Pay ALL your debt off by Xmas 2013

Waywardbird

Cleared one of my debts today £234.00 :j:j

#33 488.31/2396.77

affordmylife

in five years time my youngest will be 18.

i will be debt free. i will have retired (at 49).

i would like to travel more. i would like to spend more time crafting, cooking, gardening and of course with family.

XSpender

amr547 wrote: »

So, fellow PAYDOBXers... Where do you hope to be in 5 years???

In a much bigger house with DS in a good primary school. I will have started and completed a BA and changed the direction of my career but still be working in the same field. Ideally I would like to work about 25 hours a week too.:)

PrincessLou wrote: »

Yikes! We only pay £85 direct debit a month for electricity and gas combined, and most months apart from the coldest winter months we come in alot below that so our account is always in credit!

We live in a 3 bed house and don't skimp on heating at all - it's on 24 hours a day!

You should definitely look at switching providers

£35 of the £168 is to pay off previous consumption arrears but it still means my consumption has gone up by £40:eek: per month. I was holding off changing suppliers until I had cleared the debt but it may be worth paying it off out of savings/next months overtime etc and changing now. With cash back of course;). I actually work for one of the big six but am supplied by a different one as I don't get any special tariff if I go with work.

minicooper272

amr547 wrote: »

So, fellow PAYDOBXers... Where do you hope to be in 5 years???

Well, in the next 5 years, I need to get chartered, which will come with a nice little promotion, I want to move back closer to home by then. That means a new job! This year is the year I stop being 'too young' to get married :eek: and in 2 years, I'll think it's acceptable to have children... But I have to buy a house before I have any children, so that's why I'm starting saving! That all sounds pretty scary now I write it all together. The OH doesn't want to get married until 30 (6 years), and that would be assuming he's planning on marrying me anyway!

My fleabay who didn't turn up last weekend has done me a favour, bidding is already up to £6 over what she bid, and it's nearly as much as I paid for it last year!

moneyless_mac

Another payment of £600 this was made up of my husbands travelling expenses and some ebay sales.

#1600 /6381.81 25.07%

Ruthy1604

amr547 wrote: »

So, fellow PAYDOBXers... Where do you hope to be in 5 years???

Hmm - 5 years....

I'd like to have put a big dent in my mortgage by then and to have remained Debt free. I recon we could pay it off in 6.5 years if we throw everything we have at the offset account, but we need to spend some dosh on our house and I NEED a holiday every year

In 5 years DS will be doing his A levels & be looking at Uni - I want to be able to help him (and his sister the following year).

I feel well old now :eek:

32b3in2013

amr547 wrote: »

So, fellow PAYDOBXers... Where do you hope to be in 5 years???

Exactly where I am now but without the debt

LunaLady

amr547 wrote: »

So, fellow PAYDOBXers... Where do you hope to be in 5 years???

I will be about to finish my degree and start a PGCE, debt free with a nice bank of savings and maybe even a house of my own.

I will also be 35 and the mother to a 17yo :eek::eek::eek:

Xspender thats is a lot for utilities, are you sure you are on the cheapest deal? I pay £74 for gas and elec for a 3 bed mid-terrace.

CC-Warrior

I'm not sure how this works but I'm aiming to clear up some £6,100 worth of CC debts (15.9%-26% APR) by August 2013.

This is all through one salary whilst still paying out for rent, bills, car, insurance, etc.

amr547

Me :

In 5 years time I will be 27. (Really?? oh god!)
I hope to be completely debt free except for a mortage. So in the next 5 years I want to have bought a house, maybe had one kid, and definitely have a pet a dog

Of couse my buns will still be with us - I hope!