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Onwards and downwards...

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  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    (Not quite) End of month summary:

    Total debt:

    1. [STRIKE]£2,301.00[/STRIKE]/ £2,285.00
    2. [STRIKE]£8,388.00[/STRIKE]/ £8,334.00
    3. [STRIKE]£6,892.00[/STRIKE]/ £0.00 :j :j :j
    4. [STRIKE]£4,022.00[/STRIKE]/ £3,997.00
    5. [STRIKE]£2,380.00[/STRIKE]/£1,897.00
    6. [STRIKE]£4,586.00[/STRIKE]/£0 :j :j :j
    7. [STRIKE]£4,813.00[/STRIKE]/£4,784.00
    8. [STRIKE]£1,175.00[/STRIKE]/£0.00 :j :j :j

    [STRIKE]£34,557[/STRIKE]/£21,297 = 38.37% paid
    Debt savings target: [STRIKE]£19,320[/STRIKE]/£820 = 4.24% reached

    Emergency savings: £2000

    DFD - [STRIKE]December 2087[/STRIKE] April 2062 :eek:

    That payment has cleared the debt and knocked 9 years off my DFD :T :T

    I am so chuffed with that :D I only have 5 debts left now :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • retiredandskint
    retiredandskint Posts: 852 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud!
    That's absolutely fantastic jwil. You'll be debt-free before 2062 I can see it happening in the next few years. I hope 2018 continues seeing those debts going. What's the next f&f are you working towards?

    I wish you and your lovely family a merry Christmas.
  • AdventureWanted
    AdventureWanted Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    That’s fantastic news about the f&f being accepted Jwil. So pleased that they were able to tell you before Christmas. Also, 9 years off your DFD is brilliant. :T:T
    Hope you have a merry Christmas & happy new year. :santa2:
    LBM Aug 2017.
    Debt at LBM - £30,055
    Debt at highest - £43,148.59
    Current debt - £18,880.00
    EF - £1,000.00

    Challenges
    PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Brilliant news :beer: What a great Christmas present for you :j:j.... have a lovely Christmas XX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Amazing news :D So happy for you :A

    Have an amazing Xmas with little miss and little Jwil x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    retiredandskint wrote: »
    That's absolutely fantastic jwil. You'll be debt-free before 2062 I can see it happening in the next few years. I hope 2018 continues seeing those debts going. What's the next f&f are you working towards?

    I wish you and your lovely family a merry Christmas.

    Thank you retired :) I hope you and your family have a lovely Christmas as well xxx

    I'm going to just build up the fund again now I think. I'd love to clear the big one, but obviously will need a much bigger amount to do that. I'm just going to carry on with the token payments and try and save as much as I can. It would be nice to be below £20k though :)
    AdventureWanted wrote: »
    That’s fantastic news about the f&f being accepted Jwil. So pleased that they were able to tell you before Christmas. Also, 9 years off your DFD is brilliant. :T:T
    Hope you have a merry Christmas & happy new year. :santa2:

    Thank you. I'm so pleased. Hope you all have a lovely Christmas and New Year too xxx
    Chrystal wrote: »
    Brilliant news :beer: What a great Christmas present for you :j:j.... have a lovely Christmas XX

    Thank you :) I can't believe it. I hope you all have a lovely Christmas too :D xx
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    WannabeFree wrote: »
    Amazing news :D So happy for you :A

    Have an amazing Xmas with little miss and little Jwil x

    Thank you :) I hope you all have a lovely Christmas too :D xx
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,256 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    :j Jwil i'm so pleased for you, what a lovely way to start Christmas and 9 years knocked off your date blumming fantastic.

    I got a cheque through the post today I did the plevin thing with barc card and it worked :D.
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    pennywisepoundstupid wrote: »
    :j Jwil i'm so pleased for you, what a lovely way to start Christmas and 9 years knocked off your date blumming fantastic.

    I got a cheque through the post today I did the plevin thing with barc card and it worked :D.

    Thank you Penny - great news for you too about getting the cheque in the post - what a great Christmas present :T :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil wrote: »
    OMG My F&F has been accepted :T :T :T

    £1500 for a £4500 debt :j :j :j I'm going to get that paid straight away.

    What a Christmas present :D :xmastree::xmastree::xmastree::xmastree::xmassign::xmassign::xmassign:


    That's fantastic, what great news :T:T:T. I'm so happy for you :beer:.

    You'll soon be debt free at this rate :D.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
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