Pay ALL your debt off by Xmas 2017

kirtsypoos

Afternoon all!

#006 checking in with £1148.00/£10000 please muppets

kirtsypoos

Mofette wrote: »

In a quandary, I have enough money to pay off one of the credit cards in my ISA, which is gaining (small) interest, but I also have an interest-free period on this card until July. Do I pay off the card and have that amazing feeling of clearing it, or do I keep it in my ISA until the last possible moment to gain some tiny interest?
I feel like I need a decent pint to help me decide!

It depends how motivating you would find a zero balance. Personally I'd pay it off because I'm rubbish at keeping money in savings
On the other hand, how much interest will you earn and can you use it to pay towards another debt?

[Deleted User]

031 Deleted_User checking in for another update - Debt is now £8,884.67

Thanks
Dxxx

cmc_entertainment

#128

Paid £70 so far in Feb.

Creditors 13 / 14

Total creditors paid off: 1

MONTHLY TOTALS
Jan paid off: £1550 - 9.69% - 1 creditor cleared.

YEARLY TOTAL
Total paid off this year: £1620 / £16,000 - 10.13%

Creditors unable to comply with s77 request 1 / 2.

louby40

Paid off a bit more today after payday last week

£1100 from an insurance payout and £450 from wages.

Reckon I'll be debt free by July !!!!!!

swimminginaseaofdebt

Mofette wrote: »

In a quandary, I have enough money to pay off one of the credit cards in my ISA, which is gaining (small) interest, but I also have an interest-free period on this card until July. Do I pay off the card and have that amazing feeling of clearing it, or do I keep it in my ISA until the last possible moment to gain some tiny interest?


I feel like I need a decent pint to help me decide!

I'd pay it off simply because I'm itching to get shot off my debt!

Captain_Bluebear

Evening All!

Another DD has left my account today so that's another £53 off my total. (Just 2 more payments to go on that debt!....how exciting!)

So that's #66 £1,264/£2,889 Thanks Muppets!

Blue

FeelingPeachy

Carla1234 wrote: »

#68 here

I've had a very lucky month as had a couple of refunds due to me, but I also started using YNAB properly and I'm already seeing MASSIVE progress in just four weeks!

Total of £839.40 paid off this month, so my totals for Jan are: £839.40 / 6136.40

:j:j

Hi! Do you have to pay for YNAB? I've seen it being talked about but it looked like you have to pay?

FeelingPeachy

Hi. Finally off the starting block after rejigging my debts last month. First payment is that annoying hangover interest, so £25.92 paid. My first loan payment should come out in the next few days too

Total so far £25.92/£8302.47

Captain_Bluebear

YNAB is great Peachy!

Yes you do have to pay for it but it is well worth it!

I got a free trial last year for the old version but have now upgraded to the new version that cost $45 with the lifetime discount you get after the free trial. (I think! it was a couple of months ago that I bought it)

I takes a bit of getting your head around but it's an amazing tool.

I'm still a bit of a newbie with it so I'm sure others will be along in a while to give you more details. Just have a look at their website and youtube for a bit more of an idea. There is a thread on here but it is quite long!
Blue