Pay ALL your debt off by Xmas 2013

32b3in2013

Evening

My niece has given me some money she owes me so I have made another payment.

#11 - £9636.76 / £10,224 = 94.26%

More payments to be made on Friday but I am not yet declaring debt freeness until it actually happens.

I still want to stay to be a cheer leader after Friday though.

32b3

SpagBol

32b3in2013 wrote: »

Evening

My niece has given me some money she owes me so I have made another payment.

#11 - £9636.76 / £10,224 = 94.26%

More payments to be made on Friday but I am not yet declaring debt freeness until it actually happens.

I still want to stay to be a cheer leader after Friday though.

32b3

How exciting! :beer:

amr547

i think i'm going to keep my total at £1250 for now, i can't figure out how much we have got left ! haha. not good budgeting... i'm not sure we'll hit our target by xmas now, but oh well

kerri_dfw

Yay my referral bonus is being paid in tomorrow, which means I have about £1500 to smash debts with hurrah! I think I've been taxed like a m0f0 though as the bonus was £2k and I've only got an extra £1k coming into my bank account...booo
Have ordered myself a Kenw00d hand whisk for £46 to celebrate and the rest will go towards VC. Getting excited about almost clearing that one

amr547

nice one kerry i don't get bonuses, booo

kerri_dfw

I've just made my first banana cake quite pleased with myself. There was enough to make one loaf for now and one for freezing yay

32b3in2013

SpagBol wrote: »

How exciting! :beer:

I know :j:j

However, I have decided to repay some of my Mum's debts starting next month, so If its OK, I will start again with another figure on Sunday. Is that OK? I will keep the £10224 I have paid off separate, and with my Mum's debt, which is around £8k ish, I will start as debt number 2, and start with 0% paid off. Not sure I will clearing it all by Xmas, so I will still be here next year too.

Is this OK Spagbol?

minicooper272

kerri_dfw wrote: »

Yay my referral bonus is being paid in tomorrow, which means I have about £1500 to smash debts with hurrah! I think I've been taxed like a m0f0 though as the bonus was £2k and I've only got an extra £1k coming into my bank account...booo
Have ordered myself a Kenw00d hand whisk for £46 to celebrate and the rest will go towards VC. Getting excited about almost clearing that one

Will you be on Stat Mat pay when you go off to have the little one? Just think, you will probably get a partial refund at the end of the tax year, so think of it as forced savings!

A friend of mine has referred me to her company this week. I don't think they have a job available atm, but they have asked if I'm free for a phone interview next week - hopefully I can get her a referral fee too!

SpagBol

32b3in2013 wrote: »

I know :j:j

However, I have decided to repay some of my Mum's debts starting next month, so If its OK, I will start again with another figure on Sunday. Is that OK? I will keep the £10224 I have paid off separate, and with my Mum's debt, which is around £8k ish, I will start as debt number 2, and start with 0% paid off. Not sure I will clearing it all by Xmas, so I will still be here next year too.

Is this OK Spagbol?

Yes of course Just shout when you want your new number (this is how we've done it with other peeps and it seems to work well, your existing number stays as the existing challenge and then you get a second number).

32b3in2013

SpagBol wrote: »

Yes of course Just shout when you want your new number (this is how we've done it with other peeps and it seems to work well, your existing number stays as the existing challenge and then you get a second number).

Excellent, Thanks. I will have a new number whenever you are ready. Number 11 will be paid off tomorrow, with some to spare, so I might start on my Mums debt with the rest of the money I Would normally have been paying on mine

My (Mum's) new debt total is £7538, so that's what the new number will start with I should be able to start paying that back with £140 odd tomorrow so that can be the first payment on the new number but I will sort that out when I have the new number

Thanks again Spagbol