Pay ALL your debt off by Xmas 2013

SpagBol

rogueylawyer wrote: »

I'm trying to avoid my usual boom and bust cycle of paying loads off and then running the credit card up again. My credit cards have been bouncing between £4k and £2k for the last 5 years. I had some savings from making sure we had more than enough when we moved house recently. In budgeting for the worst I've come out nicely ahead; but I'm still keeping a nice pocket of money in the savings account to deal with anything that comes up.

I did loads of overtime last month and will be getting my old flat deposit back soon so hopefully I'll be able to pay some good chunks out of that sum.

After that, it's beans on toast for roguey!

Yep I'm good at the boom and bust too! I try and put an amount across to another current account now for food and petrol every month but December was hopeless! :eek:

rubywhatashmoo

I'm still not counting the money I've stashed for this month as savings until I make it to pay day and they're still there - I ALWAYS do a big spree at the start of the month (either repayments/shopping then a week later I'm skint and spending my savings so I will be actually amazed if I make it this month as it will be the first time ever!!

jakes-mum

SpagBol wrote: »

What's a WEM when it's at home?

A Winning E-Mail I love my spamalot email account, for all the 100's of spammy mails there is occasionally a lovely 'you have won' email tucked in the middle

rogueylawyer

SpagBol wrote: »

Yep I'm good at the boom and bust too! I try and put an amount across to another current account now for food and petrol every month but December was hopeless! :eek:

I think that's one of the things that is helping to sort me out; I pay one figure in to the joint account for all our household expenses with an amount for extras there, so what remains is solely for my bills and savings. I'm aiming to overpay an average of £150 a month plus whatever overtime I manage, I just may do it in chunks - save a few months and pay 5% or 10% at a time so I still have that little cushion to avoid using a credit card again.

How long until you think you'll be debt free Spag? Is yours including a mortgage?

choclover

Just managed to make a small overpayment to my cc, as shopping this week came in under budget

#027 £370.89/£6,000.00 (6.18%)

SpagBol

jakes-mum wrote: »

A Winning E-Mail I love my spamalot email account, for all the 100's of spammy mails there is occasionally a lovely 'you have won' email tucked in the middle

Ah ok...I must have entered a comp in the last few years, my email account is just constantly spammed!!

rogueylawyer wrote: »

I think that's one of the things that is helping to sort me out; I pay one figure in to the joint account for all our household expenses with an amount for extras there, so what remains is solely for my bills and savings. I'm aiming to overpay an average of £150 a month plus whatever overtime I manage, I just may do it in chunks - save a few months and pay 5% or 10% at a time so I still have that little cushion to avoid using a credit card again.

How long until you think you'll be debt free Spag? Is yours including a mortgage?

Well in an ideal world by June 2014...probably more likely to be the end of 2014 but I'm dangerously broody so that might put a spanner in the works

Sadly not including mortgage... We have a £270k mortgage on top of this debt :eek::eek::eek::o:o:o Once we are DF then we can spare serious overpayments for the mortgage so this is a way of life for ever really <cheesed off emoticon>

SpagBol

I have made a foolish challenge with myself. I am going to try and use up all of my 100 free 99p starts on ebay every month until the end of May. Even if they don't all sell, with some (hopefully) over 99p that should be an extra £500 ish.

This is on top of not drinking alcohol. I will go mad.

I might as well go the whole hog and invite my mother-in-law to stay :rotfl::rotfl::rotfl:

blackberrycurved_2

Made me laugh SpagBol
What are 99p starts?
I found fleabay today selling some books.

eddi

jakes-mum wrote: »

A Winning E-Mail I love my spamalot email account, for all the 100's of spammy mails there is occasionally a lovely 'you have won' email tucked in the middle

:rotfl: But sometimes they're a trifle hard to spot though among the ones offering me loans & credit cards, bingo accounts, online stocks and shares, notifications of people on dodgy online "dating" sites who apparently can't wait to meet me, viagra suppliers, emails tracking parcels I haven't been sent, people introducing themselves from far off countries and making some request for X amount of dollars among the pleasantries, and ones asking me to confirm all my details for a bank I don't have an account with or my paypal so some kind soul can rob me blind!

I could do with a PA just to keep on top of my spamalot email account alone to be honest :eek: Apply within

kerri_dfw

I'm trying to stay on top of my email, but I apparently have over 2000 unread....no idea what they are and I should probably delete a whole load I'm never going to look at hmm...

I'm on top of the moon right now. I've just come back from seeing Les Mis for free :money: took apple pieces with me :money: and some crisps in a pot:money: got put on the naughty list for not having the newspaper with us, told we might not get in, then had to queue not knowing if we'd get in, then told we could, then told there might not be enough seats left, then made to wait for a few minutes, then were the last of 10 allowed in!!! :T:T:T There were tears, there was laughter, I've fallen in love with freckles again, and my oh my Hugh Jackman is lovely! even if we were in the 3rd row from the front! You could see the continuity between Anne Hathaways pimples and blackheads we were that close!

Oh and it's a NSD! Hurray :T:T:T