6 grand in 6 months - my personal challenge!

cottage_retreatist

Thanks WABL!!!!
Eek-the date draws ever nearer! This weekend!

Other than that-little to report-ate the last of our butternut squash lasagna tonight-Deffo something for the repertoire!!!! Mmm!!! And enjoying relaxing with the OH on the sofa-me on the ipad and him on the xbox!!!!

I caved in though and let him get the new call of duty-but he hasn't been out for months and his drinking (compared to what it was) has gone right down so I am very proud of him!!!!! This is his early Xmas pressie and he is happy with that! The rest of his present is a 10 quid primarni basket of new slippers, socks, pants and some new jogger bottoms!!!!! (Maybe 15!!!!)

Other than that we're just plodding along! Only the MOT looming-closer...closer....!!!!!!!

Frustrating times with the waiting for the debt busting!!!!
Hope everyone is good
Xx

kazp11

Hi Cottage_retreatist

Wow well done you! I am in a similar place but unfortunately not able to make such a big dent in my debt at the moment (we have a 2 and 4 year old in nursery£790 a month ouch) I look forward to watching your progress and it will give me hope for my own.

Ps I :rotfl: when I read ur ask about dreaming of a colleague. I did then ended up marrying him!! :eek:

Well done !!

cottage_retreatist

kazp11 wrote: »

Hi Cottage_retreatist

Wow well done you! I am in a similar place but unfortunately not able to make such a big dent in my debt at the moment (we have a 2 and 4 year old in nursery£790 a month ouch) I look forward to watching your progress and it will give me hope for my own.

Ps I :rotfl: when I read ur ask about dreaming of a colleague. I did then ended up marrying him!! :eek:

Well done !!

Hello kazp11!!!!! :hello:
Lovely to 'see' you drop in!!!!! :beer:

Ouch! Not looking forward to the wonders of nursery fees in the (hopefully) not too far away future!!! Hoping my family and his will be our 'free' help!!! :rotfl::rotfl:

Gosh-I've just managed to be able to look them in the eye again!!! Don't remind me! Not sure what OH would say as well :eek::eek:

Well-car currently at the garage so everybody keep your fingers crossed!!! Had to charge the battery but it started this morning which was a bonus!!!! Please please be cheap so we can use the excess to pay off the credit card!!!!

I'll keep y'all updated!!
Xxx

cottage_retreatist

Car should cost between 300-450 quid on collection! So within our budgeted amount! Yay!!!!! :j:j:j:j


And tomorrow I'll be doing the rest of our November payments, snowballing the credit cards. Can't see much more spending for this month so will try and chuck as much as possible at them!

Yay!!!! :D:D

debtfreewannabe321

all sounding fabulous-o! I hope you manage a big payment tomorrow looking forward to seeing your signature changes

cottage_retreatist

debtfreewannabe321 wrote: »

all sounding fabulous-o! I hope you manage a big payment tomorrow looking forward to seeing your signature changes

thank you DFW321!!!!!!

It's the best part of my month! Literally!!!! :D:D:D

big hugs xx

cottage_retreatist

Yay! Payments for November done and am now at the end of my 6 month challenge-the full roundup will be done tomorrow/Monday when I have all the paperwork together!!!!!

But-yay!!!!! :j:j:j:j

Thank you everyone who has supported me this far! I couldn't have kept going without you and I hope to keep busting this debt through into the new year and beyond!!!!

Celebrating with a NSD!!!! :T:T

Hope everyone is having a good Sunday
Xxxxxxx

debtfreewannabe321

How flipping fantastic C-R! I'm so pleased for you :j:j:j:j

I thought when I first started reading that £6k in 6 months was a huge amount but you've smashed it! Just added your signature up and you've paid £7748.09 :eek::j:j:j Fabulous! I hope you've factored in a small victory treat for yourself

HOK3Y

Hello C-R! :wave: Briliant news in the MOT and making your final payments in your challenge!! Looking forward to your summing up.....bet you can't wait to lay it all out in plain sight. You have achieved so much in the last 6 months - how absolutely fantastic!

So when is your new challenge starting?? We are going to be debt free in a few months C-R!! We won't finish another year in debt! :j :j :j

cottage_retreatist

OK people! Are we ready for the science bit? :cool:

I'v been crunching the numbers and ready to reveal the cold hard truth!!! Bear with me!

Debts starting number: 22,486.48 (Mid-May 2013)

Debts -

Hire-purchase - 423.31
Family - 1,342.00
PayDay Loan 1 - 1,262.00 (f&f)
PayDay Loan 2 - 937.50 (f&f)
Credit Card 1 - 400.00
Credit Card 2 - 500.00
Credit Card 3 - 500.00

Total debts cleared and closed since May - 5,364.81
Total Money PAID since May 2013 - 9,428.65:j:j

Interest saved so far - 612.45
Money saved with F&F - 901.50 :D


Amount of debt cleared to November - 34.43%
Remaining debt - 14,744.07 :eek:


December - I'm going to pay the HSBC c/c off - only 500 remaining! whoop! which will give an extra 100 per month to the other credit card and fingers crossed for a full and final on a payday loan in December too - if that all goes to plan we might just get the amount remaining into the 12 grand !!!! :money:

Just goes to show anyone can do it!! Anyone feeling down or depressed or like all those payments are not making a dent - they so do!!!! Keep persevering and we will be debt free!!!!

Yay!!:j:j:j:j

Next month I'll do my payments and then January we'll kick start the next challenge! eek!!!! :eek::eek::eek: More about it closer to the time! Keeping up the suspense! :rotfl::rotfl::rotfl:

xx