Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 14th Jun 12, 3:40 PM
    • 828Posts
    • 2,874Thanks
    Little Miss Uni-Debt
    Starting again, 1% at a time. 100 ways to make £80!
    • #1
    • 14th Jun 12, 3:40 PM
    Starting again, 1% at a time. 100 ways to make £80! 14th Jun 12 at 3:40 PM
    Hey all,

    I'm back again. *sigh*. Progress stopped for a long while and the debt total has spiralled back up to crazy heights again. I'm pretty angry with myself but happy to be back here!

    I'm annoyed at how I wasted my hard work but I intend to sort it now instead of letting it go back up to it's original level.

    I was almost debt free in 2009 (just a few hundred pounds off) but I had worked so hard for so long, I was properly burned out. Fortunately the systems I set up to manage my bills held up and I'm not behind with anything.

    So the situation now. Back at just under £8k debt, I can make small overpayments each month.

    Estimated debt free day is in around a year - June 2013.

    I want to smash that so that I am debt free before Nov 2012 which is 5 years since I started this journey.

    I enjoy my little projects, building, writing and creating. I'm going to see if I can make money from my ideas instead of taking on an evening job like I did before. Having 2 jobs was very tiring and I missed out on a lot with friends and family.

    Now I just need (hehe 'just') 100 ways to make £80! I can try lots of things and hopefully find something repeatable that will become a good source of income. Doing it 1% at a time seems manageable.

    I've found a pack of 100 wage envelopes, so I'm going to use them for collecting my cash from each of my projects.

    If you have any ideas I'd love to hear them!!! Maybe this method might suit others too!

    Here are the first few I'm starting with :-

    ***I will edit this list with new ideas and progress so far***

    Edit - My list of progress has had to be moved to make way for new joiners. This post had reached it's max of 25k characters. The list of things I've done can be seen on this page here.

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers



    This thread has taken on a life of its own!

    Join in on the challenge! - Post in BIG colourful letters, your name, 1% and total so far. I'll add you to the list.

    When the budget has settled and you have a long journey ahead of you, it often gets tough, trying to look for the light at the end of the tunnel. We often push ourselves hard but always wish we could pay more, do more and save more. Sometimes it's hard to be satisfied with the baby steps that we know are good for us.

    By doing it 1% at a time and celebrating every milestone, you're on the debt-free ladder & you know exactly which rung you're on. You can take the steps as fast or slow as you like. When you need to, you can pause for a while and reflect on your progress and then carry on renewed.

    We need to enjoy the journey and not just the destination.

    What you might need :-
    Moneybox / petty cash tin (keep your £s safe!)
    100 wage envelopes, or 100 paperclips - (the freer the better)
    Notebook
    Free printable 100 square here or here (press begin & then print)
    (or make one of your own! Get the felt pens out! )

    How to...
    Take your exact debt or savings total and divide by 100.
    Round UP to the nearest £1 or £10. This is your 1%
    In your notebook start a list of 100 ways that you can earn 1%
    Use the list above for inspiration
    Use the thread for support & motivation
    Contribute new ideas and what worked for you
    Shout up and join the list & get a member number.
    Post a weekly/monthly update of what you've done and how you did it!
    Colour in your progress on your 100 square
    Put your member number in your sig, and your % so far & spread the word!

    Important Notes

    ***You MUST MUST MUST pay your minimum payments to all of your debts AND save your 1%'s as well.***

    Your 1%'s are what you owe, your min payments are the interest you are paying. I consider the min payments as a 'service charge' the cost of rolling your debt on to the next month. This makes you consider just how much your debt is costing you each month!

    As you pay your 1%'s to your cards, your min payments will start to drop. The faster you put your 1%'s to your cards the less interest you will pay.

    If you save up to 100% and pay it off in one go this is MORE expensive than paying each 1% as soon as you have earned it. (I try to save 5% then pay it off)

    This challenge is probably best for debts/savings £20k or less.
    If you find your 1% still too daunting, just decide on how much you want to pay off this year. Divide it by 100. That should give you a 1% figure that is more suitable.

    If your debt is still increasing through spending, this challenge isn't right for you yet. You need to go back a step to your SOA and re-work it until your debt is steady and you have a little room for overpayments. Then come back when you're ready!

    Please contribute your 1% ideas - we need to build a fantastic list for people to choose from!

    So far, people are listed in the order they have contributed to the thread. You guys got us up to post 240! Anyone wanting to join from now on please post in BIG letters and you'll get the next number on the list.

