A payment a day............

Piquant_2

Hi Greenbynature

That makes me feel a little better,That I'm not the only one! The girl said the minimum payment would remain the same, but she didn't sound that certain to me. I plan on paying the difference each month as well ie £101 minus whatever the new minimum payment is.

Imagine how you'd feel to think you'd paid off £80 extra to discover you hadn't at all, how depressing would that be!

I will still keep an eye on it, but won't relax properly until I see the proper statement.

Misty_Blue

Another £1 to Egg and Next today. That's an extra £20 off my debt in just over a week.

girlieindebt

Hi Emily, can i join this as well please, sounds a really good idea :T

I am trying to concentrate on one debt at a time, so going to go with the largest debt of my Barclaycard, balance at £2,300.00, i aim to pay £10.00 a day, in fact have just transferred £10.00 across to the account now, so balance is £2,290.00.:D

Debt_Free_Dreamer

gelbean wrote: »

ok now i am confused just checked my barclaycard online and my pound payments were showing as pending however now they have completely dissapeared and only my minimum payment is showing - does this mean they ahve rejected them or something?

I hope not, I am paying Barclaycard too. :eek: I cannot access it online though, I have just never got round to it.

I have paid my £5 again today. Made my own lunch again, so planning another No Spend Day.

Debt_Free_Dreamer

jazza77 wrote: »

Hi - I only found this thread today, but you're all doing so well I'd like to join the challenge if it's not too late! I'd like to get the balance on my most expensive debt (Cap 1 Visa) down as quickly as possible. Don't get paid till next week so pretty skint at the moment, but have paid £7.65 to it today bringing total owed down to £1016.72:eek: . Interest due to be added tomorrow though:mad:

Jazza, welcome to the thread. Hope you get addicted like the rest of us and pay of those debts faster.

Tinkabell25

Hi, Well done to all those who are paying things off so strictly! I've decided to ensure i pay the bed debt first of all so that will be my main target until...well i reach it! (Payment is due in January) We need to save approx £950 so will be putting money into the bed account each day online until i've saved enough. Hope this makes sense! Also going to use all the money frm my Jam Jar challenge for this. Roll on payday...! Tink xx

girlieindebt

gelbean wrote: »

ok now i am confused just checked my barclaycard online and my pound payments were showing as pending however now they have completely dissapeared and only my minimum payment is showing - does this mean they ahve rejected them or something?

Hi, ya when i view my statement for Barclaycard on line, it says that you can make any partial payments of £5.00 and over so maybe that's why your £1.00's wern't showing? How much were you paying off a day?

jazza77

Thanks for the welcome Emily, DebtfreeDreamer and others. Seeing you all doing so well has certainly inspired me and as my Cap 1 visa has an APR of 29.9%:eek: I really need to get rid of it asap. After that I can work on the others with their lower interest rates (some on 0% BT). Looking forward to seeing my balance steadily decrease.

One thing I do hope to do to hopefully eliminate or at lease minimise interest on it is to keep the balance turning over (ie use it to pay bills etc. and then immediately pay off by transferring the exact amount from my bank account thereby hopefully paying off the whole balance on the statement - although I can't afford not to re-use it:mad: , but hopefully including my extra payments I can reduce the outstanding balance by using a bit less of my available credit each month. I'll need to be disciplined with myself though:rolleyes: - easier said than done, but should be easier with support from this thread:T

Little_Pickle

Hi there, my CC is Barclaycard and I have been paying off £2.00 per day with no problem.
The total is coming down and the payments are listed under 'recent transactions'.

As a tip, I have been paying with my debit card on the BArclaycard site, rather than to my Barclaycard from current account.

Do you think that makes a difference?
LP
xox

maz1964

hiya all and especially ehallett - ive subscibed here and have started today, and also have posted on another of my regular threads i contribute to, the DMP mutual support thread part 4 started by nearlyrich

and gave info on this thread there and what the idea is about, so hopefully a few more will check it out,

have a fun day all, going round the house to find all the pennys and such down sofas and back of drawers etc

a really good excuse to have a good tidy up ive been putting off for days - lol

so even housework is looking interesting hahahh

ciao for now MAZ