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The long haul supporters thread...

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  • annibee
    annibee Posts: 777 Forumite
    well I had thought my DFD was away at end of 2015 but when I was playing about with the snowball in the wee small hours I discovered a few things that have brought it back to 2014. I can be paid off in 36 months instead of over 50 months. I cannot believe it could be that close. It will be a slog though but I am going to go for it with all guns blazing. Well aren't we all motivated. xx


    :T:T Well done MIT I love the snowball calculator and how it shows you what difference even an extra quid a month can make :)
    I, not events, have the power to make me happy or unhappy today. I can choose which it shall be. Yesterday is dead, tomorrow hasn't arrived yet. I have just one day, today, and I'm going to be happy in it.

    Never Look Down on People unless you are helping them up


    Wins - £5 Voucher, Book, Sat Nav



  • lol anni I could sit on it for hours. I am well sad
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Re-read a bit of this thread - can't believe it was over 3 years ago I joined it!! :)

    Feeling a bit deflated re debt paying at the moment, but am going ot have a good think about targets for this year and extra money making possibilities...lots to think about :)

    xxx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    I think I will have to go onto the snowball calculator again. I haven't been on for a couple of years but felt a bit stuck with dates when I started my DMP. I suppose I could use it to help figure out if I put extra away in savings to use for settlements. I would love to pay extra to Payplan when I have it but I heard it can cause problems if you do it so often.

    I have found I have been much more focused on sorting out my debts since becoming pregnant. My job seems ok at the moment but I work in special needs education for a charitable trust so funding could be lost at any time. I would have been happier if I was debt free before starting a family but I'm no spring chicken:o:eek: and didn't want to leave it any longer as it may have been too late.

    Anyway I will stop waffling for now. Keep going everyone, we will reach our aims.:)
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • annibee
    annibee Posts: 777 Forumite
    lol anni I could sit on it for hours. I am well sad


    yep thats me too lol "calculator girl" my oh calls me lol for some reason I feel the need to put different amounts in everyday ..... maybe on the hope it will say "you are working hard at achieveing this so let me take away this debt for you and you go live happily ever after" lol :D
    I, not events, have the power to make me happy or unhappy today. I can choose which it shall be. Yesterday is dead, tomorrow hasn't arrived yet. I have just one day, today, and I'm going to be happy in it.

    Never Look Down on People unless you are helping them up


    Wins - £5 Voucher, Book, Sat Nav



  • me too anni. I look at my final month and wonder if I could find that so I can cut another month off. I sit with bits of paper all round me doing sums lol. DUnno why I bother the debt never disappears. Now if I could only do magic !!
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Morning All.

    I was playing with the snowball calculator until the early hours and have a date of July 2015:mad: which is slightly better than the date on my DMP. Then I got a bit silly and put in a figure which was my normal debt repayment plus success on the £10 a day challenge which gave me a date of November 2013.:j Could I do it??????? No harm in trying I suppose.

    I wonder what I could get for DH and the cats?;)
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • annibee
    annibee Posts: 777 Forumite
    Yeah somehow Im expecting to put in an extra tenner and it to be like dfd 2012 lol its not its currently 2015 without the mortgage. *sigh* Just seems so stupidly long :( Im hoping to get another couple of balance transfer deal cards when our current 0%'s end (october time) so maybe that will also make a difference
    I, not events, have the power to make me happy or unhappy today. I can choose which it shall be. Yesterday is dead, tomorrow hasn't arrived yet. I have just one day, today, and I'm going to be happy in it.

    Never Look Down on People unless you are helping them up


    Wins - £5 Voucher, Book, Sat Nav



  • taking control (261)

    Hi there taking control! Welcome! Tell us a bit about you and how you got to be here!
    No news here really other than its ~Jan and have had flu so still not back in work which is frustraing and not the start I wanted...I also have a favor to ask! Can anyone explain in simple terms how to work the snowball calculator! Ive been trying on and off for years and just dont get how to work it - do you have to put in stats monthly or does it do it for you? :wall::wall:
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    taking control (261)

    Hi there taking control! Welcome! Tell us a bit about you and how you got to be here!
    No news here really other than its ~Jan and have had flu so still not back in work which is frustraing and not the start I wanted...I also have a favor to ask! Can anyone explain in simple terms how to work the snowball calculator! Ive been trying on and off for years and just dont get how to work it - do you have to put in stats monthly or does it do it for you? :wall::wall:

    I think you have to go in monthly and put in what you have paid off against each debt. Mind you it's been a long time since I last used it so things may have changed.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
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