Small loan but want it gone!

Whoknowskt89

Hi all!

I thought I'd join to see if I can make sure I keep up with my target to get my loan cleared within a year.

I started the loan last may, opening balance of 3205!
Was meant to be 36 months but I'm down to 18 months and 1760 left already!

I use to spend around £1.80 a day on cold drinks at work and more if I forgot my lunch which was a regular habit.
I've now started buying crates of cola and just take them into work with me now.
I know I could save more by buying cheaper drinks/drinking water or buying 2litre bottles but the work fridge is pretty small and I'm not in enough debt to make me change my life style completely.

There's a possibility of a temp promotion at work and if I get one, the extra money will be used to go straight to the loan apart from 1 planned treat of a tattoo.
If this happens, even with the tattoo the loan would be cleared in around 6 to 7 months!

Wish me luck!

Edit: 22/02/17

Goals for next few years....
Pay off loan by 2017 - 1566[STRIKE]1455[/STRIKE]/3205
Up emergency fund 668/2000
Don't touch premium bonds (500)
Save for selling / moving fees 0/7500
Save for diy/furniture etc in next house 0/8000
Try to overpay the mortgage a little bit 0/2000

Bobarella

Good luck

Scott_Weiland_2

what tattoo design do you fancy getting

Whoknowskt89

It's a pentagram and triquetra all in one design.
Not something that will cost an arm and a leg thankfully

Scott_Weiland_2

i say this anyone getting tattoos how will it look when your 60 year old and lying on a beach with your shirt off lol

I have 4 one from a drunken trip away i got lazered off

Whoknowskt89

I have 2 small tattoos from when I was 18 (now 27) still happy with them. Plus so far the locations are areas I probably won't be able to see when I'm 60.... And they're all coverable with a sleeveless top in case I ever get a job that doesn't like tattoos

Whoknowskt89

Managed a NSD today! Woke up late but I still made food for work and had to go and pick an up EBay order from Argos on the way home but despite being right by shops I ignored the temptation.
I was invited out to the pub/club with some friends but decided on a quiet (free..) night with the cats.
I think my weekend will consist of making some clothes and tidying my flat up.

Pay day is in 11 days and I'm hoping to have enough left over to pay off more of my loan.

Bobarella

Well done on your NSD!

Whoknowskt89

Thanks Bobarella

I've decided I must start using what I have in up, I've probably got enough food in to cover for the next month excluding drinks and fresh stuff.
I'm one of those that only drinks cold drinks and I rely on cola to get me through a work day.
So instead of going to the shop and buying bread, I've got a loaf being made in my machine so should be another NSD for me!

Bobarella

I'm on the opposite journey to you at the moment, I'm trying to build a two week food pile to get me through a bad patch if one arises.

Ladykernow

Good luck! All the money saved on not buying something adds up.