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£32,940.78 to zero...

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Comments

  • Hi,

    Good luck on your journey x
  • Thanks everyone :)

    I can't ditch the gym as I just paid £150 upfront, and for once I have been going 3-4 times a week since I joined. I would like to lose a stone to drop the baby weight, can I still say that when the baby in question is 18?!

    You are right about the present budget, that could get smaller. Everything is just so expensive these days, either that or I have expensive taste...probably a bad mix of both!!
    Starting debt total on the 12th July 2018 - £32,940.78
    Emergency fund - £450/£5400
  • Mnd
    Mnd Posts: 1,699 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    It was a little bit tongue in cheek, meaning if you valet the car that will give you the excerise that you would use at the gym.. good luck anyway m
    No.79 save £12k in 2020. Total end May £11610
    Annual target £24000
  • gaffel
    gaffel Posts: 80 Forumite
    Hi Champagne

    Good luck on your journey.

    If I was you I would use all overpayments on this debt first

    £1,134.65 0% October 2018

    Its coming to its end and it would be a great win to have it cleared. Could you set yourself that as a target?
    Original MF date: Feb 33 Target : MF date: Dec 20 Cleared mortgage August 2015
    Investment mortgage, 164k July 2038 MF date.
  • Hi Gaffel,

    Thank you! Yeah that is my priority with clearing that debt first. I had some charging me interest on Virgin, but managed to make some mini overpayments over this month so it is all 0% now.

    £1,134.65 I am hoping to make a good dent into this with my part time job earnings and clear it by September...fingers crossed!!!

    I have 10 weeks until Septembers pay, so £113.45 per week...would be tight but do-able!
    Starting debt total on the 12th July 2018 - £32,940.78
    Emergency fund - £450/£5400
  • Don't have lunch with me, used to always bring it as canteen in work isn't great and expensive for what it is, but have fallen out the way of doing this. Will be making some stuff over the weekend and all systems go as of Monday!! £2.20 on some soup, could have made home soup for about 20p a portion.

    I am going to give Virgin a call and see if they will reduce my internet. I don't have TV or phone only internet as we just use Freeview/Netflix/firestick and see if they can bring it down a bit from £25.24...every little helps.
    Starting debt total on the 12th July 2018 - £32,940.78
    Emergency fund - £450/£5400
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