Getting it together...one £ at a time!

doingitanyway

No countdown to a holiday?

Good to see you back on it

[Deleted User]

It'll be so exciting when the loan is gone!

monz

Two payments is so exciting!!!xxx

Homegrown0

doingitanyway wrote: »

No countdown to a holiday?

Good to see you back on it

Not quite yet! Although we are hoping to go away in the summer, so that might appear soon Stay tuned...

Moguline wrote: »

It'll be so exciting when the loan is gone!

I know! I cannot wait!

monz wrote: »

Two payments is so exciting!!!xxx

It's mad to think it's only two more payments from the 30 we started with!

Homegrown0

£102.91 paid to credit card today and second last loan payment will be coming out tomorrow. Just one left in January then it's done!!

Christmas activities for the kids are currently taking over my life. I have no time for anything at the moment... it's nuts. I'm trying to keep myself on an even keel or i'll end up getting overwhelmed and sick just in time for Christmas... I can already feel it coming. I'm loading up on the oranges for vitamin C and green/ peppermint tea. Let's hope it helps.

I'm really looking forward to finishing up for Christmas - a couple of weeks off with the family is exactly what I need.

Looking forward to seeing my payslip this month - it's the first wage that i'll get after negotiating my pay rise so i'd like to see what the bottom line looks like To date, it's just been speculation!

I think i'll go ahead and do my December round up, since tomorrow's payment is a static amount. It'll be nice to see the year rounded up

Homegrown0

DECEMBER 2019 ROUNDUP!

Balances and paid amounts
Loan: £526.41/ £15,792.30 (£15,265.89 paid off - 97% paid)
CC1: £4,420.70 / £4,736.59 (£312.98 or 8% paid off) - this has had the bathroom balance added on so reset it Sept 19
CC2: £3,404.58 / £5,031.14 (£1,712.38 paid off - 34% paid)

Total: £8,351.69 / £25,619.44 (£18,704.84 paid off, 73% paid)

Good things:

• So close to 3/4s of total debt paid!
• 1 payment left on the loan :j (97% paid!) Wahhhh...!
• Into the £8ks!

Pay off your debt by Xmas 2019

• January - £854.92 (£218.51 overpaid) - 8.6% of challenge total
• February- £1,012.27 (£375.86 overpaid) - 10.1% of challenge total
• March - £919.99 (£283.58 overpaid) - 9.2% of challenge total
• April - £1,113.78 (£477.37 overpaid) - 11.1% of challenge total
• May- £686.41 (£50 overpaid) - 6.9% of challenge total
• June- £636.41 (£0 overpaid) - 6.4% of challenge total
• July- £636.41 (£0 overpaid) - 6.4% of challenge total
• August- £669.63 (£33.22 overpaid) - 6.7% of challenge total
• September- £636.41 (£0 overpaid) - 6.4% of challenge total
• October- £836.41 (£200 overpaid) - 8.4% of challenge total
• November - £691.69 (£60 overpaid) - 7% of challenge total
• December- £689.32 (£53 overpaid) - 7% of challenge total
  
  Total so far: £9,491.35 / £10,000 (95% of challenge total)

Savings

• £700 in savings
• £0 in clothing/ gifts account...it gets spent as soon as it comes in these days
• £100 in Christmas saver (restarted in November)
• £100 in credit union (restarted in November)
  Expected to be able to save around £800 at the end of December but it depends what my new salary looks like as take home pay at the very end of the month. This is not including any bonus that i may or may not get

Days until pay day: 13
Loan payments left: 1 :j:eek:
Childcare payments left: 7

teafor2

Morning HG Wow, those figures and payments left numbers are looking so good. What a cracking way to start a new year and a new decade :T

It's a very busy time for parents with school children. Sometimes it can feel like we just lurch from one thing to another, ticking events off the list so we can move on to the next one, so I hope you're managing to enjoy everything that's going on and as you say don't become too overwhelmed with it all.

Hope that bottom line on your payslip brings a big smile to your face. xx

monz

omg so much to look forward to !!!!

Hoping your wages surprises you and is more than expected

Also loan nearly begone! Are you going to put that money to CC?xx

doingitanyway

One payment left for the loan. Go you! :j
Funny you mention green tea as I'm just getting into it. Apparently green tea is loaded with antioxidants?

[Deleted User]

Exciting that the loan is almost gone :j