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Lucielle's daring debt free journey

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  • turfy6
    turfy6 Posts: 1,479 Forumite
    Part of the Furniture Combo Breaker
    Just caught up with you Lu, have been MIA again due to internet and life in general. Hope things improve with your Mum and sorry the theory failed again for DS. Next time he'll fly through. You sound busy as usual Im trying the weight loss yet again. We went to Dublin last weekend and DH took some photo's, I will lose weight!!!
    Visa £[STRIKE]5063 [/STRIKE]now 0. Loan 1 €[STRIKE]4885[/STRIKE] now 0. Loan 2 €29,590 now €0 as of 22/02/2016 Mgage €55000/ €23,639 at 01/02/18
    Proud to be dealing with my debts - DFW Nerd 1209 Keep on keeping on folks DFD FEB 2016 MGE FREE 2024 (hopefully earlier)
  • lucielle
    lucielle Posts: 11,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'd really like to get to the next stone barrier by Christmas. Managed to get some of the Christmas shopping done, just need to get it stashed.

    Had lunch out and mine was awful, at least I didn't eat too much. Got some mulled wine from M&S and 2 bottles of bubbly that were on offer and a bottle of Port.

    Went to look at the tile place on the way home and have got some ideas, need to contact the chap who can get us a discount and then get some costs in.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • lucielle
    lucielle Posts: 11,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well have been a very silly L and made a right c0ck up. We have 2 virgin credit cards 1 mine and 1 OHs. Mine is a zero balanace and OHs has the remaining debt. I have been making the payments every week and was shocked to print off the statement and find interest charged and a late payment charge. I've only gone and made the payment to my card with zero balance.

    I phoned virgin and they are making a refung on my card, halving the interest charged on OHs, as long as I make the repayment. I paid them there and then and have got the interest free reinstated. Still goes to show that an old timer like me can still get caught out.

    OH has cleaned the chimney and the hoover decided now was a good time to die. Left it for a little while and its working again. Think it maybe on its last legs.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • taxi73
    taxi73 Posts: 20,815 Forumite
    oops to the card but at least sorted now
    hoover may just be blocked filters
  • lucielle
    lucielle Posts: 11,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had a pretty quiet weekend. De-frosted the chest freezer and had a sort out, sorted out all the jam jars and now have space on top of the cupboards.

    Work wasn't too bad, a day nearer to Friday.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Oops to the credit card L, but at least you spotted it !

    I dont that once, except I thought I was paying myself for the month but instead paid the credit card ! The bank manager loved me but I was panic stricken !! :rotfl:
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • lucielle
    lucielle Posts: 11,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have deleted my card payment details off the internet banking details. Fingers crossed I don't mess up again.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    lucielle wrote: »
    I have deleted my card payment details off the internet banking details. Fingers crossed I don't mess up again.
    L

    :rotfl:I've paid the wrong money to a card with a zero balance before and had to ask for the money back :o It took ages to be paid back too!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Oops! Never mind you got it sorted.
    Are you paying for the bathroom upgrade L? If you're renting shouldn't the L/L do that? Or if that's not poss could you ask them to at least pay for materials?
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • lucielle
    lucielle Posts: 11,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We are doing the bathroom. The L/L won't pay for anything and as we've resigned ourselves to staying here we're trying to make it as nice as we can for little money. I know it does sound daft but it really gets you down living in a hovel. There is a thing called 'betterment' but I haven't looked into that.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
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