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Need to get myself together: The beginning
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You haven't paid off over £1600... you've paid nearly £1700!!! Well done! :TDebt as at 5 June 2023 - £15,600.89
Current debt - £5,935.00
Total paid off - £9,665.89 (61% paid off)0 -
Ha no way.
I park in Clydebank & jump the express bus (rollercoaster) it so much easier for me.
Dxxx0 -
Clydebank is where my sons sperm donor is from lol doesnt deserve title of dad lol have to be earned
x Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
Haha love it!!!
God I might know him - still think he is a jerk!
Dxxx0 -
Yeah you might know him lol or his family "Black" is the surname lol
Anyway
22 days until payday woo!!!:D and 16 days until tax credits come in
So cannot wait to just pay some more off before my holiday. I should be debt free by May 2016 according to my spreadsheet but I want to beat that lol so stubborn. xDebt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
Oh I love a spreadsheet!
Once you holiday is done you can just throw as much as you can to the debt & you are determined so you will defo do it.
I have a wee Gryffindor book I bought at Harry Potter World & it has all my bills in it & I would be lost without it!!!
I write everything down in there.
I will hopefully be following you into debt freedom by December 2016, seems like forever away.
Dxxx0 -
Once I come back I might not have as much due to the "lovely" HMRC lowering my tax credits by 200. But will see what I can do. I will be better off from August and my son starting school
x Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
At the moment it looks like I'll be debt free by July/August 2016 but ideally I'm trying to aim for May 2016 as it's my birthday that month and it would be so fab to have it all paid off by my 32nd birthday Mortgage 26.4.25 - £108,500 1.8.25 - £106,362.86
Mortgage overpayment savings - £3.33/£50
Mortgage overpayments so far - £675.980 -
We will aim Miss Tara to be debt free same time together next year It can be achievable so lets do this !!
Anyway 3 weeks until payday and 15 days until tax credits come in. I have the nursery write a lovely letter of confirmation what I pay them for HMRC. I will photocopy this and send this to them. Pains in backside sometimes lol!
Really want payday so I can just pay some more off.... how sad is my life haha updating the signature will make my day x Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
Woohoo its Friday. Meant to be going out tomorrow but thinking of taking my car and save money
20 days until pay day and 14 days until tax credits come in
Also posted the HMRC letter away to them and after it my dad says I should have had it recorded delivery... so bit worried now
! Will call them next week ensure they have received it though xx Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800
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