Pay ALL your debt off by Xmas 2015!

tracy6697

Payday today yippee! I've made a payment of £200 so my new total is:

#10 £500 / £3000

amr547

Congrats, mat_lock!

Did some more sums. Potentially +£210 better off by April pay day... Not too shabby!

Dizzy_Imp

£25 off Tesco CC and somehow have managed an additional £100 today to another card so very pleased with myself indeed

Hubby gets paid on Wednesday, so will be taking a gander again then...

I'm looking forward to seeing what the January total is for us all - Thanks Pablosammy for keeping track x

#85 £1584.54/£25,000 - 6.3% (I think...)

Mat_Lock

Dizzy_Imp wrote: »

Congratulations! Well done - fantastic achievement :j

I'm looking forward to when I can write the same. You must be feeling amazing xxx

It does feel unreal, had this debt since 2010 when I came back from travelling.

I did spend a lot more since then but always paid more off than put on. It just took a long time to clear. Buying the new TV last Summer also delayed debt free day by 6 months or so but it was worth it haha.

So now on to saving as much as I can until I get in to mega debt with a mortgage :rotfl:

blubella

Morning all

Just been paid by my lodger so £46 paid to one CC.

#101 £260/£2000

Watching that total slowly go down

Nix143

Wow, wonderful to see the posts in here, they really motivate me.

So I've just used my 'free' council tax money to pay some more off the ruddy Next card.

Got to say that if nothing else this makes you hyper aware of what interest does - paying off 100+ and seeing the actual total of my debt because of interest not change as much as it should is REALLY motivating me to get that figure down as soon as possible. Just back from a weekend away so haven't had chance to do my budget for next month properly but wanted to start the week off properly. And the next mini goal is to get the total paid to 20%.

#131 £581.27/£3716.13 15.6%

Pablosammy

Kittycat1981 wrote: »

Hey everyone x

It's great to see so many payments being made and seeing everyones debt being reduced.

Its still a week away from pay day for me, roll on next Friday. January has been a very looooong month!!

Ive made £359 from selling so far this month- cant wait to transfer that from paypal to my bank, I've ring fenced it for our Argos card (which is the only debt we pay interest on at the minute) Argos will be paid in full by 1st march

Update on Hubby- We got his test results back, he got the all clear- not cancer or anything sinister. We are back in 8 weeks for a check up to make sure he is healing properly. Huge relief I can tell ya! Phew i can breathe now. I cant fault the NHS for his treatment, very fast and efficient.

Update on Son- hes not doing so great, still on a high dose of steroids and being seen weekly by the doctor, every time they lower the dose he becomes covered in the rash again. Im pretty livid with the immunology department, 8 weeks wait for an emergency referral- if i want to pay privately i can be seen quicker - by the same NHS doctor, in the same NHS clinic. No wonder the waiting lists are so long when NHS docs are doing this kind of work. I did look into paying for the appointment privately through Bupa, Spire or Nuffield private hospitals but they dont offer the testing we need within 100 miles of where we live. I wont pay privately to see the NHS doc and take up a space that someone on the waiting list needs. We will just have to wait our turn and hope for the best, if we have another episode requiring a 999 call and A&E attendance i will not be leaving the hospital until he is treated and tested properly.

Weightloss- I've done really well this last 7 days -some of it may be down to stress however, i saw a nutritionalist last week (he came to do a talk to my teenage boys rugby club regarding their diets) this meeting has completely revolutionised the way i think about food. I've lost 6.5lb in 7 days. Coconut oil is my new best friend as well as eating protein for breakfast

Cheers for the updates, Kittycat! Good news about the hubby, and frustrating news regarding the son. That's pretty shocking service by the NHS, but I'm starting to expect that sort of thing these days - they're underfunded and overutilised. It's impossible for us to even see our GP at our local surgery, they'll bend over backwards to get you to see a nurse instead.

Glad to hear the nutritionalist helped, I may have to look into this!

Hopingtobetotallydebtfree wrote: »

Hi can I join in?

Am a total newbie at this but will try to get it right

Total Debt £8306

Have paid a few extra bits today so £669/£8306 so far!

Of course! You're number 140 :T

Rachiedabbler70 wrote: »

Hello - I have a weight loss goal and am looking to shed two stone this year - have joined the old style weight loss forum, but I do very little exercise and I think that's mainly where my problem is so good on you with the gym - worth keeping up.:)
I did the 5:2 diet last year for 2 weeks and lost 7lbs, however I had to stop because I found on my low calorie days I couldn't sleep because I was really hungry during the night - sorry it's off topic, but if anyone has a solution to this be interested to know as it was very easy to follow.:D


Back on topic - Loan payment has gone out so current payments up to:
#058: £1,208.93/ £10,400 (11.62%)

Hey! My rule is if I'm hungry, I eat. However, it's WHAT you eat that defines whether you're being healthy or not. Mix in a bit of low-intensity exercise each day (training aerobically, lowish heart rate) and it's perfectly possible to lose plenty of weight without ever being really hungry. Starving yourself isn't sustainable, healthy eating and exercise is :A

freightexec2009

Mat_Lock wrote: »

Happy Monday everyone.

Today I am officially debt free. Payday today and just made all my final payments.

Payment for 2015 now updated in sig for the front page pablosammy.

Thanks to everyone on the thread, especially from the 2014 thread. Everyone on a debt free mission in 2015 good luck and don't lose your way even if times are tough. You can do this.

Congratulations!!! :j :beer: :j

Pablosammy

pinkgiraffe2014 wrote: »

Have just made another payment to the nxt account. This is now paid off in full!!! Can't quite believe it tbh. :j:j:j

So #115 = £607.94/4229

Woop! Great news, well done :T

mrskingandthescarecrow wrote: »

Hello, am I too late to join?

My New Year's resolution was to pay £20k off my debts this year.

Hi there, Mrs King! You can be number 141.

lauradora wrote: »

Payday was on Friday and have decided between us to make one last massive payment on my capquest account.

May leave us a bit skint but that's the last debt on my credit file that I've defaulted on so that's going to make a big difference to my credit rating hopefully soon

So checking in...

130 :xmassmile lauradora £435.00 / £3,399.05 12.79%

May still have some to knock off when I calculate my min payments also but we'll have to see......

Well done laura! Keep it up :T

Pablosammy

Mat_Lock wrote: »

Happy Monday everyone.

Today I am officially debt free. Payday today and just made all my final payments.

Payment for 2015 now updated in sig for the front page pablosammy.

Thanks to everyone on the thread, especially from the 2014 thread. Everyone on a debt free mission in 2015 good luck and don't lose your way even if times are tough. You can do this.

:T:beer::j:T:beer::j:T:beer::j

CONGRATULATIONS! First past the post for 2015, I'll get you on the roll of honour on page 1. Here's your medal...



:T:beer::j:T:beer::j:T:beer::j