Pay ALL your debt off by Xmas 2020

Mummy_bear

159 checking in

£11387.91/£13000  that's 87.5% paid off

MB

abba1772

morning

Got paid for some extra hours so sent it straight to hubby's barclaycard

Brings my total to £9151.24 / £10000

AdventureWanted

£100 paid towards the Cc debt today. Now at #29  Pd £5,330.00/ £12,000.

Don't think I'm going to hit my target this year 🙁, but whatever the end figure I'll be pleased the debt has reduced. 

abba1772

morning

Sent £6.34 towards hubbys CC

Brings my total to £9157.58 / £10000

abba1772

morning

Sent £9.12 towards hubbys CC

Brings my total to £9166.70 / £10000

Danspen

Another couple of overpayments over the last week so total now stands at;
#120 - £6,380 / £7,500 - 85%
confident of reaching this years target, time to start doing the maths for next year

NewStart09

hello Bizzy
I only have 2 credit cards however I am paying interest on both 24% and 28% 
I moved less than a year ago and find that trying to find the 0% cards are limited and I also find the small print overwhelming. I am having a chat with one of my cards this weekend as - when I make the additional payments its seems to change my dd from the minimum payment to a fixed amount - so I end up making nearly a double minimum payment by default. I am trying to snowball the smaller amount one 2200 so I can just focus on the last one which I owe just over 5k I have done well to pay off over 4k already despite losing my job from the lockdown for 3 months and with another lock down pending I am reluctant to put my savings towards the debt as I may need it to pay my rent. I certainly dont want to be charging up my cc to pay my basic bills. 
I am now trying to look to sell some things on ebay and market place to help reduce the debt dont mind getting rid of stuff I dont really use when I could be debt free sooner. My original projection would have had my debt free by late Oct....now I am struggling to hit Christmas - I really want to achieve this and dont mind going without if I can start 2021 debt free

abba1772

Evening

Sold a pair of trainers on gumtree so sent the rest of the money after postage towards the barclaycard

Brings my total to £9176.80 / £10000

Bizzywizard

NewStart09 said:

hello Bizzy
I only have 2 credit cards however I am paying interest on both 24% and 28% 
I moved less than a year ago and find that trying to find the 0% cards are limited and I also find the small print overwhelming. I am having a chat with one of my cards this weekend as - when I make the additional payments its seems to change my dd from the minimum payment to a fixed amount - so I end up making nearly a double minimum payment by default. I am trying to snowball the smaller amount one 2200 so I can just focus on the last one which I owe just over 5k I have done well to pay off over 4k already despite losing my job from the lockdown for 3 months and with another lock down pending I am reluctant to put my savings towards the debt as I may need it to pay my rent. I certainly dont want to be charging up my cc to pay my basic bills. 
I am now trying to look to sell some things on ebay and market place to help reduce the debt dont mind getting rid of stuff I dont really use when I could be debt free sooner. My original projection would have had my debt free by late Oct....now I am struggling to hit Christmas - I really want to achieve this and dont mind going without if I can start 2021 debt free

Evening,
You are doing really well. 2 cards are great I had about 6 when I started out. Don't worry if you don't hit your target for xmas. Muppet's will start this again at the end of December for 2021 (I believe).
I understand holding onto monies because of covid and job security.
God luck with the debt busting!
Bizzy

Wolfsong12

Hello

So, been an up and down month. End of two 0% card deals so moved two cards onto a new 0% deal - but obviously that has added the transfer fees to the debt Then the boiler broke and cost £500 (had to get help with that ) and there has been vet bills too

But, whilst my progress has actually gone backwards (mostly because payment hasn't yet gone out on the new card), I still feel in control, and that is the main thing! So:

#34   £1215/£2750