Need to get myself together: The beginning

abba1772

Whatever you're comfortable paying tbh .......can you reduce your overdraft as you pay it off????

monz

Thats what I was hoping to do x

[Deleted User]

Go with whatever is best for you chick.


No point paying off too much then not being able to see out the month.


Dxxx

monz

Thanks Dollyrocker!:)

Hope everyone had a great weekend! Nearly Christmas !

It is 4 days until I get paid. I will not count it until its 10 days away as we are getting paid early.

Done a pinecone research survey today so £3 is going to my 365 Xmas 2015 making it £20 now. Also still no where near £10 100 points short for ipsos lol come on :P x

monz

Updated my signature. I was not really doing the 52 week challenge as I know I would not be able to keep up. I messed around with my spreadsheets and decided to do 35 weeks as this would end before I go on holiday in beginning of April. I would raise £630.

With said money I have decided that £300 would go to loan (Can do this beginning February when I get to that amount:)) £250 will be money for me for America. £80 will go to overdraft payment. I shall start doing the 33 week plan where £300 will go towards my sons birthday/party (5 argh!!) and £261 will go towards the loan.

Again I hope I will stick to the plan x

Aloofdragon

Hiyas lovely forward planning and eeeeeeeeeek it's so close now isn't it..

I am going to do 26 weeks up and back haven't a clue how much it works out to be but I don't want to have a load of cash around whilst needing to pay debts off but will still have enough for Christmas and birthdays x

monz

Hey Aloof 26 weeks is £351 I follow it off my spreadsheet I am obsessed with haha!

Aloofdragon

O that's not too bad then £702 up and back x

abba1772

Well done on the forward planning xx

I joined the £1 a day challenge a couple of years ago then ended up setting up a standing order to go into my savings account then gradually every week I increased it til I got to £25 a week which it's still at now and it's great should anything come up that needs paying and we aren't scrambling to find a way to pay and tbh we don't miss the money coming out of the bank anymore xx

submarine76

It's always good keeping something back for the unexpected Abba. I try to keep 1k in the bank 'just incase', and currently feeling a bit guilty for spending a couple of hundered of it for christmas this year, but I am consoling myself with the fact that at least I've not put anything on credit (unlike last year).