Pay ALL your debt off by Xmas 2017

Sparrow123

# 56 checking in

Evening all,

Been a crazy month with my car breaking down and costing just short of £600. I was so gutted then a kind friend of mine gave me the money for my birthday. I really didn't know what to say and in truth didn't want to take it but he said he knows how much I struggle and wanted to do something good. So humbled.

Anyway that means I'm back on track and even best I have just applied for a 0% credit card and been accepted. Meaning I can transfer that horrid 20.9% card to one which I'm not paying debt on.

Guys its so great to read how well you are all doing and for those who i can see are struggling, keep going you are all doing amazing and should be very proud...:beer:

Original Debt £14,000
Jan 2017 £900 - £9400 - 10% paid

MrsMck

Hi everyone,

Been reading some positive posts! Well done :T

I was wondering if you could help or point me in the right direction please. I've seen some of you lovelies mention YNAB. I've signed up for a months trial. It works on a calendar month basis, but I get paid on the 20th of each month, so my question is.. will it eventually even itself out and fall in line after a couple of months? Or will it just not work for me? At the moment it doesn't seem to work *-

kirtsypoos

Morning all,

#006 checking in with £1768.22/£10000 please muppets

JWPopps

Hello!!

£500 paid this month so...

1932.17 paid of 8280 - 23% !!!!

chocoholicqueen

Just paid £56 off CC3 and now it has gone very happy about that.


#30 £1424/£6000

new_leaf_88

Hi everyone

Another payment of £165.45 for me bringing my total to:

#135 £235.45/£14000

Hoping to make another small payment before the end of the month.

Good luck everyone

DreamerHelen

Sorry for being absent...been a rough time of late...But today is a good day...so fingers crossed!!

Another £15 paid off....I have to get a move on really...I'll get there...

jayII

MrsMck wrote: »

Hi everyone,

Been reading some positive posts! Well done :T

I was wondering if you could help or point me in the right direction please. I've seen some of you lovelies mention YNAB. I've signed up for a months trial. It works on a calendar month basis, but I get paid on the 20th of each month, so my question is.. will it eventually even itself out and fall in line after a couple of months? Or will it just not work for me? At the moment it doesn't seem to work *-

Hi MrsMck. Once you get to the stage where you can allocate your pay to 'next month's' income, it will work fine. I get paid slightly later than you, so when my money comes in at the end of this month, I will allocate it to 'income for March', and it goes into March's spending categories.

The ultimate YNAB aim is to always be a full month ahead (so Feb's pay is allocated to April, etc), but I've a way to go before I get there.

I hope that makes sense.

WantToBeSE

#122 paid £150

I had to resort to using my CC this week...so this amount covers what i spent.

Anything extra will be actually paying off the rest.

kirtsypoos

Morning all,

#006 checking in with £1778.22/£10000 please muppets