Pay ALL your debt off by Xmas 2014!

29Found

Hi,

Long term lurker but thought I should join in.

1st debt - Halifax 0% £ 2697.38

2nd debt sainsburys loan 8.54% = £7954.09. (This is the total if i let it run full term. If i pay this off early, the total will be less!)

Total = £10651.47

I most probably won't be debt free by Christmas but I hope to make a big dent in the total!

Thanks

minicooper272

Raggydoll85 wrote: »

Hi guys

Any tips on cutting grocery spend? Its just me and a cat but i spend loads... I dont have a car so cant shop around so im restricted to online shopping really....

the cat eats a lot for a kitty but i dont waste food....

There is a grocery challenge on the forums, what they recommend is to work out exactly what you're spending for the first month (write it down or keep receipts) then try to reduce it gradually. For online shopping try MySupermarket - they compare your basket against the other supermarkets and tell you if you'd be cheaper somewhere else. It's worth trying a cheaper brand as well for some things. I don't notice much difference between passata for 90p or passata for 29p.

Raggydoll85

minicooper272 wrote: »

There is a grocery challenge on the forums, what they recommend is to work out exactly what you're spending for the first month (write it down or keep receipts) then try to reduce it gradually. For online shopping try MySupermarket - they compare your basket against the other supermarkets and tell you if you'd be cheaper somewhere else. It's worth trying a cheaper brand as well for some things. I don't notice much difference between passata for 90p or passata for 29p.

oo i will look for the thread Id like to get it down as low as possible

Yeah i dont tend to buy expensive brands... in fact the most expensive thing i buy is for the cat... he is a very fussy eater... and i know people will say i pamper to him but ive tried cheaper and different brands flavours etc but he wont eat so it goes off and ive wasted money...

amr547

Raggydoll85 wrote: »

oo i will look for the thread Id like to get it down as low as possible

Yeah i dont tend to buy expensive brands... in fact the most expensive thing i buy is for the cat... he is a very fussy eater... and i know people will say i pamper to him but ive tried cheaper and different brands flavours etc but he wont eat so it goes off and ive wasted money...

i like this site for cheap meal ideas: http://www.budgetbytes.com/

32b3in2013

Jonesy88 wrote: »

*hayley* :wave: welcome! it's never too late to join, you're #141. I've put you down with a £6k target - is that ok?

Amr - i'm jealous of your weight loss. I need to get my bum in gear!

Mini - my 1st car was an R reg old style fiesta. I kept waiting for it to die so i could get a new a one but it never did. Ending up selling it last year.

I just realised i've been a member on this site for just over a year now, go me , It's made such a positive impact.

I am waiting for my fiesta to die too, its a 03 reg, so hopefully not too long now lol, I will be buying a mini when it goes

DD265

My current car is an R reg Fiesta, it's had a bit of a battering but just keeps ploughing on, love it! My grandad bought it when it was 2, then my Auntie had it for a few years (they both live in London so when I got it it had really low mileage) and then I got it in 2010 I think it was. If I won the lottery, I'd have it spruced up and aircon, heated sides added etc, and keep it running forever. :rotfl:

It's pay day tomorrow so I'm looking forward to making some payments. The manual one (savings against Loan) tomorrow, then the standing orders come out on the 1st. :beer:

argomatt

Hi everyone,
I haven't been able to post for a while, but finally got our new house and moved in this weekend.
I think the new place may slow the overpayments a bit, because the bills are all likely to be larger here. Hopefully I will still be able to make regular additional payments, but kind of waiting to see what the levels of the bills turn out to be.

I have been saving my spare money in a separate account, keeping it safe and earmarked for paying the credit card, but also available for emergency use should things go wrong.. Is it still ok to report this offsetting as debts being cleared? Or should I wait until I have actually paid it to the credit card account?

minicooper272

DD265 I'm with you! I have to avert my eyes from all this fiesta hate :rotfl::rotfl: I wish I still had my old fiesta, but mine did die (head gasket cracked) and I was really sad to see it go.

Anyway, back to the topic at hand! Welcome 29Found you're number 142, welcome to the challenge!

Argomatt I actually tend to declare when I've just put the money to one side as well. It will sometimes be a few days before I transfer it anywhere. Good luck with the new house!

blackberrycurved_2

Hello
I've taken yet another part time job.
today I cleared 2 cards only small amounts but £115 in all and a big boost in month one.

blackberrycurved_2

OOPs I'm number 16 forgot to put it on

NUMBER 16 - £115 paid off.

Will stick it on my signature