Pay ALL your debt off by Xmas 2014!

Raggydoll85

Reduced my overdraft by a bit to help me control my current account a bit more...means this month may feel tight, only moved it by a bit over my payrise amount so shouldnt notice it too much but next month i will be more in the black

#022 £694.25/£4363.58

Determined_diva

Hi all

Just checking in to say that I was tempted to buy a £6 bottle of wine today, but I paid it off my credit card instead!!! woop woop

DDx

kirstydriver

just calculated all payments so far this month, new total::

No 177
£528/£2728.43
19.35%

I have another payment coming out next week so am looking forward to hitting 20%!!!

have a lovely long weekend everyone!!

minicooper272

Sparrow123 wrote: »

Been paying debt since forever - Well 2008. I'm not far off now but am struglling, so thouight i'd join the site for support and the challenge.

Hope to be as close to debt free to xmas as can be.

Outstanding
Loan £3060 Credit Card £1270 overdraft £800

Hi Sparrow you're number 188! Can I just check you're total is £5130? Any future updates, just let me know the total paid off out of this

rogueylawyer wrote: »

:wall::wall:Miscalculated my finances and left myself short for the month. Having to use the credit card to pay for next week's train tickers. It's only £28 and I will be paying it all back next friday but ugh.

I'm the same, but the month will soon be over, and we will have extra tax allowance to help us!

marliepanda wrote: »

Is it just me or is April dragging for anyone else? It seems to be going on forever! Maybe because I'm not making payments due to car insurance...

Currently staying at the boyfriends had a bit of a chat about what he wants to do in the future and he is very much on board with the cottage idea so hopefully will have two savings pots on the go when he finishes uni. He seems excited and that's exciting for me!

Me too! I think it's an April thing, in Jan we have no money, in Feb we're paying off Jan, March is the first month we have money, and then in April we get a little too used to having money and spend it too quickly! We'll be better come May...

Very exciting about the cottage! You'll have loads more motivation to get debt free now!

Bublin1

....and as a single mother to two kids....April is very expensive - 2 weeks of half term holiday where I have to pay for holiday clubs and this year 5 birthday party invites which means buying presents, including my daughter's. I am proud to have organised a party and bought her a bike which was all budgeted for....and still have enough to overpay on debt this month. I'll be glado see May.

IrishRose12

Well I had a big spend today, bought a load of toys to put away for DC for Christmas. Neighbour also did the same and between us we spent over £300 but saved nearly £600 :eek:

I took the money out of my credit union account though so no debt added to I save throughout the year for Santa in my credit Union and didn't spend it all last year, so was totally worth buying what we did today.
Some of the items were bought for Birthdays too though, so the money I have saved in a tin for presents will be put back into the credit Union

minicooper272

Bublin1 wrote: »

....and as a single mother to two kids....April is very expensive - 2 weeks of half term holiday where I have to pay for holiday clubs and this year 5 birthday party invites which means buying presents, including my daughter's. I am proud to have organised a party and bought her a bike which was all budgeted for....and still have enough to overpay on debt this month. I'll be glado see May.

:eek: no wonder it's a tight month! Hope your daughter has a lovely birthday

irishrose well done on the savings! I try something similar to help pay for Christmas and birthdays too, it always feels nice to have the buffer. Next year I must remember not to spend it all on Christmas though!

amr547

this week and next week my aim is to be rubbish savvy, missed my bloody domestic waste collection cos it had moved to today from monday drat!!! if it had been recyclables thats fine but i have 3 rabbits to clean out every 2 days plus our normal rubbish.

greenanne

hi there .
I havn't been around all week as had a lot going on here.
my car was going in the garage on thurs so I knew I had to keep any money I had to pay for this.as it is it's not finished yet.i know the bill will come to around £300 though:(
I came within 82p of paying off one of my cc this week,but I have since had to use it afew times.annoying when I have cash sitting here but I must save this for the car.
I have managed to scrape together a little overpayment though of £10.hope to bee back on track next week:)
#150 £933/7713.
thankyou.

Raggydoll85

My vac blew up so had to buy a new one! so i wont be paying much off this month now!