Pay off £8000 in a year challenge...

smithywilko

I'm glad you know how I feel doodledo and I bet there are plenty of other people who do too! Sometimes I find myself spending far too long watching the figures and re-calculating possibilities, just in case I'm missing any ways to shave off a month before being debt-free!

Anyhoo, this isn't confession time and I don't want too many people knowing my secrets!

In_Search_Of_Me

excelent advice smithy - esp with chrstmas round the corner...well done on setting a new target and not getting complacent!!

smithywilko

Payday is here again and after writing down all my outgoings for this month, I am not paying as much off my debts as I would have liked to. I had a bump in my car on Sunday so have had to take the cost of excess out of my wages, which is great because a year ago I would have had to put it on my credit card but now I can actually pay it with cash. It's progress at least, looking from the 'glass half full' approach!

smithywilko

Just checking my calculations for the last payday of the month, and it's possible I might be able to hit my updated target of £14,000 for the year although I am going to have to go some.

How's everyone else doing?

In_Search_Of_Me

Final figures not in yet but no way I'll hit target but have signed up for 10,000 next year which I really want to hit! Well done smithy - you smashed the target!!

In_Search_Of_Me

Well done the sums and nowhere near it after a year of playing at dfwness...next year will be better with a 10,000 target and determination to stop paying my money to mbna et al!! Again learned alot - I can resist anything but temptation; I am a shopaholic but can also cook! Will work on these things some more and move on to a positive and more sucessful dfw 2009!

smithywilko

Good to see you haven't lost the enthusiasm ISOM, and also that we have kept going for nearly a whole 12 months! I don't think I've stuck that long at any challenge! Thank you so much for setting it up.

I have just about managed to crawl over the £14,000 mark today, I was paid early this month because of the Bank Holidays so have just transferred some of the funds (before going out to the sales!) and totted up the totals.

My job for tomorrow is to work out my new monthly payments for each debt because we are now down to four debts from nine at the start of the year. Is it wrong that I am looking forward to that job?!

In_Search_Of_Me

well done you! Why not join hypnos new challege and set a target? I've set mine at 10,000 and am going to have a better dfw year this year. Well done you for paying off so much...very proud of you I am!! Well done!

jonnyboy80

Afternoon all..just updated my totals for December/this year and as you can see from my sig, have cleared over £5k this year. Really pleased as although I haven't hit the £8000 I set myself this time last year, I feel SO MUCH happier compared to last December when at nearly £30,000 in debt everything seemed bleak and depressing. I have decided this will be my year and I will set my target of £10,000 by Xmas 2009. Good luck to all long haulers for 2009!!

In_Search_Of_Me

well done jonnyboy...ever little does help and its been lovely getting to know you along the way! Do join us on hypnos pay off....thread - people have set different targets and mines at 10,000...onward and upward in 2009!!