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Debt free before August 2023

edited 3 December 2019 at 2:43PM in Debt Free Diaries
255 replies 11.8K views
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  • Poppy1984Poppy1984 Forumite
    489 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    Pay day has been and my next loan payment has been made, taking my loan and total debt amount down to £18,197.

    I'd love to over pay by £198 this month to bring it below £18,000 before the next loan payment is due (16th Jan) I don't think I'll manage it with it being Xmas and there so much going on but I'll try my best.

    I felt a bit better when I got my total debt below £20,000 my next goal is to get it below £15,000 I feel like that will be a bit more of a manageable amount.

    I'm so impatient I just want to be debt free NOW it feels so far away and so out of reach at the moment.
    19-02-18 Total Debt £30,322
    Debt remaining: £12,348
    Original DFD Aug 2024 New DFD Dec 2022
  • doingitanywaydoingitanyway Forumite
    5.9K posts
    Ninth Anniversary 1,000 Posts Name Dropper Mortgage-free Glee!
    ✭✭✭✭
    i understand totally. I paid off 24,00 in 1 year and 10months and it was hard and I felt low sometimes. What helped me was to create a sod it/treats fund. Without that treat fund I don't think I would have made it. Good luck and well done on your achievements so far.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.
  • Poppy1984Poppy1984 Forumite
    489 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    Just made my first overpayment, I cashed out from prolific and made an overpayment of £6.47

    £191.53 left
    19-02-18 Total Debt £30,322
    Debt remaining: £12,348
    Original DFD Aug 2024 New DFD Dec 2022
  • Poppy1984Poppy1984 Forumite
    489 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    I don't believe it! I've just received £20 compensation for something I didn't think I'd get so I've paid it straight off my loan.

    £171.53 left to overpay
    19-02-18 Total Debt £30,322
    Debt remaining: £12,348
    Original DFD Aug 2024 New DFD Dec 2022
  • Poppy1984Poppy1984 Forumite
    489 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    i understand totally. I paid off 24,00 in 1 year and 10months and it was hard and I felt low sometimes. What helped me was to create a sod it/treats fund. Without that treat fund I don't think I would have made it. Good luck and well done on your achievements so far.

    Thank you for the message, I love the idea of a "sod it" treat fund! How did you decide how much and how often to save for that?

    Wow well done that's an amazing achievement!
    19-02-18 Total Debt £30,322
    Debt remaining: £12,348
    Original DFD Aug 2024 New DFD Dec 2022
  • Well done on your overpayments :D x
  • Poppy1984Poppy1984 Forumite
    489 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    SSDD23 wrote: »
    Well done on your overpayments :D x

    Thank you! :D Desperately trying to think of other ways to get some money together for more overpayments!
    19-02-18 Total Debt £30,322
    Debt remaining: £12,348
    Original DFD Aug 2024 New DFD Dec 2022
  • Poppy1984Poppy1984 Forumite
    489 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    Just received £40 cash back from Quidco that I got when I changed broadband providers in July and had only just cleared so I've paid it straight off my loan! So that's just another £131.53 to find before 16th Jan.

    I really find writing in this diary focuses my mind. :)
    19-02-18 Total Debt £30,322
    Debt remaining: £12,348
    Original DFD Aug 2024 New DFD Dec 2022
  • Poppy1984 wrote: »
    Just received £40 cash back from Quidco that I got when I changed broadband providers in July and had only just cleared so I've paid it straight off my loan! So that's just another £131.53 to find before 16th Jan.

    I really find writing in this diary focuses my mind. :)

    Me too, I end up waffling a lot but I don't think I'd be anywhere near where I am along my journey without having a diary :) bonus on the cashback :D x
  • Poppy1984Poppy1984 Forumite
    489 posts
    100 Posts Second Anniversary Name Dropper I've been Money Tipped!
    ✭✭
    SSDD23 wrote: »
    Me too, I end up waffling a lot but I don't think I'd be anywhere near where I am along my journey without having a diary :) bonus on the cashback :D x

    Thanks for popping by :) I'll check your diary out when I get chance. I tend to start reading dairies then get a bit lost of where I'm up to lol
    19-02-18 Total Debt £30,322
    Debt remaining: £12,348
    Original DFD Aug 2024 New DFD Dec 2022
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