Pay ALL your debt off by Xmas 2013

chocoholicqueen

Well done Armchairexpert, i bet that feels great :T :T.
I've just paid another £20 off the total, so undating again.

#156 £1551.83/9117.41

parsniphead

armchairexpert wrote: »

:j:j:j:j:j

Sorry, I am BEYOND excited. Another bill hit yesterday*, putting me $400 under what I needed, which is too much to siphon off DH's pay and still leave us enough to live on. I was devastated! Humbled! Words cannot convey my sadness. But then a couple of quarterly dividends came in, that I had totally forgotten even existed because they have historically been so tiny, and with some squeezing this fortnight's budget I can officially say:

#119 $8000/$8000

As I said upthread, I've since taken on some investment debt, which I've been separating out from this. I love this thread, and you lot, too much to leave, so I'm going to take a fortnight off and spend like a spendy thing, and then come straight back with a new target if that's alright Spag Bol?

*Does everyone else know exactly when each bill is due? We run everything through a line of credit, so there's always funds there to cover expenses, and my budget is pretty careful in that it takes into account what we spend over a year, including once-off and annual expenses...but I never know WHEN things are due, exactly, so I can never look at the accounts and think ooh, look, we're under budget, I can buy a treat.

Congratulations Armchairexpert.:beer::T

kerri_dfw

armchairexpert wrote: »

:j:j:j:j:j

Sorry, I am BEYOND excited. Another bill hit yesterday*, putting me $400 under what I needed, which is too much to siphon off DH's pay and still leave us enough to live on. I was devastated! Humbled! Words cannot convey my sadness. But then a couple of quarterly dividends came in, that I had totally forgotten even existed because they have historically been so tiny, and with some squeezing this fortnight's budget I can officially say:

#119 $8000/$8000

As I said upthread, I've since taken on some investment debt, which I've been separating out from this. I love this thread, and you lot, too much to leave, so I'm going to take a fortnight off and spend like a spendy thing, and then come straight back with a new target if that's alright Spag Bol?

*Does everyone else know exactly when each bill is due? We run everything through a line of credit, so there's always funds there to cover expenses, and my budget is pretty careful in that it takes into account what we spend over a year, including once-off and annual expenses...but I never know WHEN things are due, exactly, so I can never look at the accounts and think ooh, look, we're under budget, I can buy a treat.

Congratulations
:j:j:j:j:j:T:T:T:T:T:j:j:j:j:j

32b3in2013

Wool woop armchairexpert. You have done so well

Enjoy your spending like a spendy thing:D

his_missus

:Twell done armchairexpert:T

We seem to be on a bit of a run at the moment with people becoming df

bathyboots

armchairexpert wrote: »

:j:j:j:j:j

Sorry, I am BEYOND excited. Another bill hit yesterday*, putting me $400 under what I needed, which is too much to siphon off DH's pay and still leave us enough to live on. I was devastated! Humbled! Words cannot convey my sadness. But then a couple of quarterly dividends came in, that I had totally forgotten even existed because they have historically been so tiny, and with some squeezing this fortnight's budget I can officially say:

#119 $8000/$8000

As I said upthread, I've since taken on some investment debt, which I've been separating out from this. I love this thread, and you lot, too much to leave, so I'm going to take a fortnight off and spend like a spendy thing, and then come straight back with a new target if that's alright Spag Bol?

*Does everyone else know exactly when each bill is due? We run everything through a line of credit, so there's always funds there to cover expenses, and my budget is pretty careful in that it takes into account what we spend over a year, including once-off and annual expenses...but I never know WHEN things are due, exactly, so I can never look at the accounts and think ooh, look, we're under budget, I can buy a treat.

Well done! :beer:

You asked if everyone else knows when each bill is due. I have a spreadsheet I use and I have it to show all bills due for a year (month along the top and bill name listed on the left). In the column next to the bill name, I have the date each bill is due. So, even if it a once a year bill, I can see straight away when it is due. Hope this helps! :rotfl:

amr547

sore throat has come on and i feel terrible .:( why does this only happen at the end of the week!!!! out and about for work tomorrow so fingers crossed it will go quick.

bunnies are moulting really badly at the mo!! but its still too cold during the nights to go back outside.

SpagBol

armchairexpert wrote: »

:j:j:j:j:j

Sorry, I am BEYOND excited. Another bill hit yesterday*, putting me $400 under what I needed, which is too much to siphon off DH's pay and still leave us enough to live on. I was devastated! Humbled! Words cannot convey my sadness. But then a couple of quarterly dividends came in, that I had totally forgotten even existed because they have historically been so tiny, and with some squeezing this fortnight's budget I can officially say:

#119 $8000/$8000

As I said upthread, I've since taken on some investment debt, which I've been separating out from this. I love this thread, and you lot, too much to leave, so I'm going to take a fortnight off and spend like a spendy thing, and then come straight back with a new target if that's alright Spag Bol?

*Does everyone else know exactly when each bill is due? We run everything through a line of credit, so there's always funds there to cover expenses, and my budget is pretty careful in that it takes into account what we spend over a year, including once-off and annual expenses...but I never know WHEN things are due, exactly, so I can never look at the accounts and think ooh, look, we're under budget, I can buy a treat.

Woo hoo well done!! :j:j:j:T:T:T I'll sort out your DF roll of honour after the dinner madness

Also, I know when my bills are due from using the DD bit of online banking, I just budget the amount and date from the previous month. The 6-monthly ones catch me by surprise a bit!!

For the CC debt I have a spreadsheet which I use to update our CC totals, next to each one I put the min amount and the date of the DD so I know and I check this every day

32b3in2013

his_missus wrote: »

:Twell done armchairexpert:T

We seem to be on a bit of a run at the moment with people becoming df

its coz we are good at working on getting debt free :D

32b3in2013

Hello

My expenses were paid early, so I have started on the very debt early

#11 - £5515.74/£10,224 = 53.95% :j

whats the cost is saying that the very debt will be clear by the end of June, but I have other plans. It will be clear by the end of May!! A quidco payment of £163 is on its way so I will pay that to very as soon as it arrives

edit - Armchairexpert, I purposely do not pay my bills by direct debit because I want to know the exact date they are paid. I pay everything on payday This month has been a bit of a nuisance though, I paid all the bills last Thursday and some of the money still has not gone from my account due to the bank holidays

32b3