Pay ALL your debt off by Xmas 2014!

amr547

i spent too much today, FAR FAR too much but i did get two new tefal pans (yeah i can finally do a stirfry without everything sticking to the pan!!!!) and some roasting dishes! i also have a very happy mummy, she has her early birthday presents from matalan

i am still trying to decide on a holiday, we may go to Majorca instead as it's much cheaper !!

my OH's car is 17 this year!!! it's got its MOT next month, we bought new tyres yesterday- part used ....

affordmylife

wow haven't we all been busy.


I still haven't set my target as still waiting for credit card statement but I have been super fab and not spent a penny apart from food and wool (I knit as a business) so im hoping things will look good when the time comes.


I have also transferred £1,700 of my debt onto a 0% card so that will relieve some of the interest pressure. feeling really positive this year so far x

rubywhatashmoo

1DayAAT wrote: »

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

Soooo true!! Just not making the debt increase in January is a struggle so paying anything at all off or maintaining is still a great achievement!

minicooper272 wrote: »

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

Yep same! I need to start learning to drive - I work daft shifts and now live somewhere with rubbish bus service so need to sort it out sooner rather than later but then I just think how on earth would I actually afford to buy a car? Or insure it, tax it, fill it with petrol on a regular basis?! And that's before thinking about anything around the house that needs sorting out - Am hoping that we can leave most things alone this year and make a big go at them in 2015 - but then the switch for the shower broke yesterday (easily fixed by FIL for £8.98 and 2 cups of coffee!) but I then thought what will I do if something bigger than that breaks?!? :eek:

Best not to think of it and cross my fingers like mad or I just get swamped with it and nothing gets done! :rotfl:

amr547

don't get me started on things i need to save for. it really is depressing. OH and I agreed we would have a holiday this year as we have had a really crap couple of yrs with nothing nice for ourselves bar new pans and clothes in the sales! haha.

we need a min of 12k for the house deposit. maybe even more ,so we're looking at 2016...

minicooper272

amr547 wrote: »

my OH's car is 17 this year!!! it's got its MOT next month, we bought new tyres yesterday- part used ....

I considered part-worn, but won't go there now! An ex-police officer warned us about a scene he visited once where the part-worn tyres caused the accident, and I think the guy was left disabled for the sake of saving £20. The tyres are the only thing holding you onto the road, and he said it's worth spending as much as you can afford on a split new pair. Good luck for the MOT!

ruby don't even mention big things breaking - I don't want to jinx it! I'm trying to build up a safety net, but until then, I have an un-touched credit card waiting just in case I don't have the money together.

1DayAAT I don't own a mini... I'd probably be better off if I did! I do like the old retro ones though.

Dakota86

Can I please join? I have unfortunately let my spending addiction run away with me in 2013 and have racked up £10000 in debt. I would like to pay off £5000 by Xmas 2014. Thanks

32b3in2013

Evening


A few things have sold on ebay today so my new total will be tomorrow when I can call to pay more off of my loan. Updating now as I won't be able to get on tomorrow after making the payment.

#12 - £664.38 / £10,000 = 6.64%


I have a few things ending later today too, so I might have another update.


32b3

minicooper272

Hi Dakota86 welcome You're number 123

spreadsheet updated

Jonesy88

Sorry about the numbers mix up minicooper and moneysavingtrainee

I'm itching to make some payments but life seems to be getting in the way, eating up my little e3ay earnings. Some great payments going on though - i'm excited to see our January total!

Re: old cars - i had a 16 year old car last year. I kept waiting for it to die so i could justify buying a newer one, but no, it kept passing it's mot! In the end i sold it for £200 and apparently it's still going sting now! My dad says older cars are easier to fix as you hit them with a hammer rather than plugging them into a computer :rotfl:

I'm also nervous about a lack of savings - i plan to start saving in June, fingers crossed nothing happens until then!

Tiffany_Aching

Hello and welcome Dakota86 :wave:

I've gone through the accounts this afternoon and have found another £150 to throw at the Capital One card - I'm getting rather obsessed over saying 'goodbye' to this card and its 31.1% interest!No more money available now until the 21st, so I'm thinking about looking around for stuff to Ebay instead. I haven't sold on Ebay for over three years and I'm a bit nervous about starting up again. I'm in the middle of a big declutter at the moment, so I should be able to find something to sell in amongst all the junk!

#66 £450 / 12500 Thanks