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The "Pay ALL your debt off by Xmas 2012" challenge - PART 3!!!
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# 1621
FREEZ
Old 22-05-2012, 4:25 PM
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Quote:
Originally Posted by tirlittan View Post
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
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# 1622
mrso2b
Old 22-05-2012, 4:39 PM
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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
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# 1623
mrso2b
Old 22-05-2012, 4:41 PM
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Quote:
Originally Posted by tirlittan View Post
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.
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# 1624
camuk81
Old 22-05-2012, 4:51 PM
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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
LBM Nov 2011, Amount owed £14,258.67, £1,977.81 now owed, £12,280.86 paid off 86.13%
No 149: Debt free for Christmas 2012 Cleared Next, Wonga, Phoneix, Family loan, Vanquis, Aqua, Everyday. Still to clear Barclaycard, Capital one, & FD loan Just under 2050 days till I'm a normal person with a normal file
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# 1625
psychopathbabble
Old 22-05-2012, 4:51 PM
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Bcard are the only ones for me that don't take the min payment if you make a manual payment beforehand.
Too horrified to update my signature...


Proud to be a member of Mike's Mob Lil' sis of SB, Poo and Matymoo
OU: BSc Hons Open
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# 1626
jakes-mum
Old 22-05-2012, 4:54 PM
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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%
SPC No 032 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £59/£600
Total Wins Of 2012 = £3015.03 Wins Of 2013 = £4427.11 Wins of 2014 = £1322.56
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# 1627
Barbeduk
Old 22-05-2012, 4:55 PM
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Quote:
Originally Posted by SpagBol View Post
Just made a payment of £90 to DH's CC:

#084 £8591 / £58000

Payday on Friday
Quote:
Originally Posted by camuk81 View Post

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
June GC £288.01/£400
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# 1628
camuk81
Old 22-05-2012, 4:58 PM
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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!
LBM Nov 2011, Amount owed £14,258.67, £1,977.81 now owed, £12,280.86 paid off 86.13%
No 149: Debt free for Christmas 2012 Cleared Next, Wonga, Phoneix, Family loan, Vanquis, Aqua, Everyday. Still to clear Barclaycard, Capital one, & FD loan Just under 2050 days till I'm a normal person with a normal file
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# 1629
jakes-mum
Old 22-05-2012, 5:02 PM
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Quote:
Originally Posted by camuk81 View Post
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
SPC No 032 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £59/£600
Total Wins Of 2012 = £3015.03 Wins Of 2013 = £4427.11 Wins of 2014 = £1322.56
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# 1630
FREEZ
Old 22-05-2012, 5:08 PM
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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!!
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# 1631
camuk81
Old 22-05-2012, 5:09 PM
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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
LBM Nov 2011, Amount owed £14,258.67, £1,977.81 now owed, £12,280.86 paid off 86.13%
No 149: Debt free for Christmas 2012 Cleared Next, Wonga, Phoneix, Family loan, Vanquis, Aqua, Everyday. Still to clear Barclaycard, Capital one, & FD loan Just under 2050 days till I'm a normal person with a normal file
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# 1632
jakes-mum
Old 22-05-2012, 5:21 PM
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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
SPC No 032 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £59/£600
Total Wins Of 2012 = £3015.03 Wins Of 2013 = £4427.11 Wins of 2014 = £1322.56
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# 1633
camuk81
Old 22-05-2012, 5:25 PM
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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
LBM Nov 2011, Amount owed £14,258.67, £1,977.81 now owed, £12,280.86 paid off 86.13%
No 149: Debt free for Christmas 2012 Cleared Next, Wonga, Phoneix, Family loan, Vanquis, Aqua, Everyday. Still to clear Barclaycard, Capital one, & FD loan Just under 2050 days till I'm a normal person with a normal file
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# 1634
mumof3plusoh
Old 22-05-2012, 6:43 PM
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Quote:
Originally Posted by jakes-mum View Post
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.....
SPC4 #1395 Aug 11 £135.75/£150
SPC5 #1395 Shower fund used £13.60 31/7/12 Banked Farepack administrators cheque £301 19/10/12 £326.40 in the tin....TOTAL £641
SPC6 #1395 Shower fund £10 used 12/8/13 Total £144.62
from the lovely Sue. SPC7 # 051 Banked so far £100

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# 1635
Theatregal83
Old 22-05-2012, 7:51 PM
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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!
[SIZE="5"]Debt May £1,225 aim be debt free by December 2012DEBT FREE October 20th 2012[/SIZE]

Goal
Save £15,000 by 2015

Current Savings £3,000 Premium Bonds
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# 1636
starnac
Old 22-05-2012, 8:47 PM
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Quote:
Originally Posted by mumof3plusoh View Post
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!
Pay debt off by Christmas 2014 #87 £3,342.47/£9,827.73
Make £10 a day in September £0/£250
Sealed Pot Challenge #307
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# 1637
nctmum
Old 22-05-2012, 9:31 PM
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Quote:
Originally Posted by starnac View Post
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
POMDB Xmas 2013 Board - Paid off £12k in 2012


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# 1638
nctmum
Old 22-05-2012, 9:32 PM
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PS not a very good month, here is my update

#307 £4,635.54/£16,388.93
POMDB Xmas 2013 Board - Paid off £12k in 2012


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# 1639
nctmum
Old 22-05-2012, 9:39 PM
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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
POMDB Xmas 2013 Board - Paid off £12k in 2012


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# 1640
camuk81
Old 22-05-2012, 9:44 PM
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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!
LBM Nov 2011, Amount owed £14,258.67, £1,977.81 now owed, £12,280.86 paid off 86.13%
No 149: Debt free for Christmas 2012 Cleared Next, Wonga, Phoneix, Family loan, Vanquis, Aqua, Everyday. Still to clear Barclaycard, Capital one, & FD loan Just under 2050 days till I'm a normal person with a normal file
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