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
    • AdventureWanted
    • By AdventureWanted 8th Oct 17, 10:10 PM
    • 115Posts
    • 446Thanks
    AdventureWanted
    Adventure wanted, but first we must rid ourselves of debt
    • #1
    • 8th Oct 17, 10:10 PM
    Adventure wanted, but first we must rid ourselves of debt 8th Oct 17 at 10:10 PM
    Iíve ummed and aahed about starting a diary on here for a couple of months, but have decided that it is a good way for me to keep track of how our debt reduction is going and hopefully on those dark days when it feels like weíre getting nowhere I can remind myself of how things have improved.

    Anywho, Iíll give a brief overview of our life/debt.

    Iím a Mum to 3 Kids. Hubby is self employed and I Home educate the older 2 Kids. In August I finally had enough of our debts and decided to do something about it. After reading lots of diaries I downloaded ynab and took control of our budget. Our debts are due to a car loan, house repairs and mostly a lack of control over finances so monthly spending got out of control and we didnít really have much to show for it.

    As at 1 August (LBM) our debts were:-
    CC1 - £5,185
    CC2 - £13,470
    Cc3 - £11,400

    All of the credit cards are 0% and will be balance transferred to new 0% cards if we havenít paid them off at the end of the 0% deal.

    The future -
    We would love to travel. Firstly weíd love to visit every county in the uk and then travel further afield to the likes of Canada and Australia. Hubby and I regret not taking the opportunities to see the world pre children, but are now very keen to share these adventures with our kids.

    Weíd love to move to our forever family home, although we have no idea where in the country this would end up being in!

    And more than those above weíd love to have savings for our childrenís futures and not waste the extortionate amount of money we do each month on debt repayments.

    Iíll post my current debt situation post LBM in the next post.x
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
Page 2
    • jwil
    • By jwil 17th Oct 17, 2:47 PM
    • 7,736 Posts
    • 21,931 Thanks
    jwil
    Making a PAD every day is so addictive, and it's amazing how it all adds up in the end!
    "If you can dream it, you can do it". Walt Disney
    • mummy2threeboys
    • By mummy2threeboys 17th Oct 17, 7:07 PM
    • 640 Posts
    • 5,984 Thanks
    mummy2threeboys
    Hi Home edders here, So very sorry on the run and just saw this pop up and didn't want to lose it, will be back to read soon loads of love fellow adventurers
    debts various PAID off £4575:
    total £7681 £3107
    59.56% Debt free day jun 2019 Aug 18

    Pay off all your debt Xmas 2017 Member 42 1118/ 4225 (26.46%)
    No buying Toiletries 2017 134
    • mummy2threeboys
    • By mummy2threeboys 17th Oct 17, 8:16 PM
    • 640 Posts
    • 5,984 Thanks
    mummy2threeboys
    Hi caught up yay.
    Hi I'm mummy to three lads (can you tell) Home ed for about 4.5 years ages 11, 9 and 6.

    You are doing really well! Pad sounds fun but I didn't ever understand it feels like shifting one debt to another (my bank account is in od) I did start well in Jan but way above where I am in my sig. I am burying my head a bit until after Christmas. I have a holiday coming up soon and Will try my best to not waste money.
    That's one downside of Home ed..the fact you can get holidays at a really really low rate but it's still money going out. I too Love traveling a lot.

    You mention subscriptions, do you know popart home education and learning begins in wonder on facebook? Both get discounts often huge ones on online subs, Mathletics I got for £13 instead of £59 , always worth joining up.
    We have lots of climbing clubs in Kent , keep meaning to take the kids to one of the Home ed Groups but we do so many clubs as it is plus we try to stick to the cheap or free meetups ,
    Heres some we do that are free/cheap Sometimes its just a case of you taking charge and heading a group or suggesting it if that's not your thing.
    Tesco Fork to farm healthy eating workshops Free
    local museum workshops £2 per child (But need a minimum of people)
    Another local museum workshop Free
    Pizza express and Frankie and Bennies do Free workshops
    Jamie Oliver free pizza/pasta workshop £2 per child Minimum of 10 children I think.
    I also became a WWF youth wildlife ambassador and a small group work towards badges free but badges £1
    RSPB do free Certificates to work towards
    Pdsa have animal protector clubs to work towards its £20 per level BUT you can split cost with a group
    DIY.org is a fab free fun and educational site to work towards badges (although it's us and badges are dear so I just print a paper one off)
    Local libraries Bookclub
    We also approach local businesses you would be surprised how many are happy to put on a tour. (Off to a pumpkin farm tomorrow for a talk and pick)
    And lots of museums not just local ones have school workshops we can participate in as a group

    Maybe teaching grandma how to suck eggs, but might be some use for you or someone else. If you know of anything else free/cheap as an outing would love to know.

