Pay ALL your debt off by Xmas 2015!

Kittycat1981

We completed 16th March, the solicitor didnt call us until 4pm (we knew the completion was happening around 10am) it was a very long day- it was also my first day in a new job so couldnt use work to distract me (log periods of sat doing sod all) I hope you hear soon Mat_Lock and dont have a full day of waiting x

bogbrsh250

Friday means payday, wooo hooo. Another £110 off this week which means I'm within spitting distance of being within the target of getting to the £1000 paid off marker that I challenged myself to get to by the end of this month. Payday from my other job on Tuesday so may make another small payment then.

#151 915/4080

kirstydriver

Mat_Lock wrote: »

Thanks, sat here at work just waiting for things to happen

it could be a long day! hope you are not waiting all day!

elleJay42

After a sad week last week where I couldn't make any payments I get to make a whopping £239 payment towards CC2 today!


#050 £1785 / £4544 (39.3%)


Still on track to pay off this card by the end of the month... that's next Friday for me!

Mat_Lock

Still waiting mehhhh

nomi01

Really struggling to stay motivated. We have been told we owe money to tax credits, not a surprise as they have been taking payments already from previous years, but with change of circumstances we now have no payments to stop it from. Obviously, I have no objection to paying back what I owe but it means there is no way I will be debt free by xmas now. Feeling a little derailed.
I will update my new total soon.
Sorry for the moan.
Well done to everyone who is sticking with it.

Pablosammy

nomi01 wrote: »

Really struggling to stay motivated. We have been told we owe money to tax credits, not a surprise as they have been taking payments already from previous years, but with change of circumstances we now have no payments to stop it from. Obviously, I have no objection to paying back what I owe but it means there is no way I will be debt free by xmas now. Feeling a little derailed.
I will update my new total soon.
Sorry for the moan.
Well done to everyone who is sticking with it.

Hey Nomi. Remember Christmas is just an arbitrary point on a calendar some chap invented. Don't think you've failed if it takes longer. Set backs will happen (MOT fails, unexpected bills etc.) so it's important to keep trudging on. You'll get there sooner or later, and you'll wonder where the time went! Roll with the punches.

nomi01

Thanks Pablosammy,
I will stick with it of course, I wouldn't have got this far without this thread.
I need to be realistic about what is achievable, there are lots of things we need to spend on as well as pay off. Just need to find the right balance I think.

starnac

Hi all. Minimum payment went out on the loan today bringing the balance down by£159.70. Total so far:

#87 £2,663.61/£4,827.56 or 55.1%

Mat_Lock

Hey all, just checking in finally to say we completed at 3pm today. I went down to get the keys at 5pm and check it out...

All I can say is...the last people must have been living in dirt and grime. It is filthy, dirty, greasey, hairy (cats) and needs a lot of cleaning/painting. But thankfully that is all it needs.

So weird we didn't see any of that when we visited the flat while being lived in. Amazing what a sofa and living stuff can cover up in a flat.

Annoying we are visiting my partners nan this weekend so got no time to get in there and clean more.

In sadder news I just blew £700 on a washing machine, fridge freezer and wardrobe on the credit card. I will pay it off when we get deposit back on old flat hopefully. promise.