Pay ALL your debt off by Xmas 2015!

starnac

What budgeting app do you use RTB?

Ccarter

Pablosammy wrote: »

That's an ace little tool, I wish First Direct did that. Think of it as if you turned your £40 into £55! Your enthusiasm is infectious, keep it up :T I keep looking at YNAB and doing imaginary payments etc. I reckon I could fairly accurately predict my bank balance day by day for the next couple of months :rotfl:

I'm obsessed with imaginary payments and forecasts too :-)

Roundthebend_2

starnac wrote: »

What budgeting app do you use RTB?

I use an accounts app, called account tracker I think it is. It is a paid app, was less than £2 but it's saved me a lot of unplanned overdraft fees over the years. Plus it also makes reports for you to see where your money is going each month. I'm obsessed with it!

Roundthebend_2

Some of the reports it creates:

Harryspotter

Payday here so I've made a few payments. I am exhausted after doing some overtime but that money won't be paid to me until January or February unfortunately. I have paid £125 off my small Tesco card, £50 off the big Tesco card and £50 off m & s. So update is

#39 £225/£20108 1.1 %

Windofchange

Got a letter through the post today from HSBC. I don't usually look forward to receiving mail from them for obvious reasons, but opened it over breakfast. Turns out they didn't send me all the documentation that they should have done for my 8k graduate loan I took out three years ago, and as such they are obliged to refund me three years worth of interest! Just under a grand coming my way on the 29th December. Happy xmas to me! Will put some onto the debt repayment, but am definitely going to spend some in the sales :-) Good start to my weekend.

Roundthebend_2

Windofchange wrote: »

Got a letter through the post today from HSBC. I don't usually look forward to receiving mail from them for obvious reasons, but opened it over breakfast. Turns out they didn't send me all the documentation that they should have done for my 8k graduate loan I took out three years ago, and as such they are obliged to refund me three years worth of interest! Just under a grand coming my way on the 29th December. Happy xmas to me! Will put some onto the debt repayment, but am definitely going to spend some in the sales :-) Good start to my weekend.

Amazing news!!
Enjoy :money:

grassgirl

I do the local hospice lottery and had a letter from them yesterday, I'd won £50, nice one not cleared yet but when it has that'll all be going to pay off something, just deciding which yay

grassgirl

022 grassgirl £22.58 / £6,500.00 0.3%

Will get over 1% this month
Thank you x

Pablosammy

Windofchange wrote: »

Got a letter through the post today from HSBC. I don't usually look forward to receiving mail from them for obvious reasons, but opened it over breakfast. Turns out they didn't send me all the documentation that they should have done for my 8k graduate loan I took out three years ago, and as such they are obliged to refund me three years worth of interest! Just under a grand coming my way on the 29th December. Happy xmas to me! Will put some onto the debt repayment, but am definitely going to spend some in the sales :-) Good start to my weekend.

Awesome news, that's a nice Christmas present! The MSE head says put it all to debt repayment... but sod it, treat yourself :rotfl: A lad I work with has just had a similar letter, and the next day he won £500 on a scratchcard!

grassgirl wrote: »

I do the local hospice lottery and had a letter from them yesterday, I'd won £50, nice one not cleared yet but when it has that'll all be going to pay off something, just deciding which yay

Another nice unexpected windfall, lucky you :j

grassgirl wrote: »

022 grassgirl £22.58 / £6,500.00 0.3%

Will get over 1% this month
Thank you x

Good stuff! I'll update the list when I can.