    Maybe I should be brave and go see my debts again. Sigh.
    Oh yes there's a fab free printables/downloads group as well ill try find the link at some point

    £49 "saved" I didn't buy that adorable autumn leaves/pumpkins rockabilly 50s dress (sobs)
    Have a fab evening , hope to chat soon x
    debts various PAID off £4575:
    total £7681 £3107
    59.56% Debt free day jun 2019 Aug 18

    Pay off all your debt Xmas 2017 Member 42 1118/ 4225 (26.46%)
    No buying Toiletries 2017 134
    • AdventureWanted
    • By AdventureWanted 18th Oct 17, 9:43 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    Hi caught up yay.
    Hi I'm mummy to three lads (can you tell) Home ed for about 4.5 years ages 11, 9 and 6.

    You are doing really well! Pad sounds fun but I didn't ever understand it feels like shifting one debt to another (my bank account is in od) I did start well in Jan but way above where I am in my sig. I am burying my head a bit until after Christmas. I have a holiday coming up soon and Will try my best to not waste money.
    That's one downside of Home ed..the fact you can get holidays at a really really low rate but it's still money going out. I too Love traveling a lot.

    You mention subscriptions, do you know popart home education and learning begins in wonder on facebook? Both get discounts often huge ones on online subs, Mathletics I got for £13 instead of £59 , always worth joining up.
    We have lots of climbing clubs in Kent , keep meaning to take the kids to one of the Home ed Groups but we do so many clubs as it is plus we try to stick to the cheap or free meetups ,
    Heres some we do that are free/cheap Sometimes its just a case of you taking charge and heading a group or suggesting it if that's not your thing.
    Tesco Fork to farm healthy eating workshops Free
    local museum workshops £2 per child (But need a minimum of people)
    Another local museum workshop Free
    Pizza express and Frankie and Bennies do Free workshops
    Jamie Oliver free pizza/pasta workshop £2 per child Minimum of 10 children I think.
    I also became a WWF youth wildlife ambassador and a small group work towards badges free but badges £1
    RSPB do free Certificates to work towards
    Pdsa have animal protector clubs to work towards its £20 per level BUT you can split cost with a group
    DIY.org is a fab free fun and educational site to work towards badges (although it's us and badges are dear so I just print a paper one off)
    Local libraries Bookclub
    We also approach local businesses you would be surprised how many are happy to put on a tour. (Off to a pumpkin farm tomorrow for a talk and pick)
    And lots of museums not just local ones have school workshops we can participate in as a group

    Maybe teaching grandma how to suck eggs, but might be some use for you or someone else. If you know of anything else free/cheap as an outing would love to know.

    Maybe I should be brave and go see my debts again. Sigh.
    Oh yes there's a fab free printables/downloads group as well ill try find the link at some point

    £49 "saved" I didn't buy that adorable autumn leaves/pumpkins rockabilly 50s dress (sobs)
    Have a fab evening , hope to chat soon x
    Originally posted by mummy2threeboys
    Hi mummy2threeboys,
    Thank you for your post. I didnít realise those restaurants offered workshops - Iíll definitely be looking into this more. Most of the groups we go to are ones we pay for, but Iíd love to arrange more free groups soon. Youíve given me lots of food for thought. We are members of the popart group and our maths subscription is organised through that. (DC1 currently does maths whizz).

    Itís hard this time of year to think about debt when Christmas is coming up, but Iím sure when you do look into your finances there will be lots of people offering support. If you start your own diary let me know so I can cheer you on.xx
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
    • AdventureWanted
    • By AdventureWanted 18th Oct 17, 10:02 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    So, today has been very expensive, although budgeted for. I visited the half price toy sale at a large supermarket today and managed to not only survive the ordeal of gridlock and complete chaos down the toy aisles, but also buy 90% of the Christmas presents. Luckily (more like miraculously!) i have the money saved to pay for the gifts I got today. I was rather shocked at the total spend, as it didn’t seem like that many bits, but that’s the problem with toys nowadays, especially when you buy bits like Lego sets. Our extended family decided this year that we would only be buying gifts for the kids, which I’m very happy about, so that should save quite a lot of money (I have a rather large family).

