Working towards being debt free and a new house.

dipdap

Best Christmas present for this year.
I've just paid the barclaycard off :j
3 more credit cards to go :j

bubbs

dipdap wrote: »

Best Christmas present for this year.
I've just paid the barclaycard off :j
3 more credit cards to go :j

:T:T:T:T woooohoooooo well done :j:j:j:j
I told you , you would get there soon and you are:D:D

dipdap

bubbs wrote: »

:T:T:T:T woooohoooooo well done :j:j:j:j
I told you , you would get there soon and you are:D:D

Slowly but surely :j
That house seems almost within reach now :j

dipdap

Hello diary
Happy New Year's Eve
Am going to pop I to town today and deposit the contents of our shiny coin pot (think there's about £150 in there :j )
Spent a fair bit of money in the next sale at the end of last week so the coins will make up for that.
Got contracts from both estate agents, who seem to be fighting for our business now (never sold a house before so this is all really weird to me)
Hopefully I should have a few spare quid to chop a small amount off one of our cards, should bring our total debt down below £22k :j

dipdap

Well diary, the year is nearly out
I cashed in £100 from our shiny coin pot (I just can't bare to part with all those funky £2 coins in there that may be worth a bit more than £2
Used some of the money in primark on kids clothes in the sales and paid a little extra off one of the credit cards.
I'm gonna grab my book and list on here a breakdown of what we owed on this day last year, can't believe how much it has gone down by :j

dipdap

---

2013 2014

Loan #1

---

12,464 9,976
Loan #2

---

8,282 5,400
Car loan

---

1,403 gone! :j
CC #1

---

4,710 gone! :j
CC #2

---

1,670 920
CC #3

---

3,820 2,100
CC #4

---

1,947 3,600 (there's a BT involved)
Store card

---

165 gone! :j

Total amount owed 34,461 21,996

I make that over £1k per month average knocked off :j
Some months have been better than others but as an average I'm really pleased with how we've done :j:T:j

black_cat

So you should be pleased! Happy New Year :beer:

dipdap

Happy new year diary :j
Thanx for reading black cat, wishing you a fantastic new year too
I had a good read of a few diaries last night and saw so etching called PAD.
I may have to give it a read, looks like my kind of thing
Can't believe my confidence and motivation is still high since I've started my diary :j
Money has become less tight in the last 6 months. We treated ourselves to a lot of nice food over Christmas and the new year (small bonus from work paid for half of it :j )

If we sell and move house this year as we expect, we will be DF in about 6 months :j ( although the mortgage will be high)

Happy 2015! :j

Dobbibill

I love how you have broken the achievements down and you have done absolutely fab, you should be so proud of yourself :T well done!!!

Lots of lovely plans to look forward to in 2015 with the house move and being DF in 6 months so I just wanted to pop in to wish you a happy & healthy new year.

DB

dipdap

Hey DB, thanx for swinging by, wishing you all the best for this year too

First day of the year and I've been a bit naughty, spoilt myself (well the house really) and bought a gorgeous rug from next in the sale (was down to £49 from £99).
It'll tart my lounge up nicely and I've never had a posh rug in this house so I'm super happy.
Just got to keep the kids, food, dirty shoes and felt tips off it now as it's white :eek: :rotfl: