30 months to no debt - an Optimistic Journey

patman99

Good going SBO. At this rate you will have paid your debts off a month or two early.

millionaire_in_training

fantastic. Just shows iy can be dine with hard work xx

*Robin*

Skint_but_Optimistic wrote: »

PAYDAY and I made my 1000 in May in spades. Previous debt total was 24900 and see the sig!! Next month we will be clearing some more and things will shift so much more quickly with the assistance of 0% - hurry up and come!!!

:T :j :beer: :j :T

Skint_but_Optimistic wrote: »

1. the dog ate the hose. She chewed right through the middle. Its really annoying!
2. My son has given his dad a free pass from Jesus, because he goes to church and he will hold dads hand on the way in.

1. A connector from the garden centre will set you back about £3 - think yourself lucky; I misread your comment - thought for a moment that your dog ate the house!

2. ..What a beautiful image! :T

HeadAboveWater

Wow very well done! :T:T

patman99

Robin, glad I'm not the only one to miss-read the post about the dog.

debtfreewannabe321

Everything is looking great Skint :T Long may it continue! xx

Skint_but_Optimistic

Month 20 day 14

I didnt get the bluddy job. I was down to the last 2 and my geographic location was the decider.

Moneywise, I got my 0% card. The husband did too, but it only had a 500 pound credit limit. Its 0% on purchases though for 15 months so we are using that and paying the cash onto his other cards.

Ive cleared three cards to the 0% and made a lump sum payment to a loan which means my monthly payment is reduced by £90. This will go to the most expensive debt and eventually get sorted.


Ive started my decorating and I am still working hard in the garden.


I am hoping that my most expensive debt currently, P2P, I will have cleared soon, I have 5 payments left on this currently.

I am making a lump sum payment of what I have saved in credit card payments plus my bonus. I will need, however to make a payment then close my vanquis account. Next month, I will ensure my capital one is clear and close it in August.


My car has been MOTd and Taxed for another year, I have had to replace the television and the playstation and buy the decorating stuff so I havent made the progress I wanted - but I am still on course to get things done within timescale.

please-let-me-be-lucky

Bummer on the job . Something better is meant to be.

Good news on the debt reshuffle /reduction. Well done :T Xx

Skint_but_Optimistic

Month 20 day 15

I will get the next one.

I met a friend of mine last night - shes working for juice plus.

Having tried it she is transformed. Shes now a distributor. I have signed up.

Some people wont like it - its £50 to buy a franchise. Thats 2 nights out. I used my birthday money off my parents. She has just paid for a family holiday with her bonus. Joining a team means you get the benefit of the team.

I am going to have a go at it. If anyone wants to talk about it drop me a private message and I will let you know how I go. I have ordered some capsules anyway, I am amazed at how fantastic she looks. If anyone wants some let me know! (cant blame me for trying)

Other news, its my birthday on Friday.

I am hoping the weather gives its head a shake and gets out sunny. I have relatives who want barbecue on saturday!

Financially, Nothing is happening much. The rent continues to be paid (albeit to the husbands account - joint account hasnt been set up as yet) and all ducks are in a row for now.

I am of the mind to get some good groundwork done. Plan is this month - pay an additional £300 plus whatever I get in my bonus to P2P. That means in July paying the regular payment and £300 I have ridded myself of the most expensive debt.

By November I want to have cleared my loan. Additional £600 to it a month for August September and October will see it off.

In December we have Christmas, but I will start again in January when I will have £700 a month to put to the most expensive one.

Hopefully, my Juice plus will reap some benefits, and wheras my friend is using hers for holidays, I will use it for debts.

The worst that can happen is that I am going to some network meetings about healthy eating and lifestyles.

Anyway, will let you know what happens

Skint_but_Optimistic

Month 20 day 16

I will be clearing P2p this month and saving lots of interest!

This is because my expenses will be paid and my company amex bill isnt due until 23rd July.

So I will us that and clear P2P this month. I will have plenty time and money to sort the company amex in time for its due date. I just need to make sure I have it all sorted.

Need my paper vanquis statement too. Then I can confirm its closed!!

Once that is done I will clear TFS loan. It will probably take 4 months to clear but then its 700 pounds freed up and I will really feel like I am cooking with gas.

One small concern is the perhaps new arrangement for child maintenance payments which may mean that will stop or go down, but will cross that bridge when I get to the river!