Pay ALL your debt off by Xmas 2014!

Moneysavingtrainee

Sorry, this one was probably confusing for you both jonesy and Moneysavingtrainee - Moneysavingtrainee, I had you down on the spreadsheet as an early member but waiting for debt total. You're number 057, so I will give number 123 to the next newbie (unless you prefer 123?)

Thanks minicooper, I'll stick with #57 if that's ok. I have updated my total since (I think I did it right) it's all new to me!

minicooper272

Cantfindafreeuserid wrote: »

I'm not sure if you updated my miscalculation and saw that I had to add a further £40 to my total.
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Don't worry - I just haven't updated the front page for a couple of days. It's been a long week, so I did the bear minimum on Friday night Off to update the front page now.

updated the spreadsheet while I was at it...

Verityemilia

Off to a good start ....

£50 / £400 bank of Ma and Pa

Have increased my monthly payment to cc

X

amr547

today is one of those WOE IS ME days! urg... it will all work out eventually

freespirit66

Determined_diva wrote: »

Hi all

Just checking in.. made a big step today! The largest debt of just over £8k I have been paying £50 per month for the past 2 years. I had the money, but was not making myself the true broke that I realy am and still carrying on with the lifestyle that got me into debt in the first place.
Today - I re looked at my spreadsheets I did pre xmas and I said that I was going to pay £700... so I changed my standing order to pay that amount every month now.
I feel a bit sick - like a little child who has had their pocket money cut off! BUT I realise that I am am wasting time paying minimum payments and then spending £650 on luxuries whilst posting on here!
Feeling embarrased as you lot all work so hard at debt busting and Im a fraud.. but I'm going to do it now once and for all.. I shall be here next year... but with saving targets NOT and I really mean NOT in debt still
Sorry to be childish but I need a group hug, this was a really hard thing for me to own up to and commit to :-(
DDx

:grouphug: oh my lovely, dont be embarrassed, well done you for sorting out your payments, big virtual group hug coming your way

rubywhatashmoo

amr547 wrote: »

today is one of those WOE IS ME days! urg... it will all work out eventually

I had one of those yesterday - we ended up getting a Dominos for dinner and I had a shopping spree online (a hat and pencil topper thing from the Topshop sale - total £7! :rotfl:) then got back to sorting out the house, checked my budget - still within limit for the month and feel a bit better today :cool: In the middle of painting my nails and all food from home today so happier to be back on track!

1DayAAT

rubywhatashmoo wrote: »

I had one of those yesterday - we ended up getting a Dominos for dinner and I had a shopping spree online (a hat and pencil topper thing from the Topshop sale - total £7! :rotfl:) then got back to sorting out the house, checked my budget - still within limit for the month and feel a bit better today :cool: In the middle of painting my nails and all food from home today so happier to be back on track!

Me too - been having lot of those days this month ! Even though I'm bang on track (and even a bit ahead) it still feels like BLAH and I want more progress under my belt! But I've always been the impatient sort once I put my mind to something It is the most motivated I've been in ages though and feels good! So have to remember that focus when the WOE IS ME starts to kick in and just battle on through.

And once we have January out of the way I think we'll all start to feel like a bit of headway is being made

:j

Determined_diva

hi all

I am the same today - I have been plugging in all my future monthly payments just to see my "total debt paid off" and my "% paid off" go up! ha ha roll on summer I say - by then I would be just over 50% the way through my debt paying off just under £6k. I really need to spend my time more wisely today, but at least this is keeping me focussed. I want the same spreadsheet next year, but for saving not debt repaying

Happy sunday everyone!
DDx

minicooper272

I think I live in a time warp sometimes. I bought my car 2 years ago, and it was 8 years old. I realised last night that it's no longer 8, it's now 10 :eek: Need to start putting money aside for a new one, just in case something breaks worth more than the car.

I'm getting really depressed thinking of all the things I need to put money aside for right now. I think I need about £15k to cover everything, which will take a few years even if I'm very frugal! This is when I get really depressed when others seem to be able to pull together the money in 5 minutes flat

1DayAAT

minicooper272 wrote: »

I think I live in a time warp sometimes. I bought my car 2 years ago, and it was 8 years old. I realised last night that it's no longer 8, it's now 10 :eek: Need to start putting money aside for a new one, just in case something breaks worth more than the car.

My car is 10 this year too Mini! Hard to believe. May I take a wild guess that you have a Mini Cooper? Me too! (Hence the pic;)) Little beauts, I plan to keep it for a long time all being well, they look so cute and retro anyway who cares (If they are healthy of course hehe) Sorry to divert