Lunars next chapter

penguin83

I wondered where all my weight was going Lunar! You have an excuse to be eating lots of chocolate at the minute anyway.

Good on you for getting christmas sorted early - you will wonder what you used to do with your time once littleun is here! x x

Miss_Piggy_2

Congratulations on your pregnancy...and imminent birth!!!!

And well done on doing so well at clearing so much of your debt.

Miss P
xx

hypno06

That Christmas fund is looking good. I hope you are getting to put your feet up as well - life will get a little hectic for you in just a couple of weeks

frazzmunch

congratulations lunar!!:T its great to hear your news, you have managed to acheive so much over the past year and the next year is going to be so hectic with the new arrival, get your feet up and relax for the next few weeks...!!!:rotfl:

Naomim

Hi Lunar,

I don't know you but I just wanted to say a "double" congratulations for paying so much debt off and your imminent arrival!

Naomi x

lunar

Penguin, im hoping not to have time for all the chocolate once my little feller is here. Hopefully i can get christmas more or less sorted before he arrives!

Miss piggy, thanks for the congratulations, you seem to be doing a pretty good job yourself of getting rid of the debt. wish iwasnt so lazy and would spend some time with comps. it looks like you have had some good wins.

Hypno, i keep on finding new things to tidy every time i sit down! theres a first time for everything i guess.

Frazzmunch, does your sig mean that you have paid off your debts and are now cracking on with your mortgage? cant wait to be in that position, that does mean i would have to be brave enough to actually buy a house. i got too scared last time. think we will try again after christmas.

Naomi, thanks for the congratulations. everyones support on here is what has helped me achieve so much over the last year. well done on your debt reduction.

lunar

I sat and made out my christmas list last night. so now i know who i have to buy for, just need to figure out what to get for everyone. I think i willhave to pop over to the special occasions board as they always give me ideas. I did hampers for everyone last year which were really well recieved but i would like to think of something else this year.

I need to get logged into all my accounts as my direct debits come out today and i want to get my sig updated. it also means i can see how much i can think about overpaying on my egg loan. the interest has worked out at £65 this month on the remaining balance so i need to try get it reduced asap. its just a shame there is no way to transfer the balance to a 0% card now my credit score has improved. oh well i should just remind myself that i was previously paying about 34% interest on this balance so this is a massive improvment.

lunar

DEBT AT LBM AUG 07 £34310 DEBT NOW SEPTEMBER 22ND 2008 £17517
LOAN £8750 EGG LOAN £5667 NATWEST £3100
Snowball Jan 2012 JUNE 2010 4 WEEKS TILL WE ARE A FAMILY OF 3
DFW NERD NO.656 LONG HAUL NO 46 PAY A DEBT A DAY CHALLENGE-NW CARD
PAY A DEBT BY CHRISTMAS-OVERPAY EGG £800/£1500-£700 TO GO

lunar

Well, on updating my excell sheet and my sig i have now passed the half way mark on clearing my debts! I cant believe it, i know i still have a huge way to go, especially as my income will be drastically reduced in 2 months time with mat leave so i will prob only be making minimum payments. Im just so happy to have stuck with this.

Normally i am one of those people that starts things with loads of energy and has given up within a week! I think this is the first real long haul challenge that i have stuck to. I never thought i would get to this point when i started out.

I just wish the barclays site was working so i could have a look how much i have spare at the min to overpay on the egg loan.

lunar

Finally managed to get into my barclays internet banking and have made a £367 overpayment to the egg loan. I will definatly try getting it below £5000 this month. I wont have a credit card bill this month as i just did the balance transfer and the direct debit doesnt start until next month. I did pay the transfer fee off it though as i couldnt cope with increasing the total in excell and on my sig.

i was a bit naughty and had mcdonalds for lunch, the cafine filled coke has really got this baby kicking me, it was a bit of a suprise as i dont normally drink it.