2014 - keep crunching away

PinkPoppies

A little motivation goes a long way- I love Zoopla!

Congratulations on passing your exam!!!! :beer: Brilliant news!

DebtFree2012

Ah thank you hun - it was a huge boost for me - a step in the right direction for when I am DF and own my own yard

DebtFree2012

Right, well, I am tentatively going for a new DFD of last payment 24th March 2017. This is making extra payments with this extra work and assuming I take on quite a lot and pay out very little - life's that easy, right?

I need to update my signature with this month's details - before I update it it stands as follows: Debt Jan 2014: £39902.21 Now: £35677.70

DebtFree2012

I am now sub 35k I am really pleased with this (obviously!). So far this year it looks like this: (as you can see, the focus has come in the last few months and the ups and downs were due to shuffling to 0%.)

29/01/2014 £39,302.00
12/02/2014 £39,157.00
10/03/2014 £39,139.00
22/04/2014 £37,937.00
25/05/2014 £38,036.98
25/06/2014 £37,379.30
25/07/2014 £37,924.45
25/08/2014 £37,538.44
25/09/2014 £36,517.05
25/10/2014 £35,677.70
25/11/2014 £34,834.33

cazmanian_minx

Woohooo!! Looking good

DebtFree2012

Thanks Caz

Sooo I am reporting both DFD's for a while as one is realistic and one is hoping. I generally live in a dream world so why not have my dread DFD on there too? 847 days is March 2018 I think I said, and will be some hard graft to get there but if willingness alone would get me, there then I would be done tomorrow.

I didn't think I was going to get any work last night but I got a nice length file in right at the last minute, but in was complete contrast to the night before. The woman I had to endure was the most irritating woman I have heard. I was tearing my hair out and if I hear the words 'like' or 'sort of' any time soon, I shall cry!

I've signed up for weekend work as normal so let's see if anything comes through. This month I may be on target for £300 from them which is going straight to Xmas as I said, BUT if I can keep that up, sendiong £300 extra over to the CC will be a very rewarding feeling.

Xmas decs up at the weekend, both at home and the yard I have kids, that's my excuse!:T

LAM2011

Well done on passing the Horsey Exam


When will do the next level - is it an annual exam thing?


You are doing well with your debt busting - it always seems slow at first but the important thing is that you are improving the situation and increasing the debt. x

DebtFree2012

Hiya Lam

It's the B H S [EMAIL="St@ge"]St@ge[/EMAIL] One that I did so will do 2 next. You don't have to renew (those ones) but I think later down the line there's some that you do. 2 is apparently a step up on the difficultly scale so I need to put time in for that. I do feel like the debt reduction has started to pick up the speed in which it's paid now, tho this month won't be as good due to xmas.

I've been thinking, this morning, as you do. Next year my challenge is going to be to pay off the CCV. That will be maybe 2 month's earlier than I had planned and will be very hard to do, but will stand me in good stead for my DFD if I can do it. So 2015 challenge sorted. I shall break it down into bite size bits though. It may also be the title (all be it boring) for my 2015 diary

DebtFree2012

:oI've just worked out how much I will have to pay each month to manage that:cool::(

:think::coffee:needed

DebtFree2012

Good Afternoon diary land.

Just popping in to say hello as really busy today. I have my work focussed head on and feeling extremely motivated. I purchased some xmas gifts at the weekend so waiting for that to show on the account. I've moved some money around to allow for it and also invoiced for Job 2 today so that will be here within 2 weeks.

No extra payments going out this month.