Tidying up the mess

Sunshine_girl2

Babystepper you are amazing, you have kept your focus through the whole process. I look forward to the day when you are debt free. I hope you will keep a diary of some sort as well as would look forward to what you do with your extra money after paying off your debt.

Happy New Year to you .

[Deleted User]

Look at you freakin’ go! :T

So close now, I’m so pleased for you, you’ve really worked so hard for this. Less than 100 days will fly by (and there will be some friendly peer pressure to make the final payment )

(Also makes a note to post more exciting content to represent DF life )

savingholmes

Hi Baby Stepper - less than 100 days away sounds amazing. Go you!

Do you have a mortgage to tackle? Will you join the MFW board?

DrSpendLittle

Super duper progress! You've done so well at this. The remaining time will fly by and we'll be celebrating your DFD soon

enthusiasticsaver

Almost there and then an extra £1400 a month from April. No way could you fail to be proud of that. Good result on wedding cash.

PositiveBalance

That level of debt payoff is simply outrageous!



Well done you! :T


I hope you keep an eye out for a bottle of well-priced bubbles for between now and your debt-free date! :cool:

girlatplay

Soooo close! You're on the final lap now. We're all screaming for you at the top of our voices from the sidelines here

BabyStepper

Hi everyone

I really am useless at updating my thread, sorry about that everyone. We went to the wedding, it was great, I had a really good time, and came in only £12 over budget. Not too bad. Nothing else has happened, January has been a very slow (and cheap) month. Just how I like it.

I figured out that the council tax holiday money had been included in debt repayment figures, so I just paid it off the debt. I didn't know what else to do with it, thought about putting it in the car fund and taking my gift cash back, but really, at this stage, none of that matters much. It wouldn't make a big difference to me to have the cash back, but seeing the debt go down by £1,577 has given me a big boost. I've skipped the £3ks altogether and the debt is now in the £2ks. I honestly can't believe it, looking at the figures. The MBNA card is gone. :T:T:T It's amazing!

So here's how it looks this month. Only 2 more months to go (60 days roughly?)

[STRIKE]Barclaycard (1) £3,044.54[/STRIKE] PAID OFF
[STRIKE]Lloyds (1) cc £434.33[/STRIKE] PAID OFF
[STRIKE]Barclaycard (2) £517.12[/STRIKE] PAID OFF
[STRIKE]Hitachi loan £970.60[/STRIKE] PAID OFF
[STRIKE]Overdraft £2,000[/STRIKE] PAID OFF
[STRIKE]Santander £3,435.67[/STRIKE] PAID OFF
[STRIKE]Barclaycard (3) £1,250[/STRIKE] PAID OFF
[STRIKE]Lloyds (2) £907.57[/STRIKE] PAID OFF
[STRIKE]MBNA £5,325.99[/STRIKE] PAID OFF
Halifax cc £3,342.25/£2,533 0% Oct 2020

Total May 2018 £21,228.07
Total January 2020 £2,533
£18,695.07 paid off :j:j:j

Thank you as always for all the support and encouragement. I would not have made it this far without you all. :heart2: Best go change my signature.

[Deleted User]

:eek: So exciting!! :T :T :T

Only one debt to slash, it’s not going to know what’s hit it So pleased it’s so close for you now!

BabyStepper

Thanks BlackCoffee, it is exciting! Not long now! It's been really helpful reading your diary to try and get an idea of what debt free life is like. I expect I'll be a bit disorientated, but in a good way. :-)