My so called friend MR DEBT only has 36 months left to live

12_month_challenge

:j:j Monthly payment made to target CC today:j:j

Totally sticking to my snowball payments. This is the first CC I am targeting to pay off first and where my overpayments are going.

The others will start to come in within the next 2 weeks. Bring it on. :T

I am finding that having my snowball account as I call it is very helpful. As soon as the statement arrives I have the funds ready and I pay my planned payment according to my snowball. Therefore giving me another whole month to get my payments ready for next month. I know how much I need and roughly when I need it.

Please let this positivity and organisation continue.

Keep going all
x

pennystretcher

12_month_challenge wrote: »

I have just done yet another snowball and it shows my debt free day as Sept 19 :eek: and that is really pushing it. It means I wont be able to have a night out until i'm 53 :rotfl:

Look at it this way - when you get to your DFW target date, you will have cut down extra spending and hopefully it'll be a habit then. Once you have no debt, you can then start chucking money at pension or savings.:cool:

in_need_of_direction

You do realise you're close to having killed 10% off that credit card?

12_month_challenge

in_need_of_direction wrote: »

You do realise you're close to having killed 10% off that credit card?

Thanks INOD I hadn't looked at it like that

Maybe I will look at setting 10 % targets on it. Thats an idea :idea:

Payday tomorrow so lots of juggling money around and organising budgets etc :T
x

12_month_challenge

Morning all Happy Friday 13th :eek:

PAYDAY TODAY :j
Most of weekly budget done just need to do shopping must keep within budget if not below

Managed to add some to EF

Got paid early so must wait till monday for direct debits to go. Have moved most of our money to a different accpunt so OH doesnt go to the bank and think :T were rich lol. Will shift it back on Sunday
This means im not 100% sure how much we have left after bills paid etc. At least they will be paid for another month. Then on to CC snowball payments.

Have a good day all
X

Popstess

12_month_challenge wrote: »

Morning all Happy Friday 13th :eek:

PAYDAY TODAY :j
Most of weekly budget done just need to do shopping must keep within budget if not below

Managed to add some to EF

Got paid early so must wait till monday for direct debits to go. Have moved most of our money to a different accpunt so OH doesnt go to the bank and think :T were rich lol. Will shift it back on Sunday
This means im not 100% sure how much we have left after bills paid etc. At least they will be paid for another month. Then on to CC snowball payments.

Have a good day all
X

Hiya 12month :hello:

Woohoo pay day!!!! :j mine too feels like it's taken FORVEVER to get here!!!

how much is your budget for your weekly shop? Mines £50 hoping I can stay below this week though because I've got a few bits and bobs from last weeks shop left and I have quite a few frozen meals (I've been cooking a meal for 4 and freezing the left overs 2 or three portions at a time)
Good luck this month a fresh new debt busting month lets smash it!!!!! :money::beer::D:T

12_month_challenge

Hi Pops

Yay payday although I hate getting paid early because I like to know that my direct debits are paid. my bank must think 'hang on a minute shes got too much money' :rotfl::rotfl:
Come Monday it will be back to normal and penny pinching
At least bills will be paid.

Anyway I try to budget £50 a week for shopping. I saw a discount for Morrisons delivery spend £50 get £10 off. I thought I will have some of that. What a surprise, EXPIRED :mad:

So plan B will be to take a shopping list to aldi,Lidl or asda tomorrow and stick to it like glue.

Hows it going at your end?
x

12_month_challenge

Well done on your meal organisation
I still need to get into this one.

Popstess

I've just put quite a long update on my thread so won't bore you by repeating it all on here. But feeling a bit more in control.
Haha I know what you mean about the bank this is the first time my pay has gone on and I actually have cash in the bank usually my overdraft swallows it up like a black hole!

I've never been one to meal plan but sinse I've started debt busting I've got serious with it and I'm loving it.

How are you doing with Christmas? I've bought the odd bits and bobs but I'm trying to streamline it major this year!

12_month_challenge

To be honest my 2 are grown now but are still at home. I tend to feel guilty if I dont spend alot on them and they dont have quite a few prezzies. . Maybe I still think like when they were young.

I dont have any family to buy for so really its just us. Stopped buying for nieces,nephews etc once they grew up as it just gets silly, money wise I mean.

I have already got mother in law a gift card and my nephews son a gift card also. DDs BF and sons GF will only have something smallish.

Which leaves my DD and DS and OH.

I am not really one for Xmas I get miserable and moody. OH says whats new :rotfl: