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

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  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
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    My emergency fund is stashed away in my on line savings account. No one knows its there and its my little secret.:D

    I am going to see just how much I can get it up to.:)
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
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    12_month_challenge wrote: »
    My emergency fund is stashed away in my on line savings account. No one knows its there and its my little secret.:D

    I am going to see just how much I can get it up to.:)

    Fantastic! It will get easier as you go along too. You'll find ways to roll more at it. It will be enormous!
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • AspiringButAnxious
    AspiringButAnxious Posts: 753 Forumite
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    Well done! My EF is a bit pathetic atm, but I'm hoping to build it up over the next few months... And then keep going in 2016 ;) I do like seeing savings add up :)
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
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    AspiringButAnxious wrote: »
    Well done! My EF is a bit pathetic atm, but I'm hoping to build it up over the next few months... And then keep going in 2016 ;) I do like seeing savings add up :)

    Keep adding to the EF it soon grows. I have been adding a little bit here and there and I actually have a small amount building up.. I don't even know how I have done it. Keep going you will get there

    Good luck :D
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
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    AND THERE OFF! :j

    The snowball begins

    I have just made my first payment on my snowball :) My first CC statement came in this morning and I even paid £245.00 over the minimum payment :eek:

    This is according to my snowball and I am going to pay this card down first. Then the next and the next and the next :T

    WOW I cannot believe how good that felt. Now I am really on a roll.

    Bring on the other statements.

    Sorry debt busters, Morning All :rotfl:
    I got too carried away
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Options
    Well done you!
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • AspiringButAnxious
    AspiringButAnxious Posts: 753 Forumite
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    Yay! Keep rolling the snowball ;) you're doing great!
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • Reb28
    Reb28 Posts: 12 Forumite
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    Sounds like you are doing really well, it does feel good when you start to make those snowball payments and can see some results doesn't it.
    You are doing so great
    LBM 28/08/15 16228.00 DFD 30/03/2022 01/09/15 16051.00 2% Paid
    79 payments to go
  • Bad_Panda
    Bad_Panda Posts: 35 Forumite
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    HI, I have subscribed.

    Feels good to take control and you are certainly doing that !

    :)
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
  • 12_month_challenge
    12_month_challenge Posts: 2,419 Forumite
    Chutzpah Haggler Car Insurance Carver! Rampant Recycler
    Options
    It so does feel good to be in control I hope it lasts :)

    I have another CC statement due any day so bring it on. I log in every day.

    My emergency fund is slowly building up but need to check again tonight for some more pennies to add to it. :j

    Hope everyone is OK and staying focussed on their debt busting.

    I have offers on my cards at the moment but don't really see there is anything I can do with them. It would mean me doing a 3 way transfer but this worries me in case whilst its going through they might snatch the deal back :rotfl:

    One of our cards has BT for 36 months but we only have a tiny bit of money left to play with. I need to sit with my trusted pen and paper and do some maths.

    Maybe its best to leave it alone
    SP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
    PDBX 2017 #2 = £1,200/£12,000

    ''If you want the rainbow, you gotta put up with the rain''
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