1% challenge 2023

NeverendingDMP

ThriftyPrincess40 said:

Paid £50.04 today I’m getting close to 4% 😍

Well done. That's good going 

Highlanddream

ThriftyPrincess40 said:

Paid £50.04 today I’m getting close to 4% 😍

Woo hoo, brilliant news  you are doing really well so soon after Christmas. I have my MOT & service due next month so and holding off paying any extra to stash cash for that. I will be really slow until the end of next month.

Highlanddream

NeverendingDMP said:

Highlanddream said:

NeverendingDMP said:

Highlanddream said:

NeverendingDMP said:

So my 1% for debts is £55. Ive paid some off today so it's not likely to change much more this month. My fixed term at work ends in March but if that's renewed the plan is to pay off everything except the old damp debts this year then save a settlement fund for those with a view to finally clearing them in 2027!

DH still has debts being paid from our account but he's not interested in them so I'm aiming for mine to feel like I've achieved something 😂 

Sounds like a good plan, always makes things feel more positive . Is your contract likely to be renewed? 

I have had it renewed twice since my initial 6 months contract but there are a lot of changes going on and new systems being brought in at the moment so I'm not completely sure this time. I'm trying to be aware of it but not worry. (Damp should be dmp btw. Whoops). The dmp debts cant take what I don't have and neither can the universal credit one. If I just have those left by march then it's a win I suppose. It's a big ask as the kids b days are all in the first few months but I'll see.

You have my sympathy, it's a horrible feeling not knowing. Keeping everything crossed for you. I figure dump meant DMP, it made me laugh!

Thanks. I'm not getting on very well with my new glasses 😂 

Thought they were meant to help...... 😂, I am only teasing. Hope you get used to them soon. 

ThriftyPrincess40

Highlanddream said:

ThriftyPrincess40 said:

Paid £50.04 today I’m getting close to 4% 😍

Woo hoo, brilliant news  you are doing really well so soon after Christmas. I have my MOT & service due next month so and holding off paying any extra to stash cash for that. I will be really slow until the end of next month.

Car expenses are a killer! I’ve until June to prep for mine. I couldn’t afford Christmas so didn’t celebrate, no money to spend but I’m lucky with understanding family and friends thank goodness 💕

ThriftyPrincess40

Highlanddream said:

NeverendingDMP said:

Highlanddream said:

NeverendingDMP said:

Highlanddream said:

NeverendingDMP said:

So my 1% for debts is £55. Ive paid some off today so it's not likely to change much more this month. My fixed term at work ends in March but if that's renewed the plan is to pay off everything except the old damp debts this year then save a settlement fund for those with a view to finally clearing them in 2027!

DH still has debts being paid from our account but he's not interested in them so I'm aiming for mine to feel like I've achieved something 😂 

Sounds like a good plan, always makes things feel more positive . Is your contract likely to be renewed? 

I have had it renewed twice since my initial 6 months contract but there are a lot of changes going on and new systems being brought in at the moment so I'm not completely sure this time. I'm trying to be aware of it but not worry. (Damp should be dmp btw. Whoops). The dmp debts cant take what I don't have and neither can the universal credit one. If I just have those left by march then it's a win I suppose. It's a big ask as the kids b days are all in the first few months but I'll see.

You have my sympathy, it's a horrible feeling not knowing. Keeping everything crossed for you. I figure dump meant DMP, it made me laugh!

Thanks. I'm not getting on very well with my new glasses 😂 

Thought they were meant to help...... 😂, I am only teasing. Hope you get used to them soon. 

My mum tried varifocals and fell, you have my sympathy ❤️

ThriftyPrincess40

Paid £13.58 to one of high interest offending cards using petrol money. How does 1% work with the interest cc ‘s bang on? Do I just keep chipping away? I’ve decided to avalanche, but have 2 high interest cards, unsure which to try pay first 

Highlanddream

 ThriftyPrincess40 said:

Paid £13.58 to one of high interest offending cards using petrol money. How does 1% work with the interest cc ‘s bang on? Do I just keep chipping away? I’ve decided to avalanche, but have 2 high interest cards, unsure which to try pay first 

can you do any 0% transfers? That would save you a bomb. 

I would just wait for them to add the interest and then use that as a figure to work the %

ThriftyPrincess40

Highlanddream said:

 ThriftyPrincess40 said:

Paid £13.58 to one of high interest offending cards using petrol money. How does 1% work with the interest cc ‘s bang on? Do I just keep chipping away? I’ve decided to avalanche, but have 2 high interest cards, unsure which to try pay first 

can you do any 0% transfers? That would save you a bomb. 

I would just wait for them to add the interest and then use that as a figure to work the %

Unfortunately maxed out on credit so no BT or loans available x had to max out due to ex hubs delays and behaviour in family courts costing me more with solicitors and his debts he gave me no choice to take. I don’t get legal aid due to wanting to work 🙄 it’s a never ending nightmare! 

Highlanddream

ThriftyPrincess40 said:

Highlanddream said:

 ThriftyPrincess40 said:

Paid £13.58 to one of high interest offending cards using petrol money. How does 1% work with the interest cc ‘s bang on? Do I just keep chipping away? I’ve decided to avalanche, but have 2 high interest cards, unsure which to try pay first 

can you do any 0% transfers? That would save you a bomb. 

I would just wait for them to add the interest and then use that as a figure to work the %

Unfortunately maxed out on credit so no BT or loans available x had to max out due to ex hubs delays and behaviour in family courts costing me more with solicitors and his debts he gave me no choice to take. I don’t get legal aid due to wanting to work 🙄 it’s a never ending nightmare! 

Ohhh, it sounds horrendous, I do feel for you. Fingers crossed you can get some of these paid off sharpish. I think once one has gone it seems so much more positive and possible to achieve. x

ThriftyPrincess40

Paid £90 off high interest card this week, hoping to do another £40 by the end of the day dependent on prolific cash out