Pay ALL your debt off by Xmas 2014!

GunWharf

Greetings from the High Seas...#174 here


Loan payment PAID so now we are at.....



£11,614 / £27,890


Really looking to break through the 15k mark (paid off) in 2 weeks which will be a nice feeling ( I hope) ! :T On my spreadsheet looking at breaking the 50% backbone Mid October and then it is downhill baby.

Jonesy88

:wave:

I've updated the spreadsheet with all the new payments and totals, I can't change the front sheet but hopefully minicooper will be along soon and can just edit that when she gets a chance.

Keep going everyone, we are two-thirds of the way through this challenge!

minicooper272

Jonesy88 wrote: »

:wave:

I've updated the spreadsheet with all the new payments and totals, I can't change the front sheet but hopefully minicooper will be along soon and can just edit that when she gets a chance.

Keep going everyone, we are two-thirds of the way through this challenge!

Thanks Jonesy! I will take my laptop to a nearby WiFi cafe at the weekend and I'll update then!

Mat_Lock - I didn't forget cash back. £120 + a £25 gift voucher, thanks very much! :T

Getting on well with work so far, pay day on Friday. It's been an expensive few weeks though, and this will be a reduced pay. I've moved to a big city though, so lots of free things on to keep me entertained (minus the £1.60 train fare)!

Back at the weekend

amr547

In an attempt to control our food shop spending I've been buying stuff out of a single bank account with enough cash for food shop only. We have also tried to be sensible about what we buy. Been ok do far!

kirstydriver

end of month update for me

I hit the 60% mark yay! On track to clear this part of the debt by the end of the year!

No 177 £1638.43/£2728.43 60.05%


I may not comment much but I do read daily

Aphidgirl

Got paid a bit more than I usually do by work so chucked an extra £30 at one of the credit cards. Now at:

#163 £4062/9141 (44%)

More payments to follow on the 1st....

amr547

Going to make an extra payment when I get home from work and it'll take me over the halfway mark yay!

mossy

Morning all

Just paid £80 off my card balance. So I'm now standing at:

£2680.67/£5426.67 49.40%

So close to hitting the 50% mark!! :j

Also chucked a few quid in the ISA for our holiday savings. Feels a bit weird not using that money to try to clear the card, but the more I can save for our holiday the less will end up on the card in the end. :cool:

Also put a bit of shrapnel in my sealed pot for Christmas expenses. :xmastree:

Good news on the new place mini cooper!! :T

archery wrote: »

going to try and eat out of cupboards and freezers to help with debt reduction until the end of year.

Blimey, how full are your cupboards!!

I have a few things to try and sell on Facebook and some of DD's clothes to sell on Ebay so will do that today and hopefully get them all sold before I go back to work and am too busy! I need to buy DD a new winter coat so some of that money will probably have to go towards that (depending on how much her school shoes cost), then 10% will go in DD's Colombia pot and the rest either towards the holiday or card or both.

mossy

amr547 wrote: »

In an attempt to control our food shop spending I've been buying stuff out of a single bank account with enough cash for food shop only. We have also tried to be sensible about what we buy. Been ok do far!

This is an area of my budget that I constantly struggle with!! :mad::o:(

It would be interesting if people have any tips or advice. I've done the grocery challenge before but it always goes wrong.

I've tried various things but with little success. Last month I took out the cash and split it in to separate envelopes for each week plus a chunk of money to pay for a butcher shop and extras that we need. It started okay but I ended up dipping in to the next week's envelope early and spent some money on my card as well.

However, it was better than before and I will get there in the end. This month I have done the same.

I have my normal £200 (for everything for 2 adults & 1 child).

I have budgeted £25 each week for the weekly shop. 5 x £25
And £75 for other food shopping (toiletries, dishwasher tablets, stuff that needs stocking up and meat from the butchers etc). 1 x £75.

Fingers crossed it improves this month and maybe next month I can nail it!!

Mat_Lock

minicooper272 wrote: »

Thanks Jonesy! I will take my laptop to a nearby WiFi cafe at the weekend and I'll update then!

Mat_Lock - I didn't forget cash back. £120 + a £25 gift voucher, thanks very much! :T

Getting on well with work so far, pay day on Friday. It's been an expensive few weeks though, and this will be a reduced pay. I've moved to a big city though, so lots of free things on to keep me entertained (minus the £1.60 train fare)!

Back at the weekend

Excellent work mini £120 and a £25 giftcard is not too shabby indeed.

Just got to wait for that cashback to actually materialise. I am still waiting for my £100 from SKY. Now been pushed back to mid October