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Pay ALL your debt off by Xmas 2018
Comments
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Morning all,
Little payment to spendy CC today so
#006 checking in with £881.66/£4000 please muppets:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0 -
#15 reporting in for Jan. Have decided not to include our kitchen on this. However, starting figure will rise as something hasn't come through on CC yet which should have (one of those charge it when we send it things and is over £1000 - will amend figure when known) In the meantime, I thought it best that I should actually start!
Figures will not drop much this month or next month, as we pay for the kitchen and tradespeople. Hopefully we can start to hit the CCs come March (and should know not long after that whether we owe Tax Cr people any money, or they owe us!!!)
Start - Target - This month - YTD
VW Finance (OH) : £9580 - repay £9580 - £302 302/9580 (3.1%)
HMRC (me) : £565.40 - repay £565.40 - £565.40 565.40/565.40 - 100% :j
PO CC (0%) (OH) - 3339 - repay all - 84.00 - 84/3339 (2.5%)
Hfx CC (0%) (me) - 3559.70 - repay all - 40.25 - 40.25/3559.70 1.1%
Kitchen (joint) - balance to pay = just under 20k, but have decided not to include
(+ possible after Apr when final figs known - Tax Cr)
Therefore (current!) target for year = 17044.10
Amount repaid in Jan = 991.65 (5.8%)
Any extra monies are being diverted to kitchen fund atm - once all of these are known and paid for (there are a couple of jobs which have contingencies built in as the price may be higher once state of things are known...:eek:) such monies will be paid to CCs (we are also saving £250/mth towards final payment for OH's car, due Sep/ Oct (can't remember exactly)
Thank you, muppets
xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200 -
Hello. #78 with a small payment of £9.50
Total is £162.50/2494 approx 6.5% paidWhen life throws you a curveball, learn to catch it and throw it back! Feb Grocery Challenge/£1000 -
Ugh. Miscalculated my debt!
#127 £8000 ��NSD Jan 5/10
6780/10721
[URL=“https://forums.moneysavingexpert.com/discussion/5820438/becoming-debt-free-is-hard-work#latest”]my debt free diary[/URL]0 -
Checking in again. Really focussed on this hence almost daily updates!
#145 £4102.54 / £19261 (21.30%)0 -
Everyone is doing really well, especially as January is a really tough month.
Have been making payments to my debt every day (Love the PAD thread) so my new total is £587.54/£4947.40 #890 -
Have been MIA due to exams but my focus is now back on my debts. £40 payment takes me to
2235.88/7445.69Change the way you see things and the things you see will change0 -
Hi all another £150.00 paid off the debit, getting there slowly.....
New total below:
#008 is £300.00/£10,0000 -
Evening all,
Little payment to CC today
#006 checking in with £891.66/£4000 please muppets:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0 -
#066 to report in £90 this month0
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