Pay ALL your debt off by Xmas 2015!

littlebitbonkers

Can I join in please? Total debt (as of 01/01/2015) is £2674.03 which WILL be paid off before Christmas. I am utterly determined to do this, as I'm sick and tired of throwing every spare penny at it and having nothing left to have fun with.

IrishRose12

#66 dropping by to add another £20 off my total. Again not much but at least it's something.
I'm going to be getting a little extra in my pay for the next 2-3 months so hopefully will be able to pay a bit more off for the next 2 months

I currently stand at £56/£1700

Pepperoni

amr547 wrote: »

wow. anyone else often do a monthly bbudget and then think to themselves, where does all that spare cash go??!?!?!

in my case, probably on takeaways.... but hey, at least i can keep an eye on it now:eek::eek:

YES...

And I don't think I've ever stuck to a budget properly either

It probably doesn't help that I do it and then don't share it with OH as don't want to be controlling with what is equally his money... so he may have stuff coming up that he's forgotten about etc that never makes it into the budget.

We are terrible with our food budget, I absolutely *must* start food planning but everytime I start it I'm like urgh, can't be bothered thinking about what I want to eat in a weeks time!

If anyone has any budget tips do share

Dizzy_Imp

Morning lovely fellow DFWs...

Checking in with my next payment this month - £350 off my B/C - hurray!

#85 £1269.26/£25,000, which I think is 5.07% :j

Being really motivated by you all - thanks and keep up the good work x

BodieGirl

Update for me this morning

# 72 £196.03 / £2733.00

Have a great day guys! I'm off to list some old shoes on Ebay so fingers crossed I make some pennies

pinkgiraffe2014

I have £70 from things ive sold ready to go towards the debt. I'm not updating my totals though until its banked and paid off the next account. It was £75 but I'm taking DD to one of those indoor play centres this morning. I'm hoping that she can run around there and tire herself out so hopefully I can spend a bit of time this afternoon listing things on eBay and gumtree!

I've also decided that if I come in under budget on the weekly food shop then the difference will be paid off one of the debts. Normally it would be frittered away on nothing.

amr547

Pepperoni wrote: »

YES...

And I don't think I've ever stuck to a budget properly either

It probably doesn't help that I do it and then don't share it with OH as don't want to be controlling with what is equally his money... so he may have stuff coming up that he's forgotten about etc that never makes it into the budget.

We are terrible with our food budget, I absolutely *must* start food planning but everytime I start it I'm like urgh, can't be bothered thinking about what I want to eat in a weeks time!

If anyone has any budget tips do share

Our food budget is one of our biggest expenses too, and the cars!, we have two

I have found it helps if I only pay for food shopping with a separate bank account as It means I can control what I'm spending. Also really think about what you need for that week, roughly, and don't go buying stuff for the sake of it, I find it helps keeps costs down!

lynneee

Morning all, everyone is doing so well! No more payments to report, but I have had a very frugal week so hopefully this will help at the end of the month!

lynneee

Pepperoni wrote: »

YES...

And I don't think I've ever stuck to a budget properly either

It probably doesn't help that I do it and then don't share it with OH as don't want to be controlling with what is equally his money... so he may have stuff coming up that he's forgotten about etc that never makes it into the budget.

We are terrible with our food budget, I absolutely *must* start food planning but everytime I start it I'm like urgh, can't be bothered thinking about what I want to eat in a weeks time!

If anyone has any budget tips do share

I hate meal planning as such, it seems crazy to say next Monday I will feel like eating...cos I never do and always change my mind! So my freezer is my most helpful tool in my quest to keep my costs down. (Family of 5, monthly food bill of about £250). I freeze as much as I can to keep waste to a minimum. I only do a big shop about once every 3 or 4 weeks, spending £150, with small top up shops for fruit and veg and bread and milk totalling £100 ish. The less often I go to the shops, the less I spend. I used to spend about double what I spend now, so it works for me. I also ensure that any left overs are saved for another meal, e.g. spag bol mince ends up as a jacket potato filling the next day etc. No idea if this will be useful for you but it's just what works for me!

Pepperoni

Thanks for the tips guys! Definitely things to take on board.

Just had OH on phone to virgin RE the cheque that we never cashed. They said they can't do anything? That they sent a cheque and closed the account and thats that. Does that seem right? OH said we misplaced it (we haven't - its out of date and we can't cash it!). I'm wondering if he'd just said the truth (not sure why he didn't) whether they'd of let us return this old one and then replaced with a new one... Its from December 2013!