Pay ALL Your Debt Off By Xmas 2022!

shell16

An update from me

#6 - £8386.62/£8000 - 105%

ahall3519

Good evening everyone! Please put me down for £25 (DD) to the usual CC which now makes it £838.90/£1076.64 paid.

I can feel the end in sight!

FreedomBringsPeace

Hi  just made my last payment on credit cards, been encouraged by the stories over here. I don't say much but thank you all the positivity and prayers! has really helped me.

Now going back over to the 3 to 6 month emergency fund board to recommence my E F!.

Im glad i was on my self imposed plan to pay the debt off before the 0% ended as i received a text from my credit card company to advise that my interest rate would be going up to an eye watering 57.20%!

I know its hard, but keep going. Its really worth it x

LittleMissDetermined

Well done @FreedomBringsPeace, what a feeling that must be! Good luck with your 3-6 month fund
LMD x

welshspendthrift

Well done @FreedomBringsPeace , I’m intrigued by Zero based budgeting?is that a Dave Ramsey thing? 

hazeldreams

Well done @FreedomBringsPeace! I'm hoping to be done by 31/12 too!!

FreedomBringsPeace

@hazeldreams you can do it, even those who don't make it by this Christmas are setting themselves up for a much brighter new year.

@welshspendthrift yes i assign every pound and it has a job. I have an app called spending tracker where we ensure every pound has a job. The pennies mount up. Id say that and cash stuffing has helped me more than any other approach. Theres something about Dave Ramsey that made sense to me for steps 1 to 3 especially. Im also throwing change in an empty 5 litre water bottle i only have a few pounds but hope i can do better in 2023.

Thank you for celebrating with me x

hazeldreams

FreedomBringsPeace said:

@hazeldreams you can do it, even those who don't make it by this Christmas are setting themselves up for a much brighter new year.

@welshspendthrift yes i assign every pound and it has a job. I have an app called spending tracker where we ensure every pound has a job. The pennies mount up. Id say that and cash stuffing has helped me more than any other approach. Theres something about Dave Ramsey that made sense to me for steps 1 to 3 especially. Im also throwing change in an empty 5 litre water bottle i only have a few pounds but hope i can do better in 2023.

Thank you for celebrating with me x

Dave Ramsey and YNAB are what’s working for me. I’ve been Dave-ish and YNAB-ish since 2015, but now I’m on a mission!! 

ahall3519

Well done @FreedomBringsPeace

Please put me down for £4 to the usual CC which now makes it £842.90/£1076.64 paid.

shell16

Morning an update from me

#6 £8552.62/£8000 - 107%