    ***The Official '1% at a time' Members List ***
    ------------The Percentage Peeps!-------------
    # Username--------------- 1% ------Progress
    1 Little Miss Uni-Debt -------£80---------17.68%
    2 Time to face the music
    3 tony_ack
    4 sickasachip13
    5 DharmaBunny
    6 RedSaxon
    7 Zepsgal --------------------£12----------0%
    8 Starbrite
    9 BlushingRose
    10 Treacle1983
    11 DebbieDebt
    12 LindsayGalaxy
    13 7Roland8
    14 MuffinTops
    15 Shrimpy_80 --------------£30---------- 5%
    16 TenBob84
    17 CraftingMad--------------£20------------ 86% ★ 2nd saver to 100% 16/10/12 was £30
    18 Starnac
    19 Ss3n08
    20 Fae -------------------- £129.95----------- 29.5%
    21 Emmaglet
    22 Danni-R--------------------£15 -------------3%
    23 Remote-Control ----------- £10------------38% ★ Complete 01.12.12 was £38
    24 TattyCath--------------£28.75/£7.22 ------8%/100%★
    25 Everhopeful09--------------£47 ------------14%
    26 Hummingbird
    27 Paulmapp8306
    28 TakingControl
    29 NatterJack99----------------£50--------------0%
    30 sc1
    31 ToriaTerrier-----------------£10--------------0%
    32 Skinto_7
    33 Tiff
    34 Elaine1966
    35 DD265
    36 Cuba Cat----------------------£27-----------------17%
    37 Lesgeo2012--------------------£40 / £46-------- 0% / 38%
    38 TeamNicholson -----------------£98--------------0%
    39 Chelmsfordgirl1
    40 Liz-Paul ------------------------£80 -------------14%
    41 Ammonite
    42 415SanFran---------------------£50 -------------20%
    43 HappyTails ----------------- £65/£7/£21-------16.3%/100% ★/57%
    44 EccentricRavenJewellery
    45 SkintSue-------------------------£30 ------------10.5%
    46 Shoe_gal_84
    47 LisaJane
    48 ever-hopeful
    49 Sbarkia
    50 Moneysaverme
    51 Kte------------------------------£29 -------------0%
    52 FlacosFloozie
    53 bpsp10 -------------------------- £70 ------------14%
    54 mark88man
    55 Electrobix99
    56 Clairelg88-------------------------£20 --------------12%
    57 ThemStarryNights
    58 BeadGirl87
    59 KitchenBunny-----------------------£10 -----------0%
    60 LondonGirl252
    61 Jubilee76
    62 Buffythedebtslayer -------------£100-------------0%
    63 Katsu
    64 mosaic012---------------------£13.71------------0%
    65 billysmum
    66 Lezley307 -----------------------£40--------------5%
    67 LynseyDee --------------------- £50-------------- 0%
    68 Helen2012b ---------------------£100------------5%
    69 MrsM1983-----------------------£15--------------11%
    70 MessyMare----------------------£50---------------31%
    71 xJoJox--------------------------£20----------------29%
    72 Kellbobs------------------------ £10----------------0%
    73 Nimbo-------------------------- £60 ---------------5%
    74 HappyBucket--------------------£10 ---------------0%
    75 Seashell------------------------£125 ---------------0%
    76 Braddy970----------------------£100 -------------10%
    77 MayForHer----------------------£80----------------0%
    78 Welsh Girl Slim------------------£32- -------------0%
    79 Hanliam------------------------£140---------------6%
    80 Ali-t---------------------------£160-----------------0%
    81 GraceSophia--------------------£10----------------0%
    82 Emzilla-------------------------£60.66------------- 0%
    83 Ruby789-----------------------£40----------------- 0%
    84 Clairelg88----------------------£20-----------------7%
    85 Kelfen-------------------------£5--------------------4%
    86 Smoosh-----------------------£13.33---------------0%
    87 Marshy1985--------------- ----£13-----------------22%
    88 Jammydodgersandrhl-----------£13-----------0---11%
    89 Mrs Rosecroft------------------£25-----------------0%
    90 x.nukke.x----------------------£70-------------------7%
    91 Hele_an-----------------------£40/£30--------------1.4%/6%
    92 SaraSage----------------------£24-------------------2.6%
    93 Decluttering-------------------£25--------------65% ★ 1st to 100%. 10/10/12 was £5
    94 LeaLea89----------------------£25-------------------0%
    95 ChocolateBum-----------------£25------------------1%
    96 KirstyMcManus----------------£6-------------------4%
    97 Mossop93--------------------£2--------------------0%
    98 JackieRHE-------------------£8---------------------13%
    99 NikkeiPositivity------------£167-------------------11.43%
    100 WelshGirl78 --------------£100-------------------5%
    101 LaughingLorna-----------£68---------------------12%
    102 TudorFan22--------------£19.30------------------14%
    103 Debt Free Soon-----------£10---------------------40%
    104 Hmm-----------------------£60--------------------2.5%
    105 Tra--------------------------£25-------------------23%
    106 FunkyStarfish-------------£10--------------------4.4%
    107 Asoe209---------------£10/£15/£16--------------11%
    108 EllieGibbo------------------£76--------------------0%
    109 PaintYourBox--------------£12--------------------0%
    110 Mummy2threeboys-------£42--------------------0%
    111 LizH-------------------------£70-------------------0%
    112 Soxxxxy------------------£260--------------------2%
    113 Ellesbellesxxx--------------£25-------------------21%
    114 BargainBetty---------------£70-------------------10%
    115 Diana3564------------------£?--------------------0%
    116 Naughty-yet-sorta-nice-----£10------------------0% ★ 100% done 25/10/12 was £30
    117 Kaz665---------------------£13--------------------6%
    118 Tiggy10--------------------£20--------------------15%
