Glad you had a good dinner out The last time we ate out as a couple was well over a year ago too! Maybe we will do it soon

32b3in2013

SpagBol wrote: »

New total for me:

#002 £1,387 / £45,000 3.08%

:j

We are sooooo close to £100k now chaps, someone has to pay off £257 and we have done it!!

We will do it. I will be paying whatever is left in my account tonight and then £780 tomorrow

Hope you are feeling better

cosmomo

#124 £134.78/£4297.50 (3.14%)

New total. Not as bad as it looks, because I was landed with a credit card bill I had forgotten about.:o But at least I'm headed in the right direction:).

Spagbol - I think my total has been mistakenly updated with somebody elses payment! I should have been on 0 til now. I will look back down the thread and see if I can work out whose it was...

Thanks for the thread guys - it really has curbed my spending this month!:beer:

choclover

Another quick update, just realised my spreadsheet wasn't quite up to date this morning and hubby has paid slightly more off his CC

#27 £719.50/£6000 (11.99%)

Ruthy1604

A couple of DD's went today so I'm now at:

#18 2069.35/5160.38 40.1%

Repayments will slow right down in Feb though. I'm aiming for 55% by the end of Feb.

PaulieDoodle

Well day before payday here for me and I am pleased to report that i finished £30.98 in credit, even after paying £100 toht my overdraft!!!

Paid an extra £10 to my credit card and £20 went into a wee "treat" account for nights out, presents etc..

Saying that, the interest payments on my credit card means it won't come down that much this month, but just need to remember in a few months I will be able to snowball payments and make a real dent in it!!

So ending my first month as a debt free wannabe:

#42: 660/7477

:beer: