Pay ALL your debt off by Xmas 2014!

minicooper272

January is always long!! In theory I should be OK, but I do need to hunt out a few bargains in the sales (boots are leaking and winter jacket has grown a bit small), and I know sales are my downfall!

blackberrycurved_2

Can I keep this year's number for the 2015 thread or has it already been given to someone else. If it has can you put me down and let me know when you need new totals by don't think I can pay anything else of this year feeling a bit of a failure.

abba1772

£157.48 direct debit for the car has came out brings my total to £4034.91 / £3000

Chuffed to bits I paid over a grand more than my target :j

Sandypan

Pablosammy wrote: »

That's some target! Good luck, I've given you a number in the 2015 thread.

Hi Pablosammy, have you given me a new number yet?

Pablosammy

blackberrycurved wrote: »

Can I keep this year's number for the 2015 thread or has it already been given to someone else. If it has can you put me down and let me know when you need new totals by don't think I can pay anything else of this year feeling a bit of a failure.

Hi! I'm afraid #016 has been taken, #046 sound ok to you? Let me know your target some time in the 2015 thread, and I'll update it whenever you're ready :T Don't feel like a failure, you're less in debt now than you were last year, so that's a positive

Sandypan wrote: »

Hi Pablosammy, have you given me a new number yet?

Yup! Hop on over to the 2015 thread, I've got you as lucky number 7

Pablosammy

RIGHT! I've paid my loan and student loan monthly payment today. I've transferred £631.71 to a savings account, which I'll offset in YNAB against the debt until I can pay in full. Which means....

#216 £2000/£2000 100% :j:j:j

Wanna_Bee_Free

Congratulations PabloSammy!! That's great news - well done on hitting your target.

Pepperoni

Well done everyone!

I've just made my final payment of £1,000 (bonus!) leaving my debt at £4,500. Thats around £8,000 paid off in 2014 and I've been on maternity leave for half of it! Just shows how much we were wasting previously!

OH did make a comment last night that he'd been buying red bull on his way to work (baby insists on waking up at 5am!), as I check our bank everyday and use YNAB I knew this hadn't been coming off our joint account that we agreed to use so I could keep on top of our household spending. Seems his old bank card hasn't been cut up, and as all of his salary goes into the joint account, these purchases have been coming from thin air. Hopefully when he checks his balance and tells me it, it won't be too eye watering!

Pablosammy

Pepperoni wrote: »

Well done everyone!

I've just made my final payment of £1,000 (bonus!) leaving my debt at £4,500. Thats around £8,000 paid off in 2014 and I've been on maternity leave for half of it! Just shows how much we were wasting previously!

OH did make a comment last night that he'd been buying red bull on his way to work (baby insists on waking up at 5am!), as I check our bank everyday and use YNAB I knew this hadn't been coming off our joint account that we agreed to use so I could keep on top of our household spending. Seems his old bank card hasn't been cut up, and as all of his salary goes into the joint account, these purchases have been coming from thin air. Hopefully when he checks his balance and tells me it, it won't be too eye watering!

That's some serious detective work, you've got him on a tight leash :rotfl: Congrats paying off so much in 2014, and congrats on the little one too! :T

Pepperoni

Pablosammy wrote: »

That's some serious detective work, you've got him on a tight leash :rotfl: Congrats paying off so much in 2014, and congrats on the little one too! :T

I do worry about him feeling like I have him under a tight leash :eek: He does say he doesn't feel that way, but his actions speak louder than words!

We tried having our own 'money pots' in our own bank accounts but he kept getting overdrawn and as he never checks his account he always added overdraft fees etc too it without realising. We kept having to move lump sums from our joint account to his to clear it and that was when we decided that we needed to just have one joint account that was managed / kept on top of.

Not sure what to do really as I am the one who checks our bank balance etc. Maybe try getting him more involved? I'm not sure he is very interested though, have tried showing him YNAB before and he didn't seem to care (or be excited :rotfl:)