    119 Munchin-------------------£11--------------------0%
    120 Floella80------------------£48--------------------0%
    121 DebtBeGone---------------£50--------------------7%
    122 FatPuddingMumma---------£19.67---------------0%
    123 KKing----------------------£80--------------------2%
    124 JennyPennySaver----------£246------------------0%
    125 Triangle--------------------£20--------------------22%
    126 Rachel84-------------------£12--------------------27.4%
    127 SpecialKaye----------------£23--------------------100% ★
    128 PottersGal-----------------£75---------------------2%
    129 Digging-------------------£90----------------------0%
    130 KayleighPea---------------£38---------------------6.5%
    131 Pernicious-----------------£106--------------------29%
    132 THEMONEYSPIDER---------£5---------------------17%
    133 Rubyinamountainofrocks---£22-------------------2%
    134 Henna123----------------£16----------------------0%
    135 Frugalgdubs--------------£?-----------------------0%
    136 Thrifty_gal26-------------£100--------------------4%
    137 Sapanga-----------------£30-----------------------0%
    138 Motoko------------------£60------------------------3%
    139 Jeneflower---------------£20-----------------------2%
    140 Hummingbird-------------£18----------------------3%
    141 OllieGami----------------£45-----------------------5%
    142 NockyNoonah------------£30-----------------------0%
    143 Vintage43 -------------£10-------------------------0%
    144 PataraWendy-----------£200-----------------------0%
    145 Katie26----------------£45--------------------------0%
    146 AprilShower------------£40-------------------------6%
    147 MrsGriff---------------£22---------------------------0%
    148 Nanell-----------------£20--------------------------31%
    149 Gerturdeanna-----------£5-------------------------0%
    150 MrsPoppy--------------£30------------------------0%
    151 Moneymakestheworldgoround --£5.74-----------14%
    152 Headoutthesand--------£30------------------------5%
    153 Jez1020----------------£80-------------------------0%
    154 Fedupandskint----------£160----------------------7%
    155 Quok-------------------$50-------------------------0%
    156 Alana171---------------£60------------------------12%
    157 Bublin1-----------------£60------------------------20%
    158 SleggySortingMoney----£90-----------------------0%
    159 Lily_the_Legend--------£45------------------------5%
    160 Kerfuffle----------------£70------------------------10%
    161 Liberty6201-------------£25-----------------------10%
    162 LittleMissKitty-----------£?-------------------------?%
    163 TrulyMadlyDeeply_indebt--£5.5-------------------67%
    164 FallenArcher-------------£90----------------------20%
    165 StarrySaver--------------£50---------------------0%
    166 DMPtofreedom----------£460---------------------?%
    167 Abundant1972----------£125---------------------20%
    168 Ecoverbee (Andy)--------£9-----------------------9%
    169 Happy Daddy------------£52----------------------0%
    170 Determined Diva--------£110---------------------20%
    171 Rising from the ashes---£6.50--------------------0%
    172 Gelmc-------------------£?-------------------------0%
    173 HappyTorty-----------£23.30---------------------0%
    174 Mthanry----------------£5.33---------------------15%
    175 DanielleNic87-----------£88.19-------------------1%
    176 Justamummy------------£90----------------------0%
    177 Youareallhelpingme------£??----------------------0%
    178 Treehouse ------------£300-----------------------13%
    179 TheShinyOne-----------£5-------------------------3%
    180 MrOrchard-------------£400-----------------------10.5%
    181 WinterGhosts-----------£20-----------------------2%
    182 Shell78 ----------------£120-----------------------0%
    183 ilovetea-----------------£10-----------------------27%
    184 Nomi1-----------------£24.97---------------------22.5%
    185 Embirch---------------£5--------------------------7%
    186 Nat21luv--------------£8--------------------------53.83%
    187 IWannabeasaver------£100----------------------49.02%
    188 AccountingBod--------£74.03--------------------6.3%
    189 Unoriginal_uk---------£50------------------------0%
    190 WorkFromHome-------£10-----------------------0%
    191 Elmly-------------------£40-----------------------57.5%
    192 Nicci985----------------£20-----------------------10%
    193 Natterjack88----------£30------------------------18.72%
    194 Westie660-------------£??------------------------0%
    195 Maddie57--------------£60-----------------------10.5%
    196 Melodramaticme------£45-----------------------0%
    197 Rushy------------------£25----------------------41%
    198 GreenSaints-----------£150---------------------0%
    199 Saz186----------------£40----------------------0%
    200 SophiesMum----------£75----------------------0%
    201 CouldSaveMore-------£140--------------------1%
    202 Ninno820--------------£18---------------------0%
    203 Vics199----------------£18---------------------0%
    204 Pisces72---------------£40----------------------0%
    205 Debtisgoing-----------£70-----------------------0%
    206 WillGetThere----------£??-----------------------0%
    207 Purple.Sarah----------£??-----------------------0%
    208 Utopiah----------------£45----------------------0%
    209 Honeypisquared-------£7.33-------------------0%
    210 VW Campervan Mum-£??----------------------0%
    211 Stressed Steph--------£172-------------------0%
    212 ThriftyFelicity----------£100-------------------0% _____END OF 2012


