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Debt free by Christmas 2013!!

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Comments

  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    153 days.....
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    beanielou wrote: »
    Not that you are counting or anything :rotfl:


    Not at all.... hahaha
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
  • PloddingAlong:P
    PloddingAlong:P Posts: 89 Forumite
    Wondered where you had disappeared to :wave:
    Christmas Crazy :rotfl:

    Love de-cluttering, to the point I don't really own much anymore. :rotfl:

    2014 IS going to be a good year :j
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    PloddingAlong:P wrote: »
    Wondered where you had disappeared to :wave:

    Been really busy with work, which has led to me being a total stress-head...

    Not much debt busting been going on really :(
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    136 days until debt free date, starting to think this maybe isnt realistic anymore lol
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    Just made a £25 payment to my council tax debt, made me feel a tiny bit better, but in all honesty I have lost all motivation for debt busting....
    Not sure how to get it back?

    My life has just gone a huge bit crazy recently and I have not even been thinking about the amount I have been spending, not been caring at all about the cost of anything, which is never good. I was doing well too.

    Just looked at my credit file and the only default I have now is for the £1450 credit card and my two credit cards that I buy petrol/food on and pay in full each month have increased my limit, so the debt busting must be making some sort of impact....

    I really want to tackle the credit card debt with DCA next so that there are no unsettled defaults on my credit file, but the family debt is very important too. Hard decisions, think I may actually focus on the council tax because it is soo much smaller amount than the others hahaha. Think I am in need of a quick fix like that to make me smile a bit :D

    Having a break from doing extra shifts this month so will just be making small payments here and there I think.

    Ahhh the end will be here one day :) x
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    40.59% paid off

    £653 to be at 50%
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
  • beanielou
    beanielou Posts: 96,630 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Council tax seems good to me :)
    You have paid off nearly 3k since March.That is amazing.
    Keep going.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • PloddingAlong:P
    PloddingAlong:P Posts: 89 Forumite
    As BeanieLou has said, you have done well so don't lose heart. You found yourself getting back into it already with the last couple of posts! You just had a little break, keep the small regular payments up and keep coming on here ;) it really does help to see it written down. Just think,it will be under £4000 pretty soon.
    Christmas Crazy :rotfl:

    Love de-cluttering, to the point I don't really own much anymore. :rotfl:

    2014 IS going to be a good year :j
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    125 days until debt free date... HAHAHA!!
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
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