£69k debt free wannabe

welshspendthrift

@Narola1976 do you have to pay for this app? 

jokono

Jensfrugalyear said:

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 

WinterWarrior

I’m loving the spreadsheet, it looks a bit like mine...I have tabs for everything, formulas all over the place, percentage calculations, etc. 😁

Narola1976

@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. 

welshspendthrift

@Narola1976 thank you will look at that app, anything to motivate and spur me on is good! 

jokono

@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

Sallyp2

Jensfrugalyear said:

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 

Sallyp2

WinterWarrior said:

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

Sallyp2

Jensfrugalyear said:

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.

anjyeah

The colouring spreadsheet is superb! Thanks for the tip!