The "Pay ALL your debt off by Xmas 2012"...

[FREEZ]

Originally Posted by tirlittan

Happy Birthday Fritterprincess!!!

My minimum amount on the cc hasn't gone out...I paid £100 extra off as usual on pay day (15th) and the payment usually goes on 22nd even when I've paid out the extra before but now it hasn't...Maybe minimum payment is now under £25 and that's why they are not taking it anymore.
Bit tight this month though so might just leave it and use it to buy these shoes I really want...

I'd check later tonight or tomorrow, as the 22nd is today. The min payment should still go out, if it doesn't then i'd ring them so you don't get any nasty charges

[mrso2b]

Been using the snowball calculator – it's really motivating! Although it's going to take me longer than the end of this year to clear my debts L But it's good to show where the majority of the money should be paid to. I was trying to clear my biggest debt first when actually it told me to focus on the smaller one.

Paid £100 off the Barclaycard (minimum payment plus rounded up to the nearest £10).

152 mrso2b £1,768.29 / £12,000

[mrso2b]

Originally Posted by tirlittan

Happy Birthday Fritterprincess!!!

My minimum amount on the cc hasn't gone out...I paid £100 extra off as usual on pay day (15th) and the payment usually goes on 22nd even when I've paid out the extra before but now it hasn't...Maybe minimum payment is now under £25 and that's why they are not taking it anymore.
Bit tight this month though so might just leave it and use it to buy these shoes I really want...

Which CC is it? I had this issue with Barclays. I made an overpayment and then they didn't take the minimum by direct debit. Very annoying and I told them so too! I said I'm trying to clear this as fast as possible yet you aren’t helping! In the end I cancelled the DD and I make the payment manually every month.

[camuk81]

Same here. All my have been called and explained as I want to overpay or make ad-hoc payments all barr one said they couldn't do that and they said they would have a problem on the system with it

[psychopathbabble]

Bcard are the only ones for me that don't take the min payment if you make a manual payment beforehand.

[jakes-mum]

decided to declare some payments off my OD's

so £50 off DH's OD (making that £250 left to declare )
and £100 off my OD 9making that £900 left to declare as its looking so healthy )

New total is:


#16 £4226.62/£8806.89 47.99%

[Barbeduk]

Originally Posted by SpagBol

Just made a payment of £90 to DH's CC:

#084 £8591 / £58000

Payday on Friday

Originally Posted by camuk81

No 149 Camuk Quick update £8012.99 paid off new total paid off 56.20%

Blimey, you've both paid off more than £8k!

Happy birthday fritterprincess

[camuk81]

See what you do for us, Inspiration!

Oh small sub note plastic bags on top of microwaves don't go well! Off to go get a new microwave as mother in law just blown ours up!

[jakes-mum]

Originally Posted by camuk81

See what you do for us, Inspiration!

Oh small sub note plastic bags on top of microwaves don't go well! Off to go get a new microwave as mother in law just blown ours up!

We learnt one christmas day that tv's on top of microwaves are also not a good idea , Jake said the flames coming from the back were very pretty though

[FREEZ]

Have to admit to a bit of a splurge today.
Damn it why do debenhams have to have half price sale on Radley bags when they know how much i want one!!

[camuk81]

Lol, It was the burning smell that gave it away, I thought it was gas!

PS Has anyone else noticed a lot of cynical people on the DFW board today. Thought I was on the wrong page earlier

PPS Because they know you want one

[jakes-mum]

I rarely venture out onto the main board as I get a bit deflated by the amount of 'omg how can you be so stupid' type responses to some peoples threads

Much prefer to cosy up here with my supportive mates

[camuk81]

Its was a post about credit ratings that stood out today, it makes me laugh when I see 80 odd people on the other boards and over 200 on these boards

[mumof3plusoh]

Originally Posted by jakes-mum

I rarely venture out onto the main board as I get a bit deflated by the amount of 'omg how can you be so stupid' type responses to some peoples threads

Much prefer to cosy up here with my supportive mates

Totally agree Jakes-mum, it's scary out there.....

[Theatregal83]

I find it really inspirational to read all your posts! Hopefully I'll be debt free by christmas and will be able to celebrate my 30th with that thought!

[starnac]

Originally Posted by mumof3plusoh

Totally agree Jakes-mum, it's scary out there.....

I once ventured off the DFW board onto a completely different one I ran home here a bit quick!

[nctmum]

Originally Posted by starnac

I once ventured off the DFW board onto a completely different one I ran home here a bit quick!

I posted a reply to something on the credit cards board and someone else replied sarcastically "maybe your DFW signature should give you clue", which I thought was completely out of order. I'm sure some people trawl the boards being superior at someone elses expense.

I like it here

[nctmum]

PS not a very good month, here is my update

#307 £4,635.54/£16,388.93

[nctmum]

PPS

I think its roughly half of credit card co's that count over payments towards the minimum, I seem to remember from an industry forum that nationwide do, bcard and MBNA dont. I keep the DD so I never get late charges, but then make a payment the same day that the DD goes out, so it counts towards that statement. Hope thats useful to someone x

[camuk81]

I have one unhappy dog who has a form of baby oil on one ear and then craddle cap shampoo treatment on the other! If it saves money it's all better in the long term!