Pay ALL your debt off by Xmas 2017

Miss_D_Meanour

Hang on in there Blackberry Curved.
Every bit you pay off makes you better able to cope with what life throws at you. Getting your card onto 0% is another step in the right direction and means every payment you make is 100% debt reduction.
You can do this

Miss_D_Meanour

All my repayments have gone out for the month, so that's a further £828.85 off the outstanding balances, bringing my total for January to:

#23 £859.85 / £8,100

Roll on January payday!

FeelingPeachy

You can do this Blackberry! My husband and I have around £20k to pay off between us, then we want to save for a house deposit (aiming for £20-£30k), all in the next 2 to 2.5 years - we re-did budgets at the weekend, I cried because we need to be so careful with money if we are going to get there. I'm 32 and OH is 35, so time is of the essence if we want to buy a house and start a family. What I'm trying to say is that I feel your pain, we are all in this big debt-busting boat together, even if it feels like we are the only ones. Keep going!

dktreesea

Blackberrycurved wrote: »

Thanks got the advice I've just dropped my card to 0%. Just sitting here feeling a bit depressed by it all. I feel like I'm on top of my debt but every time I make a bit of headway something comes along like Christmas, the car breaks or the cooker. If I wasn't paying these debts that would be my buffer I need a holiday and the only way is the cc then it'll kill me afterwards. Is there a better way am Zi doing something wrong. On s plus meal planning is saving me money.

You've got to pace yourself, otherwise you will end up so discouraged. We always mainly had business debt, just the last few thousand to pay off now. I am sure I could have paid it off at least two years ago if I went cold turkey on shopping and lived off baked beans and toast for months on end, but I decided instead I would still get what I needed.


If you need a holiday maybe hunt around for really cheap flights somewhere. If it were me, being in Edinburgh, I would probably go somewhere with Norwegian Air, because they have just increased their flights here massively, so if that were me I would be probably planning for a few days in Copenhagen in March, £29.60 each way:


http://www.norwegian.com/uk/destinations/Edinburgh-Alldestinations


If you're down south somewhere, Easyjet or Ryanair are probably even cheaper. People who live in Luton are spoilt rotten, lol:


https://www.ryanair.com/gb/en/


£14.99 each way to Barcelona from here though (Edinburgh), so well cheap and worth it.

dreamingofmoney

Hiya allpaymnets have come out and interest added for my three biggies of the month, still waiting for interest to be added to the old nxt acc and will add that one also so so far my total is
#81 £523.38/£7000
Many thanks for all the great advice on this board
Xx

pennies_from_Heaven

Hi all,
checking in with car loan payment, not many more to go on this one, as it finishes this August!! YAY!!


#74 - £231.06/£7000


Thanks again Muppets!

Megano

So I really wanted folks advise - Im not sure how many follow my diary but I currently work 3 jobs.
Now Ive just been told that the overtime train in W1 has stopped and might not be coming back. Ive been offered a cleaning job in the morning from 5am - 7am
Which means my day would look like 4.30 - 7 cleaning an office
7.15 until 8 cleaning a bookies
10-6 at W1 and if required 6.30pm - 8pm doing telephone surveys.
It would be Monday to Friday (on Saturday the bookies would be done twice once when it opens and once when it closes)
On paper it looks fine but Im just wondering if its all manageable

Zoel91

Another lot of eBay money just gone towards the debt, thats another £96.13 after paypal eBay =D
#077 - £770.91/£5532.04

cmc_entertainment

Hi.

Could i put a target of £16,000.

This includes all projected interest on approx £13,000.

Also to note paid £345 / £16,000 so far in Jan.

Current target is end of November which frees up Christmas 17.

Creditors 14 / 14

Creditors unable to comply with s77 request 1 / 3. Saving approx £600.

parsniphead

Megano wrote: »

So I really wanted folks advise - Im not sure how many follow my diary but I currently work 3 jobs.
Now Ive just been told that the overtime train in W1 has stopped and might not be coming back. Ive been offered a cleaning job in the morning from 5am - 7am
Which means my day would look like 4.30 - 7 cleaning an office
7.15 until 8 cleaning a bookies
10-6 at W1 and if required 6.30pm - 8pm doing telephone surveys.
It would be Monday to Friday (on Saturday the bookies would be done twice once when it opens and once when it closes)
On paper it looks fine but Im just wondering if its all manageable

I suppose it depends on travel between work places. They do sound like long days but if you feel its OK.I suppose you can just try it and see.