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  • FIRST POST
    • quintwins
    • By quintwins 23rd Jul 17, 7:02 PM
    • 5,029Posts
    • 29,233Thanks
    quintwins
    Can't keep burying my head in the sand!
    • #1
    • 23rd Jul 17, 7:02 PM
    Can't keep burying my head in the sand! 23rd Jul 17 at 7:02 PM
    I never thought I'd find myself in here but the last few years I've been passing about around £10k of debt between 0% cards and making no progress. Fast forward to Christmas and we ended up doing some work to our house turned out to be a bigger job than expected. Then we had lots and lots of car trouble.

    So I finally added up all my debt last week, really died and paid £1200 off last week alone and cleared one card ready to be cancelled tomorrow.

    My plan is to pay an extra £500 minimum off my debts every month on top of the minimum payments. alot of our 0% end soon but I'll be worse.

    I have done a SOA but I don't want to post it. We have very large outgoings to our cars but everything else is pretty much the norm and can't be cut back anyway. my car is on finance and I'd lose alot of money if I sold it now, his car is a heap of junk and not fit for the kids. He also has a motorbike but again selling it or even handing it back isn't an option due to finance. Another big issue is I ignored my rates/council tax bill so now I have to pay it over 8 months instead of 10.

    However our daily spending is changing from now on and I'll be posting here to keep myself accountable
    Last edited by quintwins; 23-07-2017 at 11:54 PM.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
Page 6
    • quintwins
    • By quintwins 18th Aug 17, 5:33 PM
    • 5,029 Posts
    • 29,233 Thanks
    quintwins
    I'm trying to defrost mine, I don't like it not being full. it's more economical to run a full freezer for a start lol.

    I just got an email from vanquis asking me if I wanted to transfer money to my bank at a special promotional rate of 49.9% nah I think I'll pass thanks.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • redofromstart
    • By redofromstart 18th Aug 17, 5:36 PM
    • 308 Posts
    • 1,343 Thanks
    redofromstart
    49.9%

    • quintwins
    • By quintwins 18th Aug 17, 5:45 PM
    • 5,029 Posts
    • 29,233 Thanks
    quintwins
    49.9%

    Originally posted by redofromstart
    Thats actually my purchase rate nearly gone tho.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • quintwins
    • By quintwins 19th Aug 17, 8:37 PM
    • 5,029 Posts
    • 29,233 Thanks
    quintwins
    paid an extra £15 off my Debenhams card
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • redofromstart
    • By redofromstart 19th Aug 17, 9:04 PM
    • 308 Posts
    • 1,343 Thanks
    redofromstart
    I guess its all relative, looking at the rates on some of those loans on the telly, now they are really scary.
    • Purplemumof2
    • By Purplemumof2 20th Aug 17, 7:47 AM
    • 5,035 Posts
    • 16,549 Thanks
    Purplemumof2
    Morning quintwins,

    You're doing really great.

    I love freezer Tetris but like you I also forget what we have in there.

    Hope you had a lovely birthday? X
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 8/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • enthusiasticsaver
    • By enthusiasticsaver 20th Aug 17, 8:32 AM
    • 4,199 Posts
    • 7,567 Thanks
    enthusiasticsaver
    49.9% is dreadful. Good that your OH got a O% but shame only for 6 months. The long ones are the best but I think the debt may have to come down more before you get offered them. Well done on the debt payments.

    I don't like running a near empty freezer either. It frosts up quicker and is less economical so I fill it with bags of frozen vegetables, loaves of bread and tubs ice cream. All stuff we use but cheaper than meat,fish or frozen convenience meals.
    Countdown to early retirement on 31.12.17 3.5 months to go.
    • quintwins
    • By quintwins 20th Aug 17, 5:27 PM
    • 5,029 Posts
    • 29,233 Thanks
    quintwins
    Thanks everyone, just having a quiet day. I'm not keen on an empty freezer either but I do still have loads.

    Got another £5 swagbucks voucher.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • quintwins
    • By quintwins 21st Aug 17, 11:50 AM
    • 5,029 Posts
    • 29,233 Thanks
    quintwins
    Just logged into my vanquish card and the interest has now been added for this month, I thought it already had been but I was reading it wrong looks abit less heathy but will still be closed before next statement.

    Hubby reminded me of a bill I had forgotten about so the £150 I had planned to pay off my debt today is going to it which is abut gutting if I'm honest.
    Last edited by quintwins; 21-08-2017 at 11:52 AM.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • quintwins
    • By quintwins 23rd Aug 17, 11:35 AM
    • 5,029 Posts
    • 29,233 Thanks
    quintwins
    Feeling abit blah here. Been really sickly this last week. Spent £29 in lidl last night on the usual milk, bread, yogurt cereals and cheese. Kids are expensive lol. Paid £20 off my vanquis card just so I could feel like I'm getting somewhere, I have decided I don't like the end of the month, it's like limbo.

    Added another £20 to my emergency fund (I suspect I might end up using this to pay for the labor on my car) I'm up to £23.37 from skimming my bank aswell.
    Last edited by quintwins; 23-08-2017 at 12:26 PM.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • quintwins
    • By quintwins 7th Sep 17, 11:01 AM
    • 5,029 Posts
    • 29,233 Thanks
    quintwins
    Hi folks I've been abit MIA. I've been very unwell but now I'm finally on the med after getting some tablets from the doctor. Moneywise things aren't going too well. car ended up costing abit more than planned. Means I won't be able to clear the credit card off as quick as I wanted to but it will be gone by next month and I still won't pay any interest on it this month. I'm looking at it that things aren't getting any worse which is would have if I hadn't started trying to sort things.

    I will pop back later with my end of august numbers, I got a new phone so I'm having issues getting some of my totals.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • quintwins
    • By quintwins 7th Sep 17, 11:24 AM
    • 5,029 Posts
    • 29,233 Thanks
    quintwins
    ok that's depressing I am slightly worse off! my total stands at £27754! which means I've added £74 to my debt. However I'm paying £400 off on tue. Sep totals should be better. Considering my car ended up costing nearly £1k and we did school uniforms I'm not too annoyed.

    Total end august

    £1242/£28996
    4.2% paid

    Goals for Sep

    Don't add any more to your debt!!!!!!
    Last edited by quintwins; 07-09-2017 at 11:27 AM.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • redofromstart
    • By redofromstart 7th Sep 17, 12:02 PM
    • 308 Posts
    • 1,343 Thanks
    redofromstart
    I think that's something to be proud of, considering the car bill. If you hadn't been focussing then actually it would have gone up at least £1k.
    • quintwins
    • By quintwins 7th Sep 17, 12:58 PM
    • 5,029 Posts
    • 29,233 Thanks
    quintwins
    I think that's something to be proud of, considering the car bill. If you hadn't been focussing then actually it would have gone up at least £1k.
    Originally posted by redofromstart
    Yeah I guess your right and it needed done. We still have one other thing that needs done to the car which will cost around £300 but it can wait a month or 2.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
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