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Re: The Official 2021 Debt Smackdown
@Zoë February Update: Balances (1st Jan -> 28th February): Credit Card remains PIF Overdraft: €800 -> €500: Feb €250 Bank Loan - to be PIF in 2021: €4,593.20 -> €4,190.35: Feb €441.…
Zoë
take care of the pennies...
Zoeah
7 days ago
3
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Re: The 34 Day Reset!!
@Faness this is a nice idea but I'm not sure how it works? Do you budget to the "visitors/guests and special occasions groceries" category & then WAM from it to cover your regular groceries category…
Zoë
take care of the pennies...
Zoeah
1 mth ago
2
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Reported - view
Re: The Official 2021 Debt Smackdown
@Zoë January Update: Balances (1st Jan -> 31st January): 2 Credit Cards remain PIF Overdraft: €800 -> €750: Jan €50 Bank Loan - to be PIF in 2021: €4,593.20 -> €4,632.22: Jan €0 (+ Interest €39.…
Zoë
take care of the pennies...
Zoeah
1 mth ago
5
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Re: The Official 2020 Debt Smackdown
@farfromtheusual Thanks! It's amazing how much difference just having awareness of your money situation makes.
Zoë
take care of the pennies...
Zoeah
2 mths ago
1
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Re: The Official 2021 Debt Smackdown
Hi, I've claimed line 95 and my goal of €17,843.16: Overdraft: balance €800 - PIF in 2021 Bank Loan: balance €4,593.20 -> goal of €4,900 including estimated interest (I'll update the goal when I…
Zoë
take care of the pennies...
Zoeah
2 mths ago
4
Join A Challenge
Reported - view
Re: The Official 2020 Debt Smackdown
@Zoë December Update: Balances (1st Jan -> 31st December): 2 Credit Cards remain PIF Overdraft: €1,000 -> €800: Dec €0 Bank Loan - to be PIF in 2021: €7,184.85 -> €4,593.20: Dec €260.…
Zoë
take care of the pennies...
Zoeah
2 mths ago
2
Join A Challenge
Reported - view
Re: The Official 2020 Debt Smackdown
@Zoe November Update: Balances (1st Jan -> 30th November): 2 Credit Cards remain PIF Overdraft: €1,000 -> €800: Nov €0 Bank Loan - to be PIF in 2021: €7,184.85 -> €4,742.98: Nov €260.…
Zoë
take care of the pennies...
Zoeah
3 mths ago
3
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Reported - view
Re: The Official 2020 Debt Smackdown
@Zoe October Update: Balances (1st Jan -> 31st October): 2 Credit Cards remain PIF Overdraft - to be PIF in 2020: €1,000 -> €800: Oct €0 Bank Loan - to be PIF in 2021: €7,184.85 -> €5,003.…
Zoë
take care of the pennies...
Zoeah
4 mths ago
4
Join A Challenge
Reported - view
Re: The Official 2020 Debt Smackdown
@Zoe September Update: Balances (1st Jan -> 30th September): 2 Credit Cards remain PIF Overdraft - to be PIF in 2020: €1,000 -> €800: Sept €200 Bank Loan - to be PIF in 2021: €7,184.…
Zoë
take care of the pennies...
Zoeah
4 mths ago
4
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Reported - view
Re: The Official 2020 Debt Smackdown
A very late update for July and August: Balances (1st Jan -> 31st Aug): Credit Card - to be PIF in 2020: €1,600 -> €0: July €219.60, Aug €200 Overdraft - to be PIF in 2020: €1,000 -> €1,000:…
Zoë
take care of the pennies...
Zoeah
5 mths ago
2
Join A Challenge
Reported - view
Re: The Official 2020 Debt Smackdown
@farfromtheusual Thanks for that tip. I've only been using YNAB since last October and the last 3 months of 2019 had a lot of upheaval as I was buying and renovating my first apartment and living…
Zoë
take care of the pennies...
Zoeah
8 mths ago
2
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Reported - view
Re: The Official 2020 Debt Smackdown
@Zoe June Update: Balances (1st Jan -> 30th Jun): Credit Card - to be PIF in 2020: €1,600 -> €419.60 Overdraft - to be PIF in 2020: €1,000 -> €1,000 Bank Loan - to be PIF in 2021: €7,184.…
Zoë
take care of the pennies...
Zoeah
8 mths ago
2
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Reported - view
Re: The Official 2020 Debt Smackdown
@Zoe May Update Credit Card: €300.00 PIF!!! (€1,600 paid in 2020) Overdraft: €0 Bank Loan: €260.33 Private Loan: €500.00 Mortgage: €511.93 TOTAL: €1,572.…
Zoë
take care of the pennies...
Zoeah
9 mths ago
1
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Reported - view
Re: The Official 2020 Debt Smackdown
@farfromtheusual Every little helps! I've been doing these imagine if... calculations as well. They're great motivation! I have a 35yr mortgage but when I look at my current monthly payment against…
Zoë
take care of the pennies...
Zoeah
10 mths ago
2
Join A Challenge
Reported - view
Re: The Official 2020 Debt Smackdown
@farfromtheusual Thanks for the encouragement! I'm strangely excited to make my 1st mortgage payment 🏘️
Zoë
take care of the pennies...
Zoeah
10 mths ago
2
Join A Challenge
Reported - view
Re: The Official 2020 Debt Smackdown
@Zoe Paid off Apr '20: Bank Loan: €260.33 Private Loan: €500 TOTAL: €760.33 Managed to keep groceries spending down but indulged in a bit too much online shopping!…
Zoë
take care of the pennies...
Zoeah
10 mths ago
4
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Reported - view
Re: The Official 2020 Debt Smackdown
Paid off Mar '20: Credit Card: €700 Bank Loan: €260.33 Private Loan: €500 TOTAL: €1,460.33 Currently in lockdown until at least 19th April so using this as motivation to keep spending to an absolute…
Zoë
take care of the pennies...
Zoeah
11 mths ago
3
Join A Challenge
Reported - view
Re: The Official 2020 Debt Smackdown
@Zoe Paid off Feb'20: Bank Loan: €260.33 Private Loan: €500 TOTAL: €760.33 Wasn't able to put anything towards the CC this month as I had to make some payments a month earlier than expected and had…
Zoë
take care of the pennies...
Zoeah
1 yr ago
4
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Reported - view
Re: The Official 2020 Debt Smackdown
@Zoe January 2020: I amended my 2020 goal to my minimum goal. Paid off Jan '20: Credit Card: €600 Bank Loan: €260.33 Private Loan: €500 TOTAL: €1,360.33 I have also now fully funded all of February…
Zoë
take care of the pennies...
Zoeah
1 yr ago
2
Join A Challenge
Reported - view
Re: The Official 2020 Debt Smackdown
Hi, I've claimed line 58 and entered my stretch goal of €17,500. My minimum goal to achieve is €15,819.40 made up of: Credit Card: €1,600 - to be paid off in full before May Overdraft: €1,…
Zoë
take care of the pennies...
Zoeah
1 yr ago
2
Join A Challenge
Reported - view
Zoë
Zoeah
take care of the pennies...
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Started YNAB 31/10/19 and wish I'd found it 10 years earlier!
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