    updated to post no #1948 pg98 ☆★
    Last edited by Little Miss Uni-Debt; 29-01-2013 at 12:44 AM.
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
Page 3
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 20th Jun 12, 11:39 AM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    Hey tattycath - thanks for subscribing, you'll have to give me the kick in the pants that'll I'll need on occasion!

    Everhopeful09 - Great! It's really motivating isn't it! The more the merrier! Don't forget to pay your min payments and save your %'s as well. Else you'll have your interest to pay at the end. Also if you round your % up to £47.50 it'll cover the extra £'s. It's better to have the nice surprise of finishing early than extra to pay at the end.

    Let me know how you get on with your list!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 20th Jun 12, 12:18 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    Oh I'd just like to add that tomorrow is a very important day for me!

    I shall be clearing & closing my Vanquis account & saying goodbye to their crazy interest rates. I have been waiting for this for a loooong time!

    I'll also be working out my end of week % figure to see how many % I've knocked off so far!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • craftingmad
    • By craftingmad 20th Jun 12, 12:28 PM
    • 1,437 Posts
    • 5,641 Thanks
    craftingmad
    Oh I'd just like to add that tomorrow is a very important day for me!

    I shall be clearing & closing my Vanquis account & saying goodbye to their crazy interest rates. I have been waiting for this for a loooong time!

    I'll also be working out my end of week % figure to see how many % I've knocked off so far!
    Originally posted by Little Miss Uni-Debt
    Brilliant news, LittleMiss. Really well done

    I've started making my list on how to get the £2503 I need by the end of the month in order to add my share to "the pot".

    With regard to the crafting I do, I dable in most things including cardmaking, scrapbooking, sewing and other bits and pieces. I tried hewellery making once but found it too fiddly for my fat little fingers - does stop me buying beautiful beads though!!!!!

    Good luck with your progress xxxxx
    Mortgage - £125k £53k OP Made 2010 £29320 OP 2011 £4200
    BTL Mortgage £81K BTL Mortgage £82
    No Craft Spending 53/365 Stash Busting Challenge 2016 127/2016
    Declutter Challenge 376/2016
    1% club member 17 - 100% reached 3 times £10k New Target £496.00
    /£1250 = 39%
    £2015 in 2015 - £692.47/£2015
    • hummingbird
    • By hummingbird 20th Jun 12, 12:39 PM
    • 1,430 Posts
    • 6,974 Thanks
    hummingbird
    Thanks for this thread, very inspiring! I do a lot of the things that have been suggested on here, so it's given me a push to get back on with it! haven't posted for ages! Think I'll update everything and check onto all the threads I was looking at before!

