Pay ALL your debt off by Xmas 2013

XSpender

rubywhatashmoo wrote: »

£45 for a tea soaked phone is really good! What kind of phone is it?

Its a 2 year old iphone 4 16GB. When I got home last night DH had found that currys buy old phones too and would give me £80 in it's current soggy state!! :eek:You only get an extra £9 for a working one:eek:

I am going to hang on until my phone is due for upgrade on 10th Feb just in case it causes an issue getting rid of it now and then send both off as DH has already upgraded his. That will be another £169 to pay off the beast or I might add a bit too it and clear the car as it is £209 in total:D

I seem to be massively under my food budget this month, and have £146.55 to feed us for the next 10 days. I have been doing the grocery challenge on the OS thread for years and actually achieved my target for the first time ever last month and then this month I am way under. We are still eating and drinking and feeding our son and dog so I don't know what's going on there but anything left out of the budget is going in the pot:D

Shrewbie

Happy New Year to all!

Small payment of £50 to the credit card and £100 to the work loan. Going carefully this month as I'm moving to a new flat next week and haven't received the deposit back from my previous landlord... so hopefully will be able to do a large chunk at the end of the month!!

This thread is moving so fast I love it! Hope to catch up at the weekend.

#49 £4474/5826 76.79%

Cheers Spagbol!x:rotfl:

fennmad

SpagBol wrote: »

Yay :j Your credit must be improved because you've paid some off, I think the percentage of debt used to that available and also how much you paid off in the last 12 months are both used to calculate your credit rating.



Well done on the pay increase, that's fab :T



Lol have you subscribed to this thread? That way you always get the correct one by going to UserCP.

SpagBol how do you subscribe? I can't seem to find it!

pinkskyatnight

can i enter

i started making a real effort to tackle my debts at end of september 2012 and am hoping to be debt free by October 2012 according to my stoozing plan but im sure there will be a hiccup or two on the way so i will say debt free by xmas 2013!

paid off so far £2,364.06 / left to pay £8406.05

how do i work out the percentage?

SpagBol

fennmad wrote: »

SpagBol how do you subscribe? I can't seem to find it!

At the top of the posts there are two green horizontal bars, on the lower one click on THREAD TOOLS with the little downward arrow then click on subscribe to thread (or similar). It isn't terribly obvious it took me ages to find it too!

youknowwho

pinkskyatnight wrote: »

can i enter

i started making a real effort to tackle my debts at end of september 2012 and am hoping to be debt free by October 2012 according to my stoozing plan but im sure there will be a hiccup or two on the way so i will say debt free by xmas 2013!

paid off so far £2,364.06 / left to pay £8406.05

how do i work out the percentage?

I make it that you have paid off 21.95% of your total. (I added up your two figures to give me what you started with. Then divide by 100 which was £107.70, then divided what you had paid off by £107.70, I bet someone will be able to come up with a much simpler solution as I think i have gone round the houses!!)

SpagBol

pinkskyatnight wrote: »

can i enter

i started making a real effort to tackle my debts at end of september 2012 and am hoping to be debt free by October 2012 according to my stoozing plan but im sure there will be a hiccup or two on the way so i will say debt free by xmas 2013!

paid off so far £2,364.06 / left to pay £8406.05

how do i work out the percentage?

Hi pinkskyatnight, I have a spreadsheet which does the percentage for you so you can check the front page but if you want to do it yourself it is the amount paid divided by the total debt then multiply that by 100. I have got your total debt from your signature, check the front page to confirm it is correct

recurrent-ostrich

jakes-mum wrote: »

Course I can R-O they are mostly ladies on there but are so very friendly

Jakes-mum, do you think I'm a ............boy!?! :eek::rotfl:

fennmad

sarahckitten wrote: »

So here goes this is the first time I 've taken part in one of these challenges, despite using this site for several years. I'm determined to pay off my debt this year!!
It may be a tricky task as I am also refurbishing my house and having to live at my parents whilst it is done which means on top of the mortgage council tax etc etc I have to pay board!!


so total debt as ofthe 1st of January 2013:


£14703.03

Think I will do my total paid off once every calender month.

Wish me luck guys!!!

Sarah, if no one is living at your house you can do a council tax holiday for up to 6 months. I did for mine. It is well worth it. Good luck on the refurbishment x

jakes-mum

recurrent-ostrich wrote: »

Jakes-mum, do you think I'm a ............boy!?! :eek::rotfl:

:eek::eek::eek::eek: Noooooooooooooooo! :rotfl::rotfl::rotfl::rotfl:, I was trying to say you would have lots of other nice ladies to talk too :rotfl::rotfl::rotfl: