2014 is turn around year

debtfree2014

Budget nearly done. January is going to be a hard month. But from February things should ease a bit.

Been to Asda this morning and spent £80, I do not get paid again until Jan 10th, so that is the bulk of my shopping till then. Just fresh stuff to buy when needed and only if really needed.

Still have 3 presents to buy tomorrow but once that is done, thats it NO more unplanned spending for me. I have may spending app and my birthday and Christmas present app all ready to use. I will pick up birthday bargains a head of time if I see them. Usually I run out the day before and grab something. I am quite handy at crafts, so looking at making some stuff too.

I finish nights in the morning and don't go back till Saturday night. I will post up my debts, into my signature over the next few days. My 6 month loans. On one I owe just over £100 if I pay it off now I pay that balance, it has 4 payments on it, if I let it go those 4 payments, I will end up paying £160. So MUST look at clearing balances when ever and where ever I can.

debtfree2014

Beanielou, thank you for reading and posting

LAM2011

Good luck for 2014 - Dec / Jan is always hard but if you keep going it will get easier - stay on these boards and try some of the challenges - the people on here are really motivational.

debtfree2014

Lam2011 Thank You for reading and posting

Eyebright

If you can then you should definitely throw any and all spare cash at the loan and save yourself £60 in the process! Just think what you could buy with that. Though you wouldn't of course, you would save it!

debtfree2014

Unfortunately, that is only 1 of 4 loans

loan 1 x 2 payments left
loan2 x 4 payments left
loan 3 x 5 payments left
loan 4 x 6 payments left

So stupid of me but at the time, I needed the cash.

£47.20 10 January
£40.40 07 February
£33.60 07 March
£26.80 04 April

The above is my 4 payment loan. IfI was to clear this loan on my next payment it would be £107.20, if I go 4 payments it will be £152.06.

Other 3 loans are similar, always the option to clear a loan at any time and gives you a total to clear them all. that stands a £600 at the moment.

One loan just cleared down to 4 now

debtfree2014

My loan that has 2 payment to clear is pay before 10th Jan £104, pay the 2 payments £116. So I am going to do my very best to find/save £116 to clear it before 10th Jan. When I get paid I will work on the next one and carry on like that. Not to say this will happen but Ill do my very best

debtfree2014

Just clicked on loan site and you can pay bits at anytime. That is so much better, as if I don't get the full amount. I can do bits to bring it down :j

Eyebright

Chipping away psychologically feels so much better! Every little helps as the saying goes! You will have them cleared in no time! :money:

Gretchen2012

Hi DF2014

I'm subscribing to follow you as I'm in the same boat. Just have a loan from a relative that I want to pay off by the end of the year.

Been on and off here for a while now but I'm going to try and stick it out this time and also thinking of starting a new diary myself.

Good luck.