The Secret DFW Diary of Eamd Aged 13¾

embarrassed_about_my_debt

Well when the time comes i'll def come and see you and see what you can do for us!

It will be tough but i have been number crunching and it is just about do able and that is without taking into account my annual payrise in April!

Want to get Mint cleared by the time the 0% runs out or very soon after!

pania

It's great that you can do this without taking the payrise into account, that way any extra is a bonus and can eithe r be play money or add it to the debt repayment money.. you do realise if you pay them both off your debt will be nearly 7k!!!!! Hows that for motivation!! sub 10k and very nearly sub 7k!!!

embarrassed_about_my_debt

Cheers P,

Cant take payrise into account as dont know what it will be yet!

Taking into account the monthly loan payments and if everything goes to plan then I will be sub £5k! When i get payrise it will all be going on clearing debt! I want it all gone as soon as possible!

embarrassed_about_my_debt

Morning All!

Got paid my overtime today so that is another £400 off my Abbey CC balance! :j That means only another £700 to go and it will be cleared, that has also put me sub £13k for the first time in AGES (it was around £15k for aslong as i can remember)! Once the Abbey CC is cleared then its onto the mint card :eek:

Got another £2 in my change aswell so my £2 savers club seems to be doing reasonably aswell!

Time to update my signature and have a :coffee:

mickey_mouse

well done on the sub 13K that is great.You are doing really well keep the good work up.

I save £2 coins as well and get excited when i get one - guess i am sad like that:rotfl:

evab_2

Hi,

Was going to post yesterday but kept getting kicked off tinernet!

Anyway have caught up with your threads and am really pleased that you have been able to pay off loads from your debt.

Keep it going and well done!

embarrassed_about_my_debt

mickey_mouse wrote: »

well done on the sub 13K that is great.You are doing really well keep the good work up.

I save £2 coins as well and get excited when i get one - guess i am sad like that:rotfl:

Many thanks,
I must be sad like that too! :rotfl: I never thought i'd get so happy getting £2 coins :eek: then trying to hide it from the person giving me the change :rotfl:

evab wrote: »

Hi,

Was going to post yesterday but kept getting kicked off tinernet!

Anyway have caught up with your threads and am really pleased that you have been able to pay off loads from your debt.

Keep it going and well done!

Thanks! Finding it hard not going out and spending my overtime money but will get to the point when i can afford to buy things again when its all cleared. Difference is it will only be with money i have!

chimp_choker

embarrassed_about_my_debt wrote: »

>>>>> i.e months when you've had to put things on CC do you still include what you have paid off as progress or just the movement over the month?

Cut the cards up. That's the only way you can't spend on them in shops etc. Yes you can keep the info and shop on line but that's not an impulse buy but a considered buy because you have to sit down in front of a computer and by that time you will have thought if you REALLY NEED THIS ITEM etc and generally you won't.

Believe me the only way is to cut up the cards now..... if not you will end up with a sig tag like mine........
Best of luck
Chimp choker

embarrassed_about_my_debt

I there, I havent cut the cards up, i will be keeping the Abbey card for Emergencies, this is the one with the lowest APR so makes sense to keep it but im now in the frame of mind that i know what my plans are and also know that i will keep to my not spending on cards (i havent for 2 months) unless it is a REAL emergency (ie car needs fixed before my car fund is big enough)

Once the Mint and Barclaycards are cleared they will be going though!

embarrassed_about_my_debt

Morning All,

Well its Sunday and im at work again, havent had a day off in 2 and a half weeks and got another week and a half till I'll get one.

Getting to the point im shattered but never mind.

Well i suceeded in Moozies weekly challenge again this week so happy about that. I've cut my budget down for next week so will see how i get on with that.

Started today, went and got my paper and got two £2 coins as my change! Great, this £2 savers club really doesnt help when your trying to use as little money as possible!

Last week on Lunches i spent £2.39 compared to approx £20-£25 before i started being a DFW, so have really cut down there! :T

Also quite pleased at how well my monitoring of my spending is going! Im keeping it upto date every day and taking out my budgeted money for the week on sunday so am only paying by cash. Another change as I always used to pay by debit card for things which makes it alot harder to keep track of your spending.

How everybody is having a good weekend?

Right time for a :coffee: