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Hypno's "there's more to life than debt" diary.....
Comments
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That is how I felt about ours MiT.......The loans have been looking after themselves - reducing with no ability to rack the debt back up again, but the credit cards are higher interest, putting temptation in our way every time we fancy a takeaway, or fall shy of the budgets......so it was absolutely necessary to get rid of them.
In moneysaving news today I have just switched our house insurance - £9 a month cheaper and £50 back through quidco........hurrah :T
Right - must input a mystery shop, otherwise I won't get paid, and we can't have that now, can we!!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)0 -
Are you going to keep one CC 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.0 -
I have one that I have reduced the limit right down on - I can use this for mystery shopping expenses and then pay it off every month once the mystery shopping pays me out. The limit is not enough for me to go on a shopping spree or to book a weekend away - so fairly safe there!!
Other than that, I am happy to be rid of them!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)0 -
That's exactly what I am doing. I more or less ignore my loans. They get paid every month and are going down so for now thats enough. I am just concentrating on the credit card and catalogue debts I have and then I will think about them.Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
I have to admit, that if the loans were all "pay in full" to clear them, I would probably just leave them be and accept that the DFD will be in 3 years, or whatever, but because I have two of them that can be paid off in dribs and drabs without any penalties, it seems a bit of a non brainer really, and I will concentrate my efforts on paying them off in the same way as I did with the cards. 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)0
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Yeah it makes sense doesn't it.
Both my loans will be finished in around 2 years. I have never looked in to whether they have any penalties probably something I should do in time once the other debts are almost finished.
If penalties Ill probably leave them to run too and start saving instead :eek:Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
In moneysaving news today I have just switched our house insurance - £9 a month cheaper and £50 back through quidco........hurrah :T
Another square then.:j:j:jCCs @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 0420 -
yes, another square but not until it is received in my bank, and that might be some way off yet! "in the pipeline!"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)0
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Morning - well done on the insurance Hypno and the debt is still falling fast !!!
Have got a sore throat and feel lousy but have a full day at work followed by teachingfollowed by Open Evening at school that I'm a Governor at.
Catch you later maybe
Have a good day0 -
I hope you feel better soon. Surfbabe xSuccessful 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)0
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