We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Debt free by 40 -- 19 Months and counting

17778808283272

Comments

  • wantabetterlife
    wantabetterlife Posts: 1,296 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I bought this book too steph..it is a good read but not really any different than the you tube videos etc but definitely a good buy for £6..i think I paid double that!. Its the kind of book you could read over and over and still keep learning from it iykwim. You have me hooked on him since you posted that link...it is a running joke in our house when I talk about the cost of something my OH will say "what would Dave say"...lol.
    Credit card £4461.15Home mortgage £137117Buy to let mortgage £83,000
  • How did the van go on the MOT? X
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • StressedSteph
    StressedSteph Posts: 2,834 Forumite
    Part of the Furniture Combo Breaker
    I also love him. :)

    have watched many videos! and a lot of what he says makes sense.
    XX

    Hi Buffy,

    Glad im not the only UK person loving Dave Ramsey. There is so much of him online, he is an easy "go to" for inspiration.
    I bought this book too steph..it is a good read but not really any different than the you tube videos etc but definitely a good buy for £6..i think I paid double that!. Its the kind of book you could read over and over and still keep learning from it iykwim. You have me hooked on him since you posted that link...it is a running joke in our house when I talk about the cost of something my OH will say "what would Dave say"...lol.

    Hi wantabetterlife,

    I must admit my hubby can't stand him, think its the accent and the slogans. I have always loved americans and their over enthusiastic ways.
    I love watching peoples "Debt Free Screams" and Dave's phone in's.

    Good to hear you are hooked too ;)
    How did the van go on the MOT? X

    Hi DFW,

    Well it FAILED, but we knew it would. Not badly though. It needs two new tyres and something called 2 x Drop links.

    I am going to ring around tomorrow for two cheap tyres and hubby thinks he can replace these Drop link thingys and has found the parts on Ebay for half what the garage quoted.

    I think tyres are around £60-£70 each, so I think worst case scenario, the van will cost around £200 including MOT £40 to get sorted.

    This is pretty good news and leaves me with about £500 for the car.

    Hurdle 1 just about dealt with :T.

    Will get the van safely through and then in a couple of weeks i will brave the car.

    Pretty pleased though. xxx
  • Chrysalis1976
    Chrysalis1976 Posts: 682 Forumite
    Ah good news despite the failure, hope you get some good deals on all the bits that need replacing.

    Phew one almost down, one to go!
    Loan from Mum £500/£300
    DH computer £270.06/PAID :T
    Kids computer £854.33/46.18 :eek:
    Bike £276.15/118.35
    Overdraft £1192/0 :eek:
    Car £5374.04/316.12 :eek:
  • maddiemay
    maddiemay Posts: 5,139 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    that's good news, I can uncross my fingers now:rotfl:
    The best thing about the future is that it comes one day at a time. (Abraham Lincoln)
  • misstara
    misstara Posts: 4,025 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 29 May 2014 at 9:10PM
    Hi Steph, just been having a wee catch up with your diary - you're getting on great! Good news about the van MOT :) fingers crossed for the car.
    Mortgage 26.4.25 - £108,500  1.9.25 - £105,664.31
    Mortgage overpayment savings - £16.08/£50
    Mortgage overpayments so far - £800.96
  • Woo hoo on the MOT :) XX
    Nevertheless she persisted.
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Morning Steph, im really pleased the van will pass the MOT for you, such a relief. Lets hope you dont need the £500 for the car. Do you do small checks like tyres, oil etc before you take them in? xx
    Mummytogirls x

  • dawnybabes
    dawnybabes Posts: 3,508 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    That's brilliant x
    Sealed pot challenge 822

    Jan - £176.66 :j
  • StressedSteph
    StressedSteph Posts: 2,834 Forumite
    Part of the Furniture Combo Breaker
    Thanks for the cheers for the MOT. Will get the tyres sorted next week and parts ordered.


    Waiting impatiently for hubbys wages to go in this weekend.
    Need to pay our last two debt payments this month. Super late but better than never.


    I am paying £200 to Virgin cc, and I have been paying £100 pm to the Co-op cc but just realised that the minimum payment is only £30. So have decided to pay £30 to co-op and then £80 extra onto NEXT.Not snowballing properly otherwise.


    That should make a total of 1k debt payments in May !!


    Finally looks like we are getting the £80 owed to us from some folks down the road that hubby did a little job for. They are meant to be bringing up a cheque today.


    Won't make it for my May Debt payments but will throw that against NEXT as soon as it arrives.


    Not a lot else to report really. Kids go back to school on Tuesday next week. Then I can get back into my old routine. xx


    Have a great weekend all x
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.