Pay ALL your debt off by Xmas 2016 - Part 2

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  • blubella
    blubella Posts: 541 Forumite
    First Post Name Dropper First Anniversary Combo Breaker
    Thank you Muppets for getting everything running again..I thought I had deleted my subscription!

    Another £200 paid towards DEBT card today...now

    £13773.78/£8750
    #4 DFBXMAS24 - £1,542.72/£5,000
    NSD Challenge - Jan 15/12, Feb 3/12, Mar 10/10 Apr 6/12.


    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
  • sharronej
    sharronej Posts: 578 Forumite
    First Post First Anniversary Combo Breaker
    I've just made a really silly mistake around my credit cards to keep them all on 0% and I've done one of them twice! I opened the 38 month 0% being offered by Tesco and paid off my MBNA but I'd already done a transfer on that account. I haven't got any account details yet from Tesco but assuming by the time they do send it to me the balance transfer will have been done I presume the only thing I can do is draw the money out in cash? Does anyone know if I will still get charged for using the cash machine whilst my account is in credit? Or can I pay one card off with another manually? TIA - what a stupid thing to do! I do have a balance on a 6.9% card which I can use the money to get onto 0% hence why I am saying can I draw the cash from the overpaid card x
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    Sharronej - I did this with barclaycard once. I called them and they transferred the money into my bank account - you could try calling tesco and telling them you made an error? I wouldn't draw out in cash - you will still be subject to cash withdrawal charges :)
    :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:
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
    Morning :hello:

    Rounded down the account sent £6.20 towards the barclaycard brings my total to £4909.80 / £6000
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • chocolatebum
    chocolatebum Posts: 334 Forumite
    First Anniversary Combo Breaker
    another 125 for me so

    #94 now at £3359.25/£5192.66
    DEBT
    31/12/2018 = £21,740.10 - 31/12/2019 = £18,581.29 (14.53% PD)
    31/01/2020 - £18,685.22 (14.05% PD)
  • Penniesinmyjar
    Penniesinmyjar Posts: 64 Forumite
    Hello, I am extremely late to this party but could I join too please?!

    I have £7800 left to go, pipe dream for the end of the year but i'll give it my all!

    xxx
    £1000/£1000 Emergency Fund
    Credit Card 1: £5,671 / £9,500 [STRIKE]Credit Card 2: [/STRIKE][STRIKE]0/£9,000 [/STRIKE]
    [STRIKE]Credit Card 3: £0 / £2,500 [/STRIKE] [STRIKE]OD: £0/ £3,000[/STRIKE]
    £18,360 gone! :j
  • sharronej
    sharronej Posts: 578 Forumite
    First Post First Anniversary Combo Breaker
    kirtsypoos wrote: »
    Sharronej - I did this with barclaycard once. I called them and they transferred the money into my bank account - you could try calling tesco and telling them you made an error? I wouldn't draw out in cash - you will still be subject to cash withdrawal charges :)

    Thanks Kirstypoos, I phoned them today and luckily for me because it was a digital signature nothing actually happens until I phone and activate the card so they said just tell the customer services rep and she will sort it out for you - phew! It's crazy that they still charge you for drawing out when you are in credit! I think I've just been making myself dizzy trying to set a system up that'll work once and for all - I'm sick of thinking about it lol x
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Did another £25 yesterday. Inching towards the finishing line.
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Penniesinmyjar wrote: »
    Hello, I am extremely late to this party but could I join too please?!

    I have £7800 left to go, pipe dream for the end of the year but i'll give it my all!

    xxx
    Welcome Penniesinmyjar, you are number 158. Good luck with your debt busting. xx

    Spreadsheet updated to here. 1st page will be updated on the weekend. xx
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5     €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
    Paid £25.55 towards the very account brings my total to £4935.35 / £6000
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
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