Pay ALL your debt off by Xmas 2015!

abba1772

Happy Monday :hello:

Sent £100 towards the Argos card :T

Gives me a total of £6121.04 / £6000

Glittery_2

#211

£350 off Management Arrears - left myself with £4 until Friday, but have a fridge full of food and half a tank of petrol

£4189/£9600

Pablosammy

Morning all!

Payday today, and with a little overpayment on top I'm now at...

£14,501/£15,000.... or 97%!!!

:j:j:j

Nearly at my target for 2015. In fact, I could reach it tomorrow once I've done a few calculations as to whether I could pay off my whole First Direct loan, which would take me to 109%.

Still some way to go with the rest, but there is still the tiniest outside chance I could be completely debt free by Christmas...

Pablosammy

astrid35 wrote: »

:j:j:j
I am officially DEBT-FREE!!!!!

mossy wrote: »

:j I'M DEBT FREE, I'M DEBT FREE, I'M DEBT FREE!!!! :j

Thank you so much to everyone for being such an encouraging and challenging place. Sometimes I'd come on here and it would push me on to find another fiver!! Thanks pablosmummy for running the site!!

abba1772 wrote: »

Yey I hit my target for the second time this year :T:j:T:j:T:T

Woo! Well done all three of you! Medals will be produced in due course...

I do, however, take exception to being called 'Pablosmummy', mossy! It degrades my masculinity. :rotfl::rotfl:

Pablosammy

Ok... sorry for the third post in a row, but I've just transferred £1000 to First Direct, which isn't fully paid off but will be soon. That takes me over my year's target! :j

Also, I got a letter from the Student Loans Company saying I am nearly paid up, asking me to change to Direct Debit. Nearly there!

New total...

£15,503/£15,000 103.4%

mothernerd

#24 mothernerd £96.84/ £9790.20
Declaring for the year and bowing out of this challenge for now. Sorry to bring the thread down. Congratulations to everyone who has become debt free and everyone making efforts to reduce the amount they owe.

I have thrown everything I have at this debt but my 'up for sale house' has not yet sold (will not get income from sale this year). I have done a cash flow for the coming months and do not have enough to get through Winter. I have contacted Stepchange and am going to go on something called a TPP (Token Payment Plan). I will make minimum payments of £1 a month to my 4 creditors either for the next 12 months or until the house sells (when I can pay them off).

I have started the last 3 months without any money for food after the bills and cc minimums had been covered. The plan will mean I start with bills covered and money for food and will give me a breathing space to build an emergency fund, return to full health (fell over in a chair whilst gardening and couldn't get up by myself plus lots of minor ailments which meant my flu jab had to be delayed) and get my business running properly again (profitably even?).

Good luck to you all on your journey.:T

mothernerd :)down but not out (will bounce back).

Pablosammy

Oh no, mothernerd! Sorry to hear it's not going to plan at the moment, but it sounds like you're taking great strides to sort yourself out. Well done for facing up to it, and things will gradually get better.

Good luck, and hopefully we'll see you in next year's thread x

Dizzy_Imp

Well done Pablosammy :beer: I think you deserve one of your shiny medals!

Mothernerd - sorry to hear you've really been struggling. Here's hoping you will get a buyer soon and things ease. Chin up hun and good luck with your business too xxx

#85 reporting in with an extra payment of £165 this week taking me to a new total of £32,795.27/£45,868.02 = 71%

Pablosammy

Dizzy_Imp wrote: »

Well done Pablosammy :beer: I think you deserve one of your shiny medals!

Mothernerd - sorry to hear you've really been struggling. Here's hoping you will get a buyer soon and things ease. Chin up hun and good luck with your business too xxx

#85 reporting in with an extra payment of £165 this week taking me to a new total of £32,795.27/£45,868.02 = 71%

No medal until it's all gone

mossy

Pablosammy wrote: »

Woo! Well done all three of you! Medals will be produced in due course...

I do, however, take exception to being called 'Pablosmummy', mossy! It degrades my masculinity. :rotfl::rotfl:

Ha ha ha, my bad...sorry pablosammy!! Any chance I can get away with blaming it on auto correct...

Excited about my medal, I've been looking forward to getting it since you made the first one!! :j