    Managed to make a small payment of £1.55 to CC1 yesterday and a gigantic 43p today! It’s nice to see CC1 reducing. I can’t wait to pay it off and have one less card, which hopefully i will be able to do by the end of next year. Paying the smallest debt and getting rid of it completely at some point will be brilliant, but I wish I had more money to throw at the debts to reduce the other CCs to below £10k on each. I like concentrating on CC1, but then I remember about the other 2 cards and it’s all very daunting again.

    Anyway, that’s enough of my ramblings for the day. Now off to attempt sleep before DC3 wakes up again - teething sucks big time! So if this post doesn’t make any sense just remember I’m sleep deprived!!
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
    • AdventureWanted
    • By AdventureWanted 19th Oct 17, 4:52 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    Yesterdayís money saving expert email saying that the balance transfer 0% lengths are reducing has made us re-look at our finances. So we looked at all the figures this morning and it is all pretty depressing, although hopefully only really really dier for the short term. In all reality we wonít be able to pay off our March 0% balance (£2,523) or hardly any of the July balances (£13,000) on time. Also since DC3 was born 11 months ago Iíve really took my eyes off the ball and not been putting money aside for hubbyís self assessment, so at the end of Jan we will have a fairly hefty tax bill to pay. We have applied for a 36 month money transfer credit card to give us longer to pay off the debts. Itís most probably not the best decision in terms of the transfer fee we will incur earlier than needed, but it will stop me worrying quite so much about finding money to pay them off. Going forward I will be sorting out savings accounts for tax returns, emergency funds, etc and then any overtime DH does or additional funds will go towards paying off the additional debts asap. I could cry thinking that the credit card balance will be increasing and the figure will start with a 3 and not a 2, but hopefully in 6 months I can have it back in to the 20s, although it may only just be £29,999. In the last year when I didnít have a set budget (make that everything was bought on CC without a second thought) we ended up paying at least £1k extra every month out of business account to clear that CC. Hopefully now weíve got the budget under control, as soon as savings are sorted we could have that kind of money (or even half of that) as additional money to throw at the debts.

    Have rounded down our bank account and transferred £2.43 to CC1.

    Goals for the rest of the year
    ē £67.86 / £1.070 (0% bal ending in Jan)

    Once the money transfer is complete I will update my balances on here, but in the meantime I will continue on trying to pay off the £1070 0% balance due at the end of Jan. In the future I never ever want to be in this situation ever again. I would like to think of myself as a responsible level headed person, but I am completely ashamed about getting ourselves in this situation.
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
    • AdventureWanted
    • By AdventureWanted 20th Oct 17, 10:03 AM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    Pad today of £2.14 to CC1. Is nice having the balance at a rounded number again.

    CC1
    0% ends Jan - £1,000.00
    0% ends Jul - £3,120.00

    Hoping to have the top figure in the low 600s by the end of November.

    Going to spend the weekend looking through old clothes, furniture we no longer need, etc and listing them on gumtree and eBay. Any extra money made can go straight to debt. Also it will be nice to reduce the amount of junk in the house. Need to stop procrastinating and actually list bits.
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
    • jwil
    • By jwil 20th Oct 17, 3:33 PM
    • 7,736 Posts
    • 21,931 Thanks
    jwil
    Don't be ashamed. You aren't the first and you aren't the last. At least you are tackling it and not ignoring it!
    "If you can dream it, you can do it". Walt Disney
    • AdventureWanted
    • By AdventureWanted 22nd Oct 17, 1:12 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    Don't be ashamed. You aren't the first and you aren't the last. At least you are tackling it and not ignoring it!
    Originally posted by jwil
    Thanks Jwil. Itís hard not to be disappointed with myself, but like you said I am tackling it and one day I will be debt free.
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
    • AdventureWanted
    • By AdventureWanted 22nd Oct 17, 1:17 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    So the money transfer has gone through, so I’m going to list my updated debt balances below. I haven’t included the transfer fee yet, but will once I have my online account up and running to check the balance.

    CC1
    0% ending Jan 2018 - £975.00
    0% ending Jul 2018 - £3,120.00

    CC2
    0% ending Jul 2018 - £7,403.00

    CC3
    0% ending Dec 2019 - £11,170.00

    CC4
    0% to Oct 2020 - £13,000.00

    Total debt now £35,668
    Last edited by AdventureWanted; 22-10-2017 at 1:22 PM.
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
    • AdventureWanted
    • By AdventureWanted 23rd Oct 17, 5:06 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    The DD for CC3 came out today and was slightly less than i expected. Love it when the DDs have gone out and the balances reduce. Managed to pay an additional £5 off CC1 today and £1.41 off CC3.

