Pay ALL your debt off by Xmas 2014!

DreamerHelen

So, I have worked out that I have paid.... £155.11 so far....Not bad for a start....considering I'm on a fairly low Income right now....things ARE improving but I have Course Placements on a Monday, Thursday and Friday.....so the time I can Work is limited....but I am still managing to pay my Debts....which is great and something that I'm proud of!!


The amount still owed might fluctuate a bit if interest is added....not sure how other people take that into account...perhaps someone can enlighten me on that...??


Feeling positive....Have had about 2 and a half hours sleep....but I'm still awake and, after X Factor, I shall be Working until about Midnight...then sleepy time...

Toomuchdebt

A little more off

#165 2584.12/4000

Frizzle_2

Exciting times ahead for me....
I have paid in my challenge tin. We rang up to get a settlement figure for loan (£500 less than if we hadn't overpaid) and fil is going to loan us the remainder. We think it will be £1600. So instead of having nearly £7000 as our target, we will have less than £2000. Hubby is sorting it all out this week so will update properly when I know the exact figures!! Exciting stuff! My frugal ways have really paid off, just saving the grocery savings has saved us over £1000! Amazing really!

SpagBol

DreamerHelen wrote: »

Hey SpagBol....Good to have a partner in crime I hope we can encourage each other along the way....I plan on being on here a LOT more often....especially now that I have had my proper LBM....I've made a list of what I owe and I'm counting down everytime I make a Payment....and I plan on not getting into ANY more Debt!! I WILL make this Debt go away!!


Right...Off to Mum's for the Afternoon....then back to do some Work tonight....


See you all later on xXx

DreamerHelen wrote: »

So, I have worked out that I have paid.... £155.11 so far....Not bad for a start....considering I'm on a fairly low Income right now....things ARE improving but I have Course Placements on a Monday, Thursday and Friday.....so the time I can Work is limited....but I am still managing to pay my Debts....which is great and something that I'm proud of!!


The amount still owed might fluctuate a bit if interest is added....not sure how other people take that into account...perhaps someone can enlighten me on that...??


Feeling positive....Have had about 2 and a half hours sleep....but I'm still awake and, after X Factor, I shall be Working until about Midnight...then sleepy time...

Well done :T an it's good to have a partner in crime.

As for interest and charges, I didn't worry about those and just counted my payments. I paid about £18k or something but it was only £13k in reality :eek: so now I have a spreadsheet with a total and the amount paid off is subtracted. Whenever interest is added it gets paid off with the next min payment so I just wait until then to declare the payment.

Frizzle wrote: »

Exciting times ahead for me....
I have paid in my challenge tin. We rang up to get a settlement figure for loan (£500 less than if we hadn't overpaid) and fil is going to loan us the remainder. We think it will be £1600. So instead of having nearly £7000 as our target, we will have less than £2000. Hubby is sorting it all out this week so will update properly when I know the exact figures!! Exciting stuff! My frugal ways have really paid off, just saving the grocery savings has saved us over £1000! Amazing really!

Fantastic, well done :T

GunWharf

#174 here reporting for duty from the South Coast

Some fantastic progress on here from many in the group. A delight reading through the posts.

Were off fishing in a bit and if you have a look at the stories in the press around the Giant Crab, measuring at least 50ft across lurking in the waters off Whitstable !

Not saying that pic is true but it is well known, that something has been cutting through fishing nets in that area for past 5 years. Some strange things out in the Seas I can tell you!

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Aloofdragon

Can I jump in ridiculously late please but would love to zap at least one of my cards before Christmas and then aim for next Xmas to be debt free .. Loving everyone's cheery signatures x

Mat_Lock

Aloofdragon wrote: »

Can I jump in ridiculously late please but would love to zap at least one of my cards before Christmas and then aim for next Xmas to be debt free .. Loving everyone's cheery signatures x

Everyone is welcome and doesn't matter that it's this late. Every little helps

Aloofdragon

O fab if I only clear one card this year its a head start from starting in January and I will def be less prone to add to it over Christmas too so bonus all round.

Mat_Lock

That is the philosophy we all like to adhere too.

Shame it doesn't always go to plan but that's life sometimes.

greenanne

evening everyone.
ok,so at last I've managed to sort myself out.
unfortunately I have had to up my total.
also,sorry minicooper but the last tine I updated my total I made a massive mistake.not quite sure how I managed it.
getting everything upto date will help me to start making payments again.

150 £1493/£7835.