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£69k debt free wannabe

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  • welshspendthrift
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    @Narola1976 do you have to pay for this app? 
    Pay ALL your debt off by Xmas 2021 no 50 Target for this year £12,000 
    Pay all your debt off by Xmas 2022 target £15,000 pd £7969.95 / 15,000
    SPC 2022/23 014
    Pay all of your debt off by XMAS 2023
     #no 28 target £11,200.00



  • jokono
    jokono Posts: 750 Forumite
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    Thanks all.
    I do have a detailed spreadsheet (as I am a bit of an excel nerd) added this little chart for my Marbles card and focusing on £10 at a time as it will give me regular cells to colour in and this has cheered me up!

    Have sold my old xbox today too so will get 7 cells coloured in already 😁 
    I love that, I'll do it for my cards. Some of them will need to be in 100s  :#
    01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
    03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,110
  • WinterWarrior
    WinterWarrior Posts: 5,890 Forumite
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    I’m loving the spreadsheet, it looks a bit like mine...I have tabs for everything, formulas all over the place, percentage calculations, etc. 😁
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊
    2024 challenges - (1) £8k savings challenge = £2000 so far (2) 1 stone weight reduction = 6 lb’s so far
    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Narola1976
    Narola1976 Posts: 529 Forumite
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    @welshspendthrift no the app is free, there is a pro version you can upgrade to, but I haven’t as it’s not needed. It’s on android and iOS. It’s really made a difference. I am rarely on a desktop. So an app is perfect for me as I stare at the snowball several times a day lol. It’s quite motivating to play around and see what difference and extra few ££ will do to the debt free date. 
    Starting Total in September 2019 = £38287.77
    Current Total = £25534.10
    33% of debt paid off so far

    Debt Free by Christmas September August July June 2023!
  • welshspendthrift
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    @Narola1976 thank you will look at that app, anything to motivate and spur me on is good! 
    Pay ALL your debt off by Xmas 2021 no 50 Target for this year £12,000 
    Pay all your debt off by Xmas 2022 target £15,000 pd £7969.95 / 15,000
    SPC 2022/23 014
    Pay all of your debt off by XMAS 2023
     #no 28 target £11,200.00



  • jokono
    jokono Posts: 750 Forumite
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    @Narola1976 thanks for mentioning the app, I added all my cards and the loan in and it's looking good very motivating to do extra payments and see the date changing.
    @welshspendthrift if you look for it, I found it in the play store as 'Debt Snowball Calculator', it has a dove sitting on some notes as a logo. When you install it and open it it's called 'Debt Payoff Planner' - weird, maybe they couldn't decide what to call it :D
    01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
    03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,110
  • Sallyp2
    Sallyp2 Posts: 359 Forumite
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    Thanks all. @WinterWarrior I am in the UK and its garden waste collection.

    Hello, don't pay for garden waste collection. Our council introduced that and we/our neighbours don't pay it. We just take the waste to the tip bi-weekly. Thats what the frequency of collection anyway. Cancel that if you can and take it yourself to the tip. See if you can club together with your neighbours, you could take turns to go to the tip 
    • Grocery Challenge: April £263.60 / £250
  • Sallyp2
    Sallyp2 Posts: 359 Forumite
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    I think we get so used to having things available, it’s hard to get out of that mindset. When I was little I remember the family shop would have 4 bananas, we would ask to have one and the stock answer was ‘have you had yours already?’...you couldn’t eat anyone else’s, it was one each. Now if we run out we’d get some more. Maybe fruit isn’t the right example, but waiting for the next shop made them special. 
    Gosh showing your age WinterWarrior. I'm nearly 50 - but i remember being a child of the 70's and my dear old departed mum only buying tinned fruit for years. I don't think I had a banana until the 80's - what a decade lol
    • Grocery Challenge: April £263.60 / £250
  • Sallyp2
    Sallyp2 Posts: 359 Forumite
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    edited 28 May 2021 at 6:39PM
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    Just paid £10 to my marbles card which means I have cleared £1000 off it so far this year 😁😁😁. I think about £450 of that was done in the last month too, need to check my spreadsheet for the exact amount. Only £1450 left to go which I am hoping will be gone by the end of August.
    Am reading through your thread. I read somewhere else, that someone broke their debt into a page of squares, each square was £100, £200, £500 and then as they paid the amount off that the square represents they coloured it in. It mean that over time more squares were coloured in. They said it felt quite motivational

    edit  = so sorry about this post, have read that this has already been suggested to you. Apologies, I had not got that far in reading when I wrote this.
    • Grocery Challenge: April £263.60 / £250
  • anjyeah
    anjyeah Posts: 240 Forumite
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    The colouring spreadsheet is superb! Thanks for the tip! :) 
    My Debt Free Diary: Virgo In Pursuit
    Debt-Busting Progress: 2020: £13,200 | 2020: £9,200 | 2021: £4,900 
    2022: ongoing 

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