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Re: The Official 2021 Debt Smackdown @Trainee Researcher August Check In I have been really bad about checking in. My car repayments have been on autopilot and so there hasn't been anything to update with. Until today.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 1 mth ago
- 6
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge April Update As mentioned in my debt smackdown update I got the scholarship. After I danced around in celebration I worked out what to do and it turns out most of it went towards my savings goals.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 4 mths ago
- 1
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown April Check In Debt repayment remains on autopilot. I got the scholarship, including back pay to the start of the year. I've decided not to use the lump sum payment to pay off the car loan as there…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 4 mths ago
- 3
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Re: 2021: The Official YNAB Savings Challenge March Update I had to make an extra payment on my car loan which meant that, except for a couple of dollars interest and $1 to qualify for maximum interest next month,…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 5 mths ago
- Join A Challenge
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Re: The Official 2021 Debt Smackdown @farfromtheusual Congrats. Here's to knocking down that timeline.
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 5 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Coral Network Where is the sad part? Isn't the snowball meant to allow you to pay things off then fold the payment into paying more off? Therefore, this month you used the snowball to get rid of…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 5 mths ago
- 3
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown March Check In Debt payment is still on auto pilot. This month was a 3 payment month which made the budget a little tighter. Especially because I'm paying an extra $60+ each payment to get this debt…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 5 mths ago
- 3
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown February Check In Debt payment was on auto pilot last month. Slowly getting there. I now owe less than $3000. This month there are 3 payments so I will knock over $700 off and will owe just over…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 6 mths ago
- 5
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge February Update Now that I am 1 month ahead I can update this challenge at the start of the month. There isn't much to report this month. The extra savings from the end of the 34 day challenge got…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 7 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The 34 Day Reset!! My challenge has been going better than expected. At the start of the month I wasn't able to fully fund the month so I figured that I may as well join the challenge in order to just get through it.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 8 mths ago
- 5
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown January Check In I played around with my budget and found that I could pay an extra $50 per fortnight. This will reduce interest and the pay off date by a couple of months.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 8 mths ago
- 5
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge January Update Today started with good news when I checked my bank balance and discovered that I was awarded another scholarship. Last year when I received a similar scholarship I wiped out my one…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 8 mths ago
- 1
- Join A Challenge
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Re: Fell off the bandwagon over the holidays and screwed myself over.... I need help and encouragement to get back on my feet again. You made a mistake. You're human, it happens. On the scale of mistakes (1 being dropping a glass of water, 10 taking part in an insurrection) this is fairly minor.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 8 mths ago
- 8
- Dealing with Debt
- Reported - view
Re: The Official 2021 Debt Smackdown I think there are two ways you can approach this: 1. Calculate the total principal you want to pay off. Last year I knew that I needed to pay off the entirety of one loan as it was ending.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 8 mths ago
- 3
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge Line 34. I've joined this year to keep my progress going from the 2020 debt smackdown. I surprised myself by paying over $15000 in debt last year. I still have a bit of debt to go but I am starting…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 8 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown Claiming line 71. Congratulations to everyone who took part in the smackdown last year. Especially those who managed to pay off the last of their debt. I have $3,831.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 8 mths ago
- 8
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Orchid Trombone Congrats
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 9 mths ago
- Join A Challenge
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Re: The Official 2020 Debt Smackdown Today is the day I made the last payment on my car loan for the year. Overall this year has been a massive financial success for me. I kept my job for the entirety,…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 9 mths ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Turquoise Major while these sorts of setbacks are frustrating I want to say congratulations on taking control and keeping focused on your goal instead of just giving up.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 10 mths ago
- 3
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Trainee Researcher not much to report since the big smackdown of my credit card. I'm just plodding along paying off just over the minimum payment on my car loan.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 10 mths ago
- 1
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @farfromtheusual Good job. Even the small achievements mean so much when it a debt has been hanging over you for a long time
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 1 yr ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown August Checkin I got the scholarship! Amongst the celebrating I have made the final payment on my credit card (sadly it didn't arrive in time to avoid 1 final interest hit) and closed the account.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 1 yr ago
- 3
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Sky Blue Wizard Congrats
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 1 yr ago
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown July Check-in When I joined this challenge at the end of February I was living month to month and paying off a personal loan, credit card and car loan.…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 1 yr ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown Updating early as I just received confirmation from the bank that my final personal loan payment was received and the account has been closed. Now that it is paid off (3 months early thanks to YNAB)…
- Trainee Researcher
- Hot_Pink_Keyboard.4
- 1 yr ago
- 5
- Join A Challenge
- Reported - view

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