Pay ALL your debt off by Xmas 2017

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Comments

  • FeelingPeachy
    FeelingPeachy Posts: 18 Forumite
    Captain_Bluebear wrote: »
    YNAB is great Peachy!

    Yes you do have to pay for it but it is well worth it!

    I got a free trial last year for the old version but have now upgraded to the new version that cost $45 with the lifetime discount you get after the free trial. (I think! it was a couple of months ago that I bought it)

    I takes a bit of getting your head around but it's an amazing tool.

    I'm still a bit of a newbie with it so I'm sure others will be along in a while to give you more details. Just have a look at their website and youtube for a bit more of an idea. There is a thread on here but it is quite long!
    Blue

    Thank you! I just don't like the idea of paying for something that should be saving me money :rotfl::rotfl: is it worth it?
    Pay ALL your debt off by Xmas 2017: Number 115 - Total now £2448.88/£8302.47 29.49%
  • Captain_Bluebear
    Captain_Bluebear Posts: 213 Forumite
    First Anniversary Debt-free and Proud!
    FeelingPeachy wrote: »
    Thank you! I just don't like the idea of paying for something that should be saving me money :rotfl::rotfl: is it worth it?

    I know it seems a bit counter-intuitive to be spending on something when you want to be Paying debts. It is entirely up to you as to whether you think it would benefit you. Like I said, there was a free trial on the old version (Which they are no longer supporting) but I don't think that is an option now sadly.

    Again, just have a look at the website etc. It took me a good few months to bite the bullet and pay for it because, like you said....it just seems like a massive frivolity when you want to throw every penny you have at your debts.

    Blue
  • dipdap
    dipdap Posts: 6,181 Forumite
    First Anniversary First Post Combo Breaker
    #102 £750/£13000 5% paid
    Slow start to the year, hopefully it picks up going forwards :)
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    Mortgage started June 2015 = £170,000 January 2022 = £134,000
    Saving for Xmas 2022= . . Amazon £55
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
  • Jonesy88
    Jonesy88 Posts: 959 Forumite
    Debt-free and Proud!
    1st of the month dd's have gone go out:

    #83 1,000/10,000 10% :beer:
    :rudolf: DF by Xmas 2018: #83 £8,250/£15,000 55% :rudolf:
    SPC 7: #135 :staradmin | MFW 9.72% | Groceries: £6.49/£80 | Exercise 0/20 | NSDs 0/15
  • swimminginaseaofdebt
    swimminginaseaofdebt Posts: 942 Forumite
    First Anniversary First Post
    Evening everyone!

    #150 checking in with an updated total of £537.67/£3729.05.
    VSPC 2019 #10 - £168.80/£100 VSPC 2020 #4 - £262.03/£200 VSPC 2021 #9 - £242.88/£200 VSPC 2022 #3 - £188.03/£200 VSPC 2023 #7 - £0/£200
  • DreamerHelen
    DreamerHelen Posts: 2,629 Forumite
    First Post First Anniversary Combo Breaker I've been Money Tipped!
    Morning Everyone....Hope you are all well....

    Another £15 paid today....

    Thank you xXx :)
  • PinkPig
    PinkPig Posts: 257 Forumite
    First Post First Anniversary Combo Breaker
    edited 2 February 2017 at 9:05AM
    It's been a bad month financially... car was written off, holiday cost more than I was expecting, and I got careless. Back to it, but this year is going to be harder than I thought.

    Total debt has gone up to £9619.19. I've run some numbers and I don't think this is quite manageable in 2017 anymore, so my target is now £7,000.

    PinkPig #116 now on £0/£7,000.00.
  • XSpender
    XSpender Posts: 3,811 Forumite
    First Anniversary Name Dropper First Post
    FeelingPeachy wrote: »
    Thank you! I just don't like the idea of paying for something that should be saving me money :rotfl::rotfl: is it worth it?

    I have been using YNAB for over 2 years and have just upgraded to the annual payment software and it is great.

    I like being able to view all my finances in one place, that I can set goals for paying debt off or saving for something and it is so much more user friendly and flexible than a pad and paper or a spreadsheet both of which I have used in the past. I used to just plan and record spending where as now I properly budget :) I saved a lot of money last year to buy a much bigger house and I think I would have struggled to manage my money as well without the clarity YNAB gives me.

    Loan payment has been paid and interest adjusted. Small amount of interest paid on current account so did an account sweep and paid a bit to the target CC and some to another debt.

    #99 £1789.37/£20,000

    Still a bit of a way to go to hit my Feb target of £2000 paid off.
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    Morning all,

    #006 checking in with £1149.00/£10000 please muppets :)
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • Calling14
    Calling14 Posts: 3,498 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Morning all. 125 pounds off for me today :j

    #16 1177/4300 27% paid:T
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
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