    All the best with the percentage idea - it's great.
    £10 a day extra in Augustl[B]£24.10/310[/B]
    Sealed Pot#133 x2 from Sue
    Virtual Sealed Pot #8 £120/£250
    Christmas 2016 £1 a day #95 £105/£366

    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
  • Fae
    Great to hear about vanquis Little Miss bet you can't wait
    really looking forward to hearing about your % I have subscribed so I don't miss it.

    Crafting mad, I hear you on the beads, I do make Jewellery and I have loads, I swear they scream buy me when I walk into a shop

    Fae
    LBM 29/10/2013 £14,218.00 As of 13/04/2014 £6477.00
    Paid 54%
    3 months to go 13 weeks
    DFD 28th August 2014
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 20th Jun 12, 3:45 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    craftingmad - Ah yes, beautiful beads! I bought my sister a kit as a present and she's made some lovely stuff. Think it might join us on the car boot. I love making handmade presents & hampers. I'm not too good at cardmaking but I would like to be. I hope your list is coming on well!

    Hey Hummingbird, Congrats on getting back into it! You're doing great on your £15 a day in June challenge! What stuff did you do???

    Fae - I'm SO looking forward to it! I've got a feeling it's going to be a good first week total. Just looking across my spreadsheets and I've done more than I've thought!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • shrimpy_80
    • By shrimpy_80 20th Jun 12, 3:54 PM
    • 1,602 Posts
    • 6,674 Thanks
    shrimpy_80
    Great news on the Vanquis! This thread has nearly inspired me to update my signature (totals have gone backwards) but I think I'll do a payday update as that is only next week and will hopefully make me feel a bit more positive about it, as opposed to despondent!

    Also listed a couple of bits on ebay thanks to your inspiration, hoping to clear a % with them!
    Starting debt £18,600
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 20th Jun 12, 4:20 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    An update for today :-

    I've found out the dates for the local big car boot. I've got 2 weeks to gather stuff together. Must remember to ask family as they're usually greatful for the space and they usually say I can keep the cash as long as I don't bring any stuff back - mwhaha

    Going out for a treat for tea tonight. Only cheap & cheerful but it's a welcome luxury. It's my Dads choice for fathers day. Other options could have been much more expensive so I'm glad of it.

    Done some work on the final CV. hoping to get it finished this weekend so that payment can count towards next week.

    Will count up the spare change around the house this eve and put it in one place.

    Have a good evening all!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 20th Jun 12, 4:30 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    Hey Shrimpy, I waited until I got mine to a round £8k before I updated my sig. It's defo best to do whatever makes you feel motivated. I'm glad I wrote my sig, I see my progress with fresh eyes now. Hope your auctions go well!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • Time to face the music
    • By Time to face the music 20th Jun 12, 5:25 PM
    • 5,407 Posts
    • 38,253 Thanks
    Time to face the music
    I shall be clearing & closing my Vanquis account & saying goodbye to their crazy interest rates. I have been waiting for this for a loooong time!
    Originally posted by Little Miss Uni-Debt
    Well done
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    Debt free 17th April 2015
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt
    • tattycath
    • By tattycath 20th Jun 12, 8:59 PM
    • 6,473 Posts
    • 34,492 Thanks
    tattycath
    Well I've worked out I owe £4,100 and would like to save £10,000-don't know how to portion it up into bitesize portions. The payments for what I owe sre set on DDs-no interest owed on this. I've got £90 so far for my 10K any suggestions would be welcomed
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,140
    Mortgage : £5,935/£10,000
    September £15.27/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 20th Jun 12, 10:28 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    hey tattycath. DD's are very helpful to organise your outgoings. Any idea what your Debt Free Date will be? It's great that there's no interest.

    As for the savings, hmm, you want something repeatable but simple. Do you have any hobbies that could help?

    Things like online tutoring can pay well. I like earning extra £'s on elance.com. Any big wins to consider? Mis-sold PPI, charges etc to claim back? Anything big that you could sell?

