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  • GunWharf
    GunWharf Posts: 308 Forumite
    First Post Uniform Washer
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    Good luck! Slow and steady, even £1 overpayment makes you feel great!
    (Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:

    C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
    Secured Loan     WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000

    DEBT TODAY = £6,000     (£28,000 PAID OFF SO FAR!)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
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    Thanks, I'm very excited to start making overpayments :)

    Really need to stop checking my ebay listings, usually they don't get bid on a lot till the last day xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
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    My aims for April:

    1. Stick to our £200 shopping budget (or less)
    2. Stick to our £200 petrol budget (or less)
    3. Have 10 no spend days
    4. Overpay CC by £20
    5. List ten things on amazon/ebay
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • CAFCGirl
    CAFCGirl Posts: 9,122 Forumite
    Photogenic Name Dropper First Anniversary First Post
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    that sounds like a great plan :)
    Manifesting Abundance in 2023
    Fashion On The Ration 2023 36/66
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
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    Is it normal to want to fast forward to the end of April lol, I can't wait to start making overpayments, best not get ahead of myself tho

    March was a total failure, 3 direct debits bounced, one credit card was paid twice!! We need to get our act together.

    Our ebay sales and music magpie sales will cover the extra we need for the bounced direct debits.

    Managed first no spend dat today yay (my bill month started yesterday when oh got paid) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • mumto2monkeys_2
    mumto2monkeys_2 Posts: 269 Forumite
    First Anniversary Combo Breaker
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    I'm like this - I always want to move along to the next payday!
  • DawnW
    DawnW Posts: 7,440 Forumite
    Name Dropper Photogenic First Post First Anniversary
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    well done for being proactive and doing the snowball calculation :j

    Why not try some of the challenges on the DFW board to keep you motivated? The payment a day one is good, and can be strangely addictive - I used to do this with my mortgage when it came off fixed rate :rotfl:

    You can make a surprising amount from selling 'stuff' you no longer want, too.

    Music Magpie - I always found them good to deal with.

    You will get there - lots of us on here have x
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
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    Lol wishing our lives away M2TM :)


    Thanks for the message dawn :) we are currently waiting for payment from music magpie for some things :)

    We have 13 things listed in ebay ... Fingers crossed

    I will have a look through more of the challenges xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
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    God our finances were well and truly messed up in march, I totally just failed to keep track of spending, it was my sons fourth birthday and we went in holiday for 5 days, it messed up the spends big time, and one of our credit cards ended up being paid twice doh!!

    So this week we have had three credit card payments bounce, in the past we have buried our heads, but this time we are feeling positive and feel good in the knowledge that the money from music magpie and ebay sales (not finished yet but enough have been bid on to cover the bounced payments) will cover the bounced payments.

    I keep having to chivvy OH along and saying to him at least we have more money coming in than going out, so while it's tight and we really need to keep an eye on it, at least we can pay the bills
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
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    Hello :wave:

    Thanks for posting on my diary..and well done on getting to grips with the situation...LBMs often flicker on and off...mine was going for about 10 years before I really cracked it :eek: :o so you are well ahead of that! :)

    Will subscribe and cheer you on your way

    Brizzle x
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
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