Pay ALL your debt off by Xmas 2018

IrishRose12

no 57 checking in with my final total for January.

£515.27/£3000

I'm quite happy with that total at this stage of the year.

I'm now debating whether next month to pay one of my debts off with some of my savings, and then just keep the DD that I have for that debt going but into the savings account. I'll have more than double what's in my savings now by the end of the year if I do that and it'll encourage me to keep the saving going lol.

leimichellecat

#168 £1220/£11470

Monthly direct debits ready to come out in the morning. Rounded down the accounts to zero before payday but will send it in bulk at the end of the month to creditors (aka parents!!!)

BunnyB22

Hi Muppets

Final update for Jan18

]#121 Reporting £2112.65/£16,288.88

£71.62 Paid against Santander C/Card
£170.91 Paid against MBNA C/Card
£137.00 Paid against Tesco C/Card
£935.03 Paid against Overdraft

Another windfall this time from Halifax (£68.11) refund of overpayment of charges & interest from 2014/15
£3.52 cr Santander for Bill payments by DD

Feb'18 - With the exception of 3 days i'm on holiday in Feb, Flights/Car Rental pre-paid, Hotel payments saved plus majority of spending money/food/trips covered too. Maximised exch rate by using WeSwap Prepay Card & ordering cash using WeSwap & picking up on way to meeting in City.

I can't believe i've paid over £2k off in 1 month - feeling more positive Happy Days.

BunnyB22

Munchin

Hi Muppets,

#12 - paid £500 so I have paid £3768/£3768

I'm now debt free . I was part of the 2017 thread so just needed the final push in the 2018 thread. Thank you for these threads as they helped me become debt free .

klbooth

Munchin wrote: »

Hi Muppets,

#12 - paid £500 so I have paid £3768/£3768

I'm now debt free . I was part of the 2017 thread so just needed the final push in the 2018 thread. Thank you for these threads as they helped me become debt free .

Awesome news, well done!!!!

klbooth

Waiting somewhat impatiently for my unexpected tax refund cheque to clear to start making a dent on my total, not sure checking 5 times a day is going to speed that up, haha.

Payday this week too although car needs to go in to the mechanic for some loving this week, not sure how much loving it needs so will wait and see before spending all my pay on the CC debts.

abba1772

£3.73 sent towards the Halifax

Brings my total to £978.52 / £6000

sunshine81

Wow congrats Munchkin!

I've managed another decent payment this weekend so now I am at:

#145 £4814.03 / £19261 (24.99%)

Oh gosh just 0.01% to meet my target for this month!!!

Whatshername

DD of £49.52 plus additional payment of £66.21 so brings my total up to:


#064 £152.73 / £5000


Have amended my monthly payment from minimum to £50 a month. Not a great deal more but don't want to overstretch the finances at the moment but will pay extra as and when I can. Sales of items on ebay and shpock has been slow so hoping that this improves to allow me to pay more. Also completing the sealed pot challenge which will be paid towards this once declared on 1st Nov

sinkorswim2018

Hi. Do I have number?
Looking forward to paying off some debts when paid on Wednesday.


£0/£3320.38