    0% balance ending in Jan now stands at £970. Determined to pay this off on time.

    Had a look at the snowball calculator today, which was both incredibly depressing and also reasonably motivating. DFD currently stands at Dec 2021 (50 months away!). Definitely going to try and reduce this down. Iím hoping being frugal as well as overtime can get the DFD down. Would be great for it to coincide with the longest 0% date we have of 36 months, although that may be wishful thinking. But hey ho I think Iíll aim to shave 2 months off as goal number 1 and then see what happens from there.

    Revised goals:
    ē pay £970 balance by Jan 2018
    ē Get grocery balance to consistently be £280 p/m
    ē get emergency fund to £600
    ē reduce DFD by 2 months (to 48 months away)
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
    • crunch_time
    • By crunch_time 23rd Oct 17, 5:17 PM
    • 1,027 Posts
    • 2,757 Thanks
    crunch_time
    Thanks for reminding me that I need to do a snowball calculator for us once we have moved! We are going to take the scenic route for a bit so it will make things clearer going forward xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £7112 Paid off £120
    HMRC Savings £3222 £0 Long term savings (finally) £840
    • AdventureWanted
    • By AdventureWanted 24th Oct 17, 5:26 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    Another PAD made today to CC1. A bank round down of £4.69 takes balance to £4,085.91 (£965.31 to pay by Jan).

    Have been speaking to DH lots the last couple of days about our finances and think he finally has had his LBM. He is going to try and do a minimum of 2 day’s overtime each month, which should mean a reasonable amount extra to throw at the debt. I feel so much happier about our debts today. I’m really impressed with how things have changed over the last couple of months and going forward we shouldn’t ever be in the position we are in now. Even though our debt balance is high I am looking forward to the challenge of paying it off as soon as possible. I can see an end to the debts and now I’m on a mission to reduce the DFD (50 months) down by a year. So the first debt on the hit list is CC1. I want this definitely gone by July 2018, but aiming for March 2018.
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
    • AdventureWanted
    • By AdventureWanted 25th Oct 17, 10:30 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    Today has been pretty glorious. The sun has been out and it’s been warm enough to not need a coat. Went for a 2 mile walk with the kids, my mum & her 2 dogs. Really enjoyed it, although I could tell i’d walked further than normal as my hips felt stiff. Definitely need to incorporate more exercise into my day and walking is the easiest form of exercise, especially as DC3 loves being in the sling carrier so much.

    Paid £15.31 off CC1 today. Luckily still have money in my PAD account on ynab to be able to make payments every day until the month end.

    Did a quick top up shop at Lidl today and was really pleased that I spent just under £15. We had quite a lot of things and I had an awful feeling it was going to cost loads, so I was pleasantly surprised. Grocery total for the month currently stands at 279.24 (want groceries to consistently be £280 p/m). I annoyingly forgot to get a couple of bits at the shop, but as my shopping is currently at my desired level I’m going to try and avoid nipping to the shop until 1 November.

    In other news DH is doing 2 day’s overtime this week, so that should hopefully be a bit of extra cash to throw at the debts next month.
    • AdventureWanted
    • By AdventureWanted 26th Oct 17, 8:22 AM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    £6 bank round down paid to CC1 today. So the Jan 0% balance is currently £944. Need to review all the accounts either tonight or at the weekend, including the business accounts to see how realistic I am being in overpaying debt. The last thing I want to do is pay too much and then be in trouble later on.

    One of the DC’s swimming lessons is cancelled today, so that’s another bit of money i can pay off the CC this month. I am counting down the days now until payday. All DDs have come out of the bank account, other than a bit spare for CC payments each day. Looking forward to getting paid and being able to pay a larger sum to CC1. Can’t believe October is almost over and that next month DC3 turns 1. Luckily other than buying cards and making a cake DC3s birthday is sorted and for a lot less than I had originally planned.

    Anyway best get on, as got lots to do before heading out to swimming. Thankfully only have to sit poolside in the searing heat for half an hour today not the usual hour.
    • AdventureWanted
    • By AdventureWanted 30th Oct 17, 7:29 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    I haven’t managed to post on here for a few days, but I’ve still been making additional credit card payments. Finding it a bizarre thing in a way having a diary, as quite often my life is pretty boring and the daily PADs I’m making are small and make little different to the balance.

