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Starting again, 1% at a time. 100 ways to make £80!
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# 41
Little Miss Uni-Debt
Old 20-06-2012, 11:39 AM
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Join Date: Mar 2008
Posts: 826
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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 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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# 42
Little Miss Uni-Debt
Old 20-06-2012, 12:18 PM
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Join Date: Mar 2008
Posts: 826
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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 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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# 43
craftingmad
Old 20-06-2012, 12:28 PM
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Join Date: May 2009
Location: Norfolk Broads
Posts: 909
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Quote:
Originally Posted by Little Miss Uni-Debt View Post
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
Mortage - £125k £53k OP Made 2010 £29320 OP 2011 £4200 BTL Mortgage £81K BTL Mortgage £82
Stash Busting Challenge Made 887/2014 -
1% club member 17 - 100% reached 3 times £10k in 2 years New Target £416.70
/£1250 = 33%
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# 44
hummingbird
Old 20-06-2012, 12:39 PM
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Posts: 550
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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.
£30 a day extra in Sept£535.83/900.00
Sealed Pot#133 started 08/11/13 Target £1000x2 from Sue BANKED £200.[/B]
Extra money made in : July - £453.20 August - £373.46
PAD started 20/08/14 total £161.61
Make moneyforChristmas:£80/360 Guitar fund £176.95
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# 45
Fae
Old 20-06-2012, 12:41 PM
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Join Date: Jun 2012
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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
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# 46
Little Miss Uni-Debt
Old 20-06-2012, 3:45 PM
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Posts: 826
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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 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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# 47
shrimpy_80
Old 20-06-2012, 3:54 PM
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Join Date: Jan 2009
Posts: 1,370
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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
Six months to get debt free £420.76/£3318.35 paid 13%
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# 48
Little Miss Uni-Debt
Old 20-06-2012, 4:20 PM
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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 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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# 49
Little Miss Uni-Debt
Old 20-06-2012, 4:30 PM
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Join Date: Mar 2008
Posts: 826
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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 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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# 50
Time to face the music
Old 20-06-2012, 5:25 PM
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Join Date: Jan 2012
Posts: 4,283
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Quote:
Originally Posted by Little Miss Uni-Debt View Post
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
LBM 10/1/12 ~ DFW Start 5/2/12: £82344 ~ Month 31: £13442=83.68% paid ~ DFD 31/1/16 ASAP
9/11 unsecured debts down, 2 to go ... Next target Marbles
Mortgage free 3rd July 2014 - Grateful thanks to the 2013/4 MFW threads
“Home life ceases to be free and beautiful as soon as it is founded on borrowing and debt” Henrik Ibsen
Proud to be dealing with our debt and making our money our own
Time to face the music is online now
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# 51
tattycath
Old 20-06-2012, 8:59 PM
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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 * til mortgage free date December 2027
MFIT-T3 No 106 grocery challenge march £398.00/£400 April £340/£400 may £0.00/£350
Savings 2014 £2,062/£4,000
Target to be mortgage free by end of 2022
Post 593 1% club #24 £390.41/£1400 No42 19/50
£10 a day May £243/£310
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# 52
Little Miss Uni-Debt
Old 20-06-2012, 10:28 PM
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Join Date: Mar 2008
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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!
Total@ LBM - Nov07 £14k - Nov 08 £5765 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!

Last edited by Little Miss Uni-Debt; 20-06-2012 at 10:30 PM.
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# 53
hummingbird
Old 21-06-2012, 12:52 PM
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Join Date: Mar 2005
Posts: 550
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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!!
£30 a day extra in Sept£535.83/900.00
Sealed Pot#133 started 08/11/13 Target £1000x2 from Sue BANKED £200.[/B]
Extra money made in : July - £453.20 August - £373.46
PAD started 20/08/14 total £161.61
Make moneyforChristmas:£80/360 Guitar fund £176.95
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# 54
Little Miss Uni-Debt
Old 21-06-2012, 3:17 PM
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Join Date: Mar 2008
Posts: 826
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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 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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# 55
Little Miss Uni-Debt
Old 21-06-2012, 5:42 PM
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Join Date: Mar 2008
Posts: 826
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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 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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# 56
mummybearx
Old 21-06-2012, 5:52 PM
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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...
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# 57
Little Miss Uni-Debt
Old 21-06-2012, 7:40 PM
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Posts: 826
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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 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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# 58
tattycath
Old 21-06-2012, 8:35 PM
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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!!
GE 36 * til mortgage free date December 2027
MFIT-T3 No 106 grocery challenge march £398.00/£400 April £340/£400 may £0.00/£350
Savings 2014 £2,062/£4,000
Target to be mortgage free by end of 2022
Post 593 1% club #24 £390.41/£1400 No42 19/50
£10 a day May £243/£310

Last edited by tattycath; 21-06-2012 at 8:51 PM.
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# 59
Little Miss Uni-Debt
Old 22-06-2012, 12:28 PM
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Join Date: Mar 2008
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Quote:
Originally Posted by tattycath View Post
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!
Total@ LBM - Nov07 £14k - Nov 08 £5765 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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# 60
Little Miss Uni-Debt
Old 22-06-2012, 12:36 PM
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Join Date: Mar 2008
Posts: 826
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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 2009 Aug £3k Oct £2k Nov £1440 Dec £998 - May11 £6900 - Jun12 £8k Sept12 £7k
|||||||||||||||' 15.5k Down '||||||4k to go
Proud DFW Club Member - #1073
'1% at a time' Member - #1!
I am <still> having an out of money experience!
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