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Debt free by Christmas 2013!!

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Comments

  • beanielou
    beanielou Posts: 96,627 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    timetogrowup89 wrote: »
    I know.. It just seems to be taking sooo long to get there...

    Don't wish your life away :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
    Paid £15 today to council tax debt...

    Start uni tommorow, exciting!!
    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: 96,627 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope uni goes well.
    You start early.
    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
    113 days until the planned debt free date.

    Still not feeling like it is achievable, but feeling confident that I can come pretty close to reaching it.

    I had my LBM in March, so perhaps March 2014 is more realistic? It allows a few month leeway and a full year to become debt free from a LBM is not too bad at all...

    Off too see if I have any spare money that I can pay into my debts...

    Feeling positive!!
    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: »
    Hope uni goes well.
    You start early.


    Thank you.

    Its induction all this week. Not sure if the whole uni is in this early or just new starts :)
    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
    Paid another £50 to family debt today :)
    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
    £288 to go until reach 50%

    Dont think it will be this month, hopefully from whatevers left in this months money and end of Septembers wage I will pay at least this amount and be at the long sought after 50%

    Council tax debt WILL be gone by the end of this month too! Then I shall be left with only 2 debts, the 2 biggest ones tho :( So there will be no quick fixes, just lots of effort..

    The debts are being paid off in the following priority order:
    - council tax
    - family
    - credit card with dca

    The credit card has a fixed payment plan of £50 per month, so I am going to continue with this amount until everything else is gone. After the council tax debt is gone I plan to throw as much as I can at the family debt and hopefully be rid by xmas!!!

    Feeling so motivated now I have a plan! I would advocate that everyone gets a plan!

    Also, probably going to be soo busy studying and working that I hopefully wont have time to spend money hahahaha
    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: 96,627 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Planning always good.
    What are you studying?
    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
    That's really good goals for the last 3 debts! Well done! :)
    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
    beanielou wrote: »
    Planning always good.
    What are you studying?

    Postgrad in housing
    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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