Starting again, 1% at a time. 100 ways to make £8...

[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!

[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!

[craftingmad]

Originally Posted by 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!

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

[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.

[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

[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!

[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!

[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!

[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!

[Time to face the music]

Originally Posted by Little Miss Uni-Debt

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!

Well done

[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

[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!

[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!!

[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?!!

[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!

[zepsgal]

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

[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!

[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!!

[Little Miss Uni-Debt]

Originally Posted by 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!!

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!

[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!