    Anyway today is Pay day - hooray! Have made a larger payment of £275 to CC1 today. Looking at my balances I'm definitely on track to pay the 0% balance due in January off on time. I’ve found that tackling one debt at a time is definitely the best way forward for me. It stops me getting quite as overwhelmed and demotivated.

    Month end debt round up:-

    CC1
    0% ending Jan 2018 - £580.00
    0% ending Jul 2018 - £3,120.00

    CC2
    0% ending Jul 2018 - £7,403.00

    CC3
    0% ending Dec 2019 - £11,060.00

    CC4
    0% to Oct 2020 - £13,000.00

    Total debt at 30/10/17 = £35,163.

    This figure is still scarily high, but I am looking forward to it being in the 34s at the end of November.

    Anyway best run now, I’ve got a mountain of work I need to do tonight.
    • AdventureWanted
    • By AdventureWanted 31st Oct 17, 7:53 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    Made a small pad today of £2 to CC1. Balance is now £3698. It’s so brilliant to have the balance now within the 600 numbers. Can’t wait until it’s less than £3500.

    I feel pretty happy this evening, in fact I have all pm. I managed to finish the work I have been labouring over this morning and handed it in, so it is a HUGE weight off my shoulders. This afternoon we took the DCs to the cinema to see the my little pony movie and then had dinner out at Bella italia. The best part is that we had Tesco Clubcard boost vouchers for both so was a very cheap treat.

    Need to finalise DHs tax return this week and then I can work out where we stand with our finances. Fingers crossed we have over estimated his tax balance and that we may have a bit extra to throw at the debts.

    Thankfully I don’t have any work to do tonight so I can watch the final of GBBO.
    • jwil
    • By jwil 1st Nov 17, 5:27 PM
    • 7,736 Posts
    • 21,931 Thanks
    jwil
    You are doing really well

    I feel the same about the small pads, but then you look at the end of the month and realise you've paid off a portion without thinking about it. £1 a day is £30 a month, not that small an amount!

    Fingers crossed the tax bill is lower than expected
    "If you can dream it, you can do it". Walt Disney
    • AdventureWanted
    • By AdventureWanted 2nd Nov 17, 7:34 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    Thanks Jwil.

    Yesterday the monthly DD came out for CC1. I upped the monthly dd from this month onwards to be a fixed sum for CC1, CC2 & CC3 rather than just the minimum which reduces each month. Yesterdayís dd and a small pad, along with todayís pad of £14.50 has meant that I have paid off 30% of CC1 since my LBM.

    Debts at 30/10/17
    CC1 - £3,700.00 Todayís balance is £3,629.50. Paid £70.50 so far this month.
    CC2- £7,403.00
    CC3 - £11,060.00
    CC4 - £13,000.00

    The 0% element ending in Jan is now £509.50. Iím quietly confident that I can pay this off in December, which will then give me 7 months to try and reduce the remainder of CC1 & CC2ís balance before I would need to balance transfer. Think Iíll continue to concentrate on CC1 as itís the lowest balance and hopefully I can pay it off completely by July.

    In other non debt related news Iíve had a mixed day. DC1 & DC2 did the best swimming ever at their swimming lessons, which was fantastic to watch and Iíve managed to persuade my very reluctant and anxious DC1 to read a few pages of a new reading book (Biff, chip & kipper time chronicles) this evening, which was an amazing win. The downside is I dyed my hair this morning and my usual dark brown hair is now black!! Aaah I could cry!! (I am very pale and look pretty ridiculous!). Canít believe itís happened as itís the normal colour I use and I didnít leave it on too long. My DH thinks Iím crazy for being so down about it, but even though I know itís only hair and itíll grow, itís just such a shock!
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
    • AdventureWanted
    • By AdventureWanted 2nd Nov 17, 7:35 PM
    • 115 Posts
    • 446 Thanks
    AdventureWanted
    PS. I know I’m being overly dramatic about my hair! I’ll get over it soon and stop whinging!!
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £3,583.95 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £11.060.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 30%. PAD challenge - £1,242.16 (since 13/9/17)
Welcome to our new Forum!

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

Forum Team Contact us

Live Stats

1,107Posts Today

6,757Users online

Martin's Twitter
  • I believe I can boldly go where no twitter poll has gone before https://t.co/HA0jC92gAK

  • OK I'm wilting to public pressure and there will be a star trek captain's poll at some point next week

  • I can get that. My order is 1. Picard 2. Janeway 3. Kirk. Too early to say where Lorca will end up (or would you? https://t.co/kawtCOe9RA

  • Follow Martin