Debt Free by Dec 2014!

Raggydoll85

£5 paid to the OD of the nasty bank lol and £5 to savings (towards a car and paying of ceratin debts in bulk)

beth2242

Hi Raggydoll, Please could I join you on this challenge?
My debt is as listed below in my signature - mainly overdrafts but I have included our wedding payments as debt (we get married May 2015) but the total below needs paying by end of next year so at the moment we are seeing it as 'debt' - worthwhile debt of course!
With the two overdrafts to avoid any confusion I plan to pay the smaller one off first - I have worked out I can pay about £181.20 per month off the £900 O/D as well as chip away at the wedding payments! So works out (if all goes to plan) I should be able to pay the smaller O/D off by April 2014. Then will start on the next.

Good Luck everyone.

Raggydoll85

beth2242 wrote: »

Hi Raggydoll, Please could I join you on this challenge?
My debt is as listed below in my signature - mainly overdrafts but I have included our wedding payments as debt (we get married May 2014) but the total below needs paying by end of next year so at the moment we are seeing it as 'debt' - worthwhile debt of course!
With the two overdrafts to avoid any confusion I plan to pay the smaller one off first - I have worked out I can pay about £181.20 per month off the £900 O/D as well as chip away at the wedding payments! So works out (if all goes to plan) I should be able to pay the smaller O/D off by April 2014. Then will start on the next.

Good Luck everyone.

Hi Beth,:wave:

Your welcome to join me on this journey think its a goal a few people have! As i have a had a few people im following and they are following my progress (although mine is really baby steps:mad:)

Mine is dad (paid), mum, then big OD first as they are bossy, (little one is on my current account so its in and out of it every month but i usually end up maxing it out each month ) then CC and then the little overdraft should go as i wont be spending money on my debts!:T

Do you have a diary i can follow?

beth2242

I'm the same with my Halifax O/D - its my everyday account that I use for direct debits and card payments etc etc so when I first get paid it usually pays the O/D off (sometimes!) but then like you it ends up maxxed out again by the time I'm almost at my next payday!
Small baby steps always help. I have just read this whole thread and think I may join OnePoll and Qmee too as it sounds like they're good little earners.
I also have an ebay account so think I'll do a bit of sorting out around the house and get some things up for sale!
I don't have a diary - not quite sure how these work! Do you have one?

beth2242

Just realised my signature hadn't updated on my posts before. So I was listing my debts but they weren't in the signature...hopefully Its worked now.xx

Raggydoll85

beth2242 wrote: »

I'm the same with my Halifax O/D - its my everyday account that I use for direct debits and card payments etc etc so when I first get paid it usually pays the O/D off (sometimes!) but then like you it ends up maxxed out again by the time I'm almost at my next payday!
Small baby steps always help. I have just read this whole thread and think I may join OnePoll and Qmee too as it sounds like they're good little earners.
I also have an ebay account so think I'll do a bit of sorting out around the house and get some things up for sale!
I don't have a diary - not quite sure how these work! Do you have one?

Hey Beth!

Yes Qmee is handy for little pennies i tend to move the pennies of this straight in to my Debts
Onepoll pays out at £40 but if you have enough spare time its worth a go...am up to £10.30 now

ebay all the way! although i do tend to buy things if im on there too long so the rtick is to sell an item and get off there LOL

This is my diary hehe the Dec 2014 is a personal challenge... everyone else on here are either helping me along or on similar debt journeys:T
(so you can join me and post on here about your journey if you want or create your own diary )

Raggydoll85

beth2242 wrote: »

Just realised my signature hadn't updated on my posts before. So I was listing my debts but they weren't in the signature...hopefully Its worked now.xx

I can see your OD debt is that what you meant? x

beth2242

Raggydoll85 wrote: »

I can see your OD debt is that what you meant? x

Think it's updated now! I had too many lines LOL.

beth2242

Raggydoll85 wrote: »

Hey Beth!

Yes Qmee is handy for little pennies i tend to move the pennies of this straight in to my Debts
Onepoll pays out at £40 but if you have enough spare time its worth a go...am up to £10.30 now

ebay all the way! although i do tend to buy things if im on there too long so the rtick is to sell an item and get off there LOL

This is my diary hehe the Dec 2014 is a personal challenge... everyone else on here are either helping me along or on similar debt journeys:T
(so you can join me and post on here about your journey if you want or create your own diary )

Ahhhh I see! Durr! Still getting to grips with all these forums etc. Am I allowed to post on here then if I'm challenging myself the same as you? :rotfl:

Raggydoll85

beth2242 wrote: »

Ahhhh I see! Durr! Still getting to grips with all these forums etc. Am I allowed to post on here then if I'm challenging myself the same as you? :rotfl:

Yes join me hehehe you can use this as your diary too might as well as we are both on the same date target and that way we can both boost each other along too x