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Lucielle's daring debt free journey

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  • beanielou
    beanielou Posts: 96,119 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the 5k:j :j
    Whats your highest APR debt then?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 96,119 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the £5k.:j :j
    Whatsa the highest APR debt then that will be going going gone?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 96,119 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry , dont know how that happened:rotfl:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • lucielle
    lucielle Posts: 11,548 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The first one is going to be the car which was due to end in June. I will have to let this months payment go as the cheque won't have cleared in time. After the repayment has gone that stands at £625.46 with an APR of 18% and will free up £188 per month. Then its the Post Office with £1535.55 freeing up £35, HSBC £1535.55 freeing £40, Abbey National £591.20 freeing £26. That totals £3903.72. I will wait until OHs car has gone through its MOT and the residual amount will go to Citi which is currently £7272.29. On average this should mean £72 extra per week to be thrown at the debts. Thats if I've got my maths right!
    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    That sounds pretty good to me! That extra £72 will help no end with getting the rest of the debt down a bit quicker!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Smamfer
    Smamfer Posts: 2,480 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    :hello: Hiya luc!

    Nice to see you have had a lil bonus and already planned for it...

    what i do want to know is...........

    How come your diary entries are 3 lines long and mine are 3 hours :confused::rotfl:

    Much love x
    2025 Wins ::
    *Gok Wan Ultimate Mummy Makeover - Jan2025
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  • lucielle
    lucielle Posts: 11,548 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Terrified I'll bore the few subscribers I've got to death! How's you?
    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
  • Wow - £72 pw = £288 pm :D that will sure make a big difference and will help BTB?
    Working Hard to be Debt Free - one day :A soon
    DFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100
    Total Nov07 £36000, Sep10 £1623:o:)
  • lucielle
    lucielle Posts: 11,548 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry, whats BTB?
    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
  • Sorry :rolleyes: Balancing the Budget
    Working Hard to be Debt Free - one day :A soon
    DFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100
    Total Nov07 £36000, Sep10 £1623:o:)
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