    If you get another £10, you've done your first 1% towards your 10k!
    Last edited by Little Miss Uni-Debt; 20-06-2012 at 10:30 PM.
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • hummingbird
    • By hummingbird 21st Jun 12, 12:52 PM
    • 1,430 Posts
    • 6,974 Thanks
    hummingbird
    I would like to take up this system as well please! I don't think I can do it as a percentage of my total debt as it's too much at once, but, I can select one debt to pay off in this way. I've just had my PPI reclaim cheque through which has enabled me to clear a loan that I was paying £78.00 a month for. So that money can be re-allocated somewhere else now!! Exciting (Can anyone tell I'm excited???? LOL!!
    £10 a day extra in Augustl[B]£24.10/310[/B]
    Sealed Pot#133 x2 from Sue
    Virtual Sealed Pot #8 £120/£250
    Christmas 2016 £1 a day #95 £105/£366

    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 21st Jun 12, 3:17 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    wow hummingbird! That's excellent news. You have every right to be excited! Hurrah for surprise cheques!

    If you don't want to do %'s on all your debt at once, set yourself a debt free date. Your 100% can be whatever you need to pay off this year. Then you know you're on track. Then if you blizted ahead & managed to start on 'next years' debts a little early - how amazing would that feel?!!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 21st Jun 12, 5:42 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    Been speaking to a friend today who is trying to help their OH with their debt situation.

    They were thinking that a consolidation loan would be the ideal solution but credit score is stopping that from happening (fortunately). I've shown them the snowball calc and done my best to convince them that borrowing more isn't the way.

    I kind of wanted to explain 'been there, done that & it's not a good idea' but I refrained , hopefully the snowball will help and they will decide if they can get it down on their own or could opt for a free DMP.

    Been working on getting a few bookings for my partners wedding photography.

    Put my CV in for a Sat night temp job. I'm not really interested in part time jobs because they tend to take over suck all social life away. However this one is very local and only for a set number of hours on a Sat - so it MIGHT be worth it.

    Will be doing a few MSE activities this eve, more ebay listing.

    Might even attempt to clear under the stairs if I'm feeling brave! How well it gets cleared depends on the number of spiders I encounter If there's any bigger than a 5p piece, I'm outa there!

    Hope you have a good eve all!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
  • mummybearx
    Check you out, spreading the MSE way of life

    I've been converting everyone that will listen to the benefits of couponing, even gave some away to a woman at the supermarket lol! Gave her a few coupons and she let me have the heavily reduced chicken pieces good times at the reduced section lol x
    Can't think of anything smart to put here...
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 21st Jun 12, 7:40 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    Haha! That's awesome zepsgal, ah the camaraderie of the reduced section.

    I've made friends with the woman that operates the coupon machine in Morrisons. As they say it's who you know that counts!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • tattycath
    • By tattycath 21st Jun 12, 8:35 PM
    • 6,473 Posts
    • 34,492 Thanks
    tattycath
    I've got a tin I collect £2 coins in - so I'm going to open it and pay the money into my savings-I'll update when I've counted it up.!
    I've counted it up and I've got £140 to pay into account!!! So I have over 2% towards my savings now!!
    Last edited by tattycath; 21-06-2012 at 8:51 PM.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,140
    Mortgage : £5,935/£10,000
    September £15.27/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 22nd Jun 12, 12:28 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    I've got a tin I collect £2 coins in - so I'm going to open it and pay the money into my savings-I'll update when I've counted it up.!
    I've counted it up and I've got £140 to pay into account!!! So I have over 2% towards my savings now!!
    Originally posted by tattycath

    That's a super result Tattycath! I bet you felt like scrooge McDuck with that pile of gold coins!! You didn't dive into them from a great height did you? I would have done!

    I've got a Terramundi that I keep eyeing up. It's not full yet so I'm holding off! I want it to be full to the top when I smash it up!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 22nd Jun 12, 12:36 PM
    • 828 Posts
    • 2,874 Thanks
    Little Miss Uni-Debt
    Well today I was meant to be vanquishing my Vanquis.

    However, thanks to the fact I bank with Natwest I won't be able to do that.

    Balance is still showing the same as it was Weds so wages haven't yet shown up.

    Luckily I've not got bills to pay until the 29th but I was super excited about clearing a debt today.

    I hope none of you folks are affected. I can imagine the nightmare if Direct Debits and important bills were involved!
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
Welcome to our new Forum!

Our aim's to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

185Posts Today

924Users online

Martin's Twitter