Pay ALL your debt off by Xmas 2015!

32b3in2013

Good morning

I am off. an ebay seller just paid so I have paid the total off of the loan.

Total now #56 £42.50/£4315 - 0.98%

I will be clearling out my bank account later as its payday tomorrow, so I will be back than

32b3

Ccarter

Rejigged some finance this month so another overpayment to loan today :-)

#027 733.16/4535.13

astrid35

Pablosammy wrote: »

Wow! Loads of newbies, lots of old bees, and a plethora (I love that word) of payments already. Together, we've already past the £10,000 and it's not even 2015 yet! Well done everyone!

Wow what a tally and it's not even 2015 yet! :j

Update from me to get off the starting blocks before the new year.

#5 £221.25/£3850.85 (5.7%)

Pablosammy

Thick and fast, keep them coming guys! Well done everyone, payments updated.

Pepperoni

Well done to everyone so far!

Those that use YNAB will understand my pain here...

Our laptop that I configured it all from has died! No back-up! So having to start afresh (hey, could be a lot worse, we could not have another laptop to use and have to fork out for that!).

It means that I've tried to remember where all the money should be etc and hopefully that will be OK... but I seem to have a bit more money than I did on the previous version so I'm thinking something is likely to pop up that I've forgotten about! But in the meantime I'll put some to debt busting! (#44) Another £39.40 (just to help with your OCD Pablosammy and round it to an even number!)

YNAB aside...

Had been planning to build up a new sofa money pot over this year and talk OH into agreeing ours needs replaced next year. Got some post the other day that included a leaflet for DFS and suddenly we found ourselves yesterday at the sofa shops looking for a new sofa and chair! We didn't buy anything but have been talking about replacing ours sooner rather than later. Light-bulb moment FAIL? Maybe we can justify it if we save for it first alongside our debt repayments...

Anyone else seem to be going all out to debt bust then suddenly just flop?! Its typical of us.

Pablosammy

Pepperoni wrote: »

Well done to everyone so far!

Those that use YNAB will understand my pain here...

Our laptop that I configured it all from has died! No back-up! So having to start afresh (hey, could be a lot worse, we could not have another laptop to use!).

It means that I've tried to remember where all the money should be etc and hopefully that will be OK... but I seem to have a bit more money than I did on the previous version so I'm thinking something is likely to pop up that I've forgotten about!

YNAB aside...

Had been planning to build up a new sofa money pot over this year and talk OH into agreeing ours needs replaced next year. Got some post the other day that included a leaflet for DFS and suddenly we found ourselves yesterday at the sofa shops looking for a new sofa and chair! We didn't buy anything but have been talking about replacing ours sooner rather than later. Light-bulb moment FAIL? Maybe we can justify it if we save for it first alongside our debt repayments...

Anyone else seem to be going all out to debt bust then suddenly just flop?! Its typical of us.

I thought YNAB makes you use Dropbox, so all your data will be saved remotely? Or if not, can you get someone to restore your hard drive? Whatever happens, make sure you use the Cloud Sync feature next time

With regards to the sofa, getting it NOW seems like a good idea, but imagine the monthly payments coming out every month for the next year or two, and the regret each time you see it. I've been there so many times... do a bit of debt clearance, feel good about my finances, end up getting more debt, feel bad again... It's a vicious circle. So, to paraphrase my mum... "Just be careful!" :rotfl:

Pablosammy

Pepperoni wrote: »

But in the meantime I'll put some to debt busting! (#44) Another £39.40 (just to help with your OCD Pablosammy and round it to an even number!)

:rotfl::rotfl::rotfl:

Pepperoni

Pablosammy wrote: »

I thought YNAB makes you use Dropbox, so all your data will be saved remotely? Or if not, can you get someone to restore your hard drive? Whatever happens, make sure you use the Cloud Sync feature next time

With regards to the sofa, getting it NOW seems like a good idea, but imagine the monthly payments coming out every month for the next year or two, and the regret each time you see it. I've been there so many times... do a bit of debt clearance, feel good about my finances, end up getting more debt, feel bad again... It's a vicious circle. So, to paraphrase my mum... "Just be careful!" :rotfl:

I can't recall what happened with DropBox, I think I had it and it was just being irritating and popping up constantly no matter what I was on etc so I somehow managed to configure it so that it didn't back-up!

I know exactly what you're saying and its sort of why I'm holding back a bit. I can't imagine how wonderful it will feel to go in and pay and thats it done with! Our credit card debt is from our honeymoon and although I had the most amazing time, I hate that we are still paying it off nearly 2 years later. I promised myself that I'd clear the debt and buy everything with pots of saved money so I must resist temptation!

amr547

i will finish paying for my sofa suite in feb/march, we took out the finance in 2012!! so 3 years. next time (if there is a next time- i love this suite!) we will buy outright haha.

lynneee

hi all! Please can I join you? I have done various challenges on various different boards on here, and I do find then amazingly helpful! I think I have about £13,000 :eek::mad::eek:

So I in the next few days I will be sorting out our finances when hubby and I get the chance to sit down properly together and work out exactly where we are at. I am very lucky that hubby is supportive of my challenges and we work well as a team. So fingers crossed we can be very successful!

Happy New Year everyone! Here's to a successful year!:beer: