Pay ALL your debt off by Xmas 2013

SpagBol

Missu wrote: »

#094 1073/7586

Thank you!!

Well done, fantastic payment! :T

LunaLady wrote: »

Morning all,

Payday here tomorrow. I love the beginning of the month when I can sit down with my budget spreadsheet and work out the month ahead, and make a payment. I know that £15.66 is 1% of my original debt so they are my yardstick.

I love payday, or as I call it: money-shuffling day Have fun!

psychopathbabble

In 5 years I'd like to be:

Debt-free, married to OH, relocated to Scotland nearer his family with at least 1 kiddywink, and a mortgage we can comfortably afford, working 50% in my current job and thinking about my future career path/training once the kiddywinks are at school.

Nothing too specific then

bellabear_2

Good morning!

I'd like to report another payment to one of the cc's of £186.56 so thats;


£921.56/£11,700 7.87%


Thanks for the inspiration guys, an amazing janurary total!

rubywhatashmoo

Happy weekend everybody! Sent another £25 out in the last couple of days so my updated total is:

#048: £1,025/£5,400 18.98%

Edging ever closer to 20%!

I'm starting to get a little bit "concerned" about money now though (I was going to say stressed but that's not the right word either!) I start my new job a week tomorrow :eek: and I'll be on the same wage but with extra travelling expenses - which I can cover with no major issue (hopefully!) I'm just worried about what's going to happen with my pay at the end of this month I'm sure I'll only end up with my 2 weeks pay from old job and nothing from new job which will be PANTS and not cover the bills - but I do have savings I can borrow from so I don't have to put it on a credit card or anything but then I think if I start moving money out of my savings it will be too easy to move more and more and then there will be nothing left :mad: I don't trust myself with money at all these days which is probably for the best

If I can behave for the next 54 days then definitely everything will be sorted and it will all just keep trundling along like it has been doing for the last few months, just don't like any change in my routine - at least I know myself well enough now to know it could affect things whereas before I would have just spent a fortune on my CC at the time and ignored it!

I actually am happy that my payday will be changed to the last working day of the month rather than the last Friday - gives me less time to spend it before all the direct debits and things come out on the 1st of the month :A

Bleh rant over!! How are everyone else's weekends going?

32b3in2013

Morning

A change to routine is always scary Ruby, but you seem to have recognised where weakness might arise and thats the biggest part of the solution, recognising what may happen. Hopefully everything you have done recently will help you get through the next couple of months, and then, as you say, you will be back on track xx

A couple of things sold on eBay yesterday have been paid for, so my new total is;

#11 - £2425.27/£10,224 = 23.72%

Loads more ending today, so I hope some more of them will sell. Not sure I will make it to 25% paid though!!

I wonder when the next free listing weekend is!

Keep going everyone

32b3

amr547

I think my OH and I need to rejuggle our bills a bit and even them out so we have more cash free. ATM he ends up with less than I do at the end of the month ... People suggested a joint account however as he is on a DMP and therefore bad credit I want to keep our accounts separate for the time being. Need to have a think....

minicooper272

amr547 why not have an account in your name but treat it as a joint account - he pays into it, and could know the pin no etc, but it still keeps your finances separate?

Just signed into another thread I follow, and it's unnerving what some people like to discuss on public forums like this! I doubt any men will be joining up for a while.....

LunaLady

Good luck with the new job Ruby

Newlywed_Saving_Ninja

first of all, WOW :T, how amazing are we all paying off SO much debt in January! We officially rock! :dance:

Welcome to all newbies since I last posted!

As for my 5 year plan, it goes something like this:

1. If we decide to have children (we aren't getting any younger at 34 and 41, but at the same time I want to enjoy a few years of married life first!) then for us to have one little one running (or crawling!) around by then.

2. To be debt free and leading a life free from the worry and constant knowledge in the back of our minds that our wages are not our own at all.

3. To have bought our "forever" home together, and to be overpaying our mortgage every year, we would love to be ambitious in paying off our mortgage a lot earlier than the term we take out.

4. To just be living a good and happy life, to still be a strong couple (we are such a strong team) and enjoying each other's company as much as we do now (I see so many unhappy marriages around me where you can see the spark has gone).

5. To be building up a nice "buffer zone" savings pot should anything bite us on the bum like redundancy, cars packing up etc etc. This kind of links to not leading a life ruled by financial worries.

5. To be having one amazing holiday every year.

6. To have started my own business, whatever that may be. I don't necessarily want to earn enough from that to be able to give up my job, but just something that is for my soul that I enjoy and makes me happy (heaven knows my every day job makes me miserable!!!)

triple_choc_chip

minicooper272 wrote: »

Just signed into another thread I follow, and it's unnerving what some people like to discuss on public forums like this! I doubt any men will be joining up for a while.....

That's just got to be the mooncups? TMI for most men I should think.

I've been paid! yea! but already accounted for it so feel as strapped as ever
If I'm going to keep up the payments - even increase them if I'm to pay it all by xmas - then I need to up the income too. I've just listed 8 items on ebay and I'm hoping for between £30 -£40 quiderinos which will help me survive the month so fingers x'd.

I've made one payment to cc's so far so new total is:

no. 74: £500 / £7860

Thanks spagbol