Pay ALL your debt off by Xmas 2015!

spiritless

£100 more paid off tonight


Total to date:


#103 £1190/14128 8.4%

Philae_2

Hi everyone

Quick flying visit to update payments (first week of a new job and I am completely knackered! Bed time is 8pm these days lol)

Paid another 92.83 off meaning

#68: 265.49/3587.86 7.40%

I have £134.92 left on one card and I'm determined I am going to hit that by pay day on 30th Jan!

lauradora

Hello all!


I would like to join this year please. This should be my last year of being a DFW!!


My target s £3,399.05


Thank you

My_Own_Little_House

Another credit card payment today so my total is now:

£1356.33 / £17557.13 8% :j:j:j

Not many more payments to go this month even though I'm weekly paid... I'll get some more things listed on ebay though and see if I can get some more pennies in.

Hope you're all doing well :A xxx

Pablosammy

luckystarr wrote: »

Hello Everyone...

Would I be able to join the challenge. even though I am little late to the party.

My total is £8000.

Thank you

luckystarr

lauradora wrote: »

Hello all!


I would like to join this year please. This should be my last year of being a DFW!!


My target s £3,399.05


Thank you

Hi guys, welcome along! I'll get a number assigned to you tomorrow. :T

luckystarr

Thank you Pablosammy

Has anyone got any tips they can give me to get this debt down ??

Thank you

Pepperoni

rubywhatashmoo wrote: »

Of course it sucks to be using so much money now to be paying things off but just think how you'll feel this time next year

Thats exactly how I feel and I'm sure many others do too. I hate that my income now is going to a debt for something that has been and gone and I'm getting nothing from anymore :eek:. Can't wait for it to be cleared!


So I have somehow got myself in to -£150 figures in YNAB. A little extra spend on food (as per, grrr), unexpected present (long story but this spend is one thing I will not regret), and god knows what else. I think once I see a - figure in my YNAB budget and no money to move to cover it I seem to fall into the 'already blown it' and do more damage. Means that when I'm paid at the end of the month its £150 less to the debt.... just need to make sure it doesn't end up anymore than £150 now....

Pepperoni

Maybe I need to do a 'this isn't budgeted for' category and record any spends that fall under that there - its hard to track spends you had originally not planned for otherwise as I just tend to move money around from other categories to cover it, and the spend falls under the relevant category with everything else.

Fmess

Pepperoni wrote: »

Kittycat - Hope the test results come back clear x

Everyone talks about these spreadsheets that they play around with all the time.... what does your spreadsheet involve? I have something basic but all of yours sound so much more fun :rotfl:

I have two spreadsheets. One for spends, I have one worksheet per month with all the direct debits listed at the top and then some columns across to put all the spends into categories e.g. personal, toiletries, petrol, savings, credit card, loan, charity etc. My second spreadsheet is my debt payments. I have a worksheet per debt and they read into a totals page, where I have totals per year and percentages, and that reads into a page with pie charts to show me my progress overall and per year.

luckystarr

Fmess - with regards to your spreadsheets are they Excel sheets or the YNAB version ??

Thanks in advance x