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Crunchy pays off the loan early, and other stories
Comments
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It's still a big difference and if you keep up at same pace you'd get to be debt free in couple years. I know it seems a long way off but you will get there*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Afternoon all!
I’ve decided I want this £8500 of consumer debt paid off by the end of 2021 when I will be 40!
Just slushed another £11 at the husbands loan that was left over in my account from cancelling a direct debit.
I get paid on Thursday and will get the tax I over paid at the beginning of the year so will then slush £600 towards husbands loan.
Hope everyone is bearing up well in lockdown!Crunchy xxDebt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far3 -
That's what about £650 a month on average. How much are you managing at the moment?*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Sarahwithlove said:That's what about £650 a month on average. How much are you managing at the moment?
We have £125 left in the food budget till the end of the month that, fingers crossed, will be enough.Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far1 -
That's good sounds like you will get there in the end!*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Hi Crunchy l am aiming for end of 2021 to have the loan in my sig clear. There is another loan but it's a part of the mortgage account..will cross that bridge in Jan 2022. Race you to the bottom? In a nice friendly way of course 🙂3
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Hi Crunchy l am aiming for end of 2021 to have the loan in my sig clear. There is another loan but it's a part of the mortgage account..will cross that bridge in Jan 2022. Race you to the bottom? In a nice friendly way of course 🙂Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far2 -
crunchy_time said:Hi Crunchy l am aiming for end of 2021 to have the loan in my sig clear. There is another loan but it's a part of the mortgage account..will cross that bridge in Jan 2022. Race you to the bottom? In a nice friendly way of course 🙂*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Evening all!
Currently having a break from my assignment. Finding this own hard. I still have 1000 words to write and it’s due on Tuesday. I shall go for a run tomorrow and then focus hard on it all morning. And I want to do a masters!!!! I blow my own mind sometimes!
The kettle blew up today so that is something I must start to shop around for. It lasted 6 years so its had some good innings. I shall try and keep husband in check for a reasonable priced one.
I really should start my Christmas shopping but I seem to have lost all enthusiasm! Maybe that can be my treat after I have finished this assignment!
Right, better get back to it, it’s not going to write itself!
Crunchy xxDebt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far2 -
Join in @Sarahwithlove 😀 we will be each others' debt free cheerleaders without the side of beatch 😂
Good luck with the assignment Crunchy!1
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