Back to being a DFW..AGAIN!

WantToBeSE

More good news!

After being told by the council earlier this year that my son would not be eligible for free school transport on the school bus, i have just been informed that we are!

Normally they refuse, as we moved out of the immediate area that they provide, but because we moved to be closer to my sons treatment teams, they have allowed it!

So that will save me about £48 a month Happy days!

WantToBeSE

I am aiming to clear this debt in no longer than 12 months. I was on another thread of mine, and worked this out:

So £8000/12 (months) = £666 a month that i need to put towards it.
That actually means that all of my surplus income WILL be going towards debt, with none left for fun. But i need it to take no more than 12 months, as my 0% rus out in November 2017.

*sigh*

I feel a bit disheartened to be honest. That means that all of my surplus income, PLUS MORE, will have to towards debt.

[Deleted User]

WantToBeSE wrote: »

I feel a bit disheartened to be honest. That means that all of my surplus income, PLUS MORE, will have to towards debt.

Personally, as much as clearing it in 12 months would be lovely. I think may be you're aiming too high? No wonder you feel disheartened :grouphug: have a dodgy hug. How about aim for half? Anything over that is a blessing?

WantToBeSE

PMO2, yes you are right. I think i am just going to aim to clear off as much as i can every month. There is no way i can pay of £666 every month, so its unrealistic to think i can clear it in 12 months.

I think i am going to tot up all my debt and add it to my signature and then do a proper plan.

WantToBeSE

Ok, I've totalled up my debt and added it to my signature. £7031.31..So i've paid off almost £1k already.

I've given myself 14 months to pay if off, to be DF (again!) by Jan 2018. That is only an aim though, and it doesn't matter if i take longer than that.

Bobarella

Wow you've done so well!!!

WantToBeSE

Bobarella wrote: »

Wow you've done so well!!!

Thanks Bob I hadn't actually realised how much I'd already paid off. I thought it may have been about £500, so am pleased that it's in triple figures!

littleskintdragon

Ive found your diary, im subscribing.
Well done, you're doing awesome 😃

WantToBeSE

Thanks Dragon

All is a bit quiet at the moment. Not sure how much i am able to put towards the debt from now to January..I'll try to put about £250 at a minimum, but we'll see!

littleskintdragon

Dont be disheartened, just do what you can in Dec. January is the perfect time for a fresh start. :beer: