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Debt free by Christmas 2013!!

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Comments

  • Chrysalis1976
    Chrysalis1976 Posts: 682 Forumite
    Well done, you have done so well keep it going!

    C x
    Loan from Mum £500/£300
    DH computer £270.06/PAID :T
    Kids computer £854.33/46.18 :eek:
    Bike £276.15/118.35
    Overdraft £1192/0 :eek:
    Car £5374.04/316.12 :eek:
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    Ok time to set myself some goals again I think...

    £653 to be at 50%

    From August wage I am going to pay at least half of this to reach 45% paid off minimum...

    The payments I have to make are
    - £50 to credit card with DCA
    - £25 to council tax arrears

    I am also going on holiday in about 7 weeks so need some spending money for this...

    Have been reading up on credit files and I am now in no hurry to clear the credit card with DCA, the default is there and will remain for 6 years whether I pay £50 a month or clear it quickly, so family and council tax is the priority to clear :)
    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
    £45 paid to council tax arrears :) I will get my debt busting brain back!!
    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
    7 days until pay day...

    Im off work today and actually cant be bothered doing a single thing. At least if I don't do anything then I am not spending haha.

    Debt busting is sooo hard, expecially seen as once the debt is gone I will be saving to get a large mortgage type debt!!

    Seen a new car that I really want, trying to resist as this would add to my monthly outgoings....
    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!
    You don't need a new car :naughty:
    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.
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    beanielou wrote: »
    You don't need a new car :naughty:


    But I want it!! hahahahaha
    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!
    I would like to reduce my mortgage greatly :grin:
    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.
  • postingalwaysposting
    postingalwaysposting Posts: 13,987 Forumite
    timetogrowup89 wrote: »
    But I want it!! hahahahaha

    *Sorry harsh post on it's way*

    TTGU, it seems to me that you need to fix the dimmer switch on that lightbulb ;) You are 100% debt busting and do very well but then your eyes move off the path and you decide to 'treat' yourself. You have already booked a holiday that wasn't planned at the start of your journey as you 'deserve' it but I think this is a step too far!

    You have a perfectly good car at the moment you really don't need to keep up with the Jones you need to clear your debt and start savig for a house. No one truely cares what car you drive, what you wear or where you shop and if they do THEY have a problem not you. You really need to start living within your means taking on more debt (to finance) a car is not living within your means. Not to mention pushing you deeper into debt and undoing all the work you ahve done for the last few months. I really hope you think long and hard about this because if you decide to 'purchase' a new car I will await your returning posts...


    Take care :)
  • beanielou
    beanielou Posts: 96,630 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Agree 100% with Pap.
    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.
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    postingalwaysposting wrote: »
    *Sorry harsh post on it's way*

    TTGU, it seems to me that you need to fix the dimmer switch on that lightbulb ;) You are 100% debt busting and do very well but then your eyes move off the path and you decide to 'treat' yourself. You have already booked a holiday that wasn't planned at the start of your journey as you 'deserve' it but I think this is a step too far!

    You have a perfectly good car at the moment you really don't need to keep up with the Jones you need to clear your debt and start savig for a house. No one truely cares what car you drive, what you wear or where you shop and if they do THEY have a problem not you. You really need to start living within your means taking on more debt (to finance) a car is not living within your means. Not to mention pushing you deeper into debt and undoing all the work you ahve done for the last few months. I really hope you think long and hard about this because if you decide to 'purchase' a new car I will await your returning posts...


    Take care :)


    Hahaha glad people are sooo honest. I dont need one, just gone off the debt busting rails recently...
    Have decided against it tho, because I still have lots of debt without adding another £15000 onto it. Nice to look at the pictures tho :P
    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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