whoo hoo Pay day!!!

smithy81_2

I have updated my signature as found this more motivating.

Payday today and I have just paid off my DP(£149) card and the last chunk of Argos BNPL which finishes in June so at least I wont be paying 29.9% on that one!!

Happy Payday Everyone xxx

TDMum

YAY! Well done! :T

Bobarella

Well done!

carousels

That's really impressive. Well done!!

Newyorkdreams

Wooo hoo! Happy pay day! It's my pay day too! :beer:
Well done on reducing the debts, I bet it feels great!

Keep going and you will be debt free in no time. Have you worked out your Debt Free Day (DFD)? That is really motivating too.:T

NYD

smithy81_2

Dfd 1/12/2017 but I am aiming to bring that forward , I have a app on my phone which works out the apr minimum payments and also uses the snow ball method .

Moneymash

Congratulations Smithy, :j

It feels great to clear two debts doesn't it. I know exactly how you feel. Today is pay day for me too, I have paid of my Capital one card, (5 months earlier than planned) and also the dreaded overdraft. It's such a good feeling, I have been counting the days down to this pay day and it has felt like forever coming.

Nothing stays the same and in our case today things have changed for the good. I now only have 2 debts left to pay, what about you?

I'm off to update my signature.

smithy81_2

I still have 3 cc to pay off and £600 off my bnpl for Argos which finishes throughout the next 6 months when I have tackled these I can then move on to my OD which is at 3500 be nice to have my money back instead of having to payout to these debts!

smithy81_2

You have done really well I find it easier to overpay at the beginning of the month then can budget around with what I have left!

Moneymash

smithy81 wrote: »

You have done really well I find it easier to overpay at the beginning of the month then can budget around with what I have left!

I am the same, as soon as pay day hits send the money out in overpayments, less temptation to fritter it on 'wants' and delay your debt free day.

Your LBM figure is similar to what mine was, I cant believe I got to my LBM figure and that wasn't even the highest figure, I just know I will never go back there.

smithy81_2

I feel the boards keep me focused and the support on here is amazing just wish I had found it sooner. I am learning the hard way but feel proud if myself that I am dealing with it and haven't got my head in the sand.