SecretSquirrel's debt free diary!!

SecretSquirrel88

Monday 27th Oct 08
Well the payment for the loan (£218.85) has gone out today which leaves the balance under £1000 finially!! Only 4 months to go on that one now.
Im going to pay all of the cards on Friday to make things easier. Might not be quite £200 on the barclaycard though but.. i will try to pay over £150 atleast. xx

SecretSquirrel88

Tuesday 28th Oct 08
Nothing really to report today. Still looking forward to making the 3 credit card payments on Friday. Bought a sofa and foot stool yesterday (much needed!) Which came to £548 which I thought wasnt too bad, and to make things even better, my SIL is giving us their £150 credit note from the same store as they said they wont need it. Paid £55 deposit, so only £343 left to pay in 5 weeks - wahoo!!

SecretSquirrel88

Wednesday 29th Oct 08
Nothing really to report. Moving out of our rented place to go back to OH parents in 2 weeks so money will be a little better then. can't wait til christmas!!

[Deleted User]

Just a thought - is it worth looking anywhere else for your sofas before you get them from DFS? You might find them cheaper elsewhere. I know it's 0% interest-free and it's very tempting (see sig!), but I hugely regret buying sofas on there with finance. Bought them in October 2006 - still paying and they don't look that great now...!
If you still have to buy sofas from there, then consider only buying one sofa or two small ones. Measure your space before you go and don't be swayed by pretty designs - stick to price! We bought a 2-seater and a 3-seater and if we had to buy from there again I would have bought a cheaper range, a smaller set and paid them off quicker!

SecretSquirrel88

Hi,

I bought a 2 seater sofa for £359 and a footstool for £159. £518 in total. paid a £55 deposit - will pay the rest on delivery - I do not have finance on them. Luckily though my SIL and her bloke have a credit note for £150 for DFS and they do not want it and are giving it too us, so if all goes well and we can take it off our total, I only have £343 (inc. £30 delivery) left to pay. If we cannot to this then we will get another footstool. thanks x

SecretSquirrel88

Thursday 30th Oct 08
Morning!! Well....having a quick look at the money situation this week I should be able to pay the following:

Virgin: £25
Mint: £16
Barclaycard: £130

Not as much as hoped but money has been a little tricky last weekend. Hopefully all back on track for the next payments!

Will write tomorrow with the actual figures that I have paid.

x

SecretSquirrel88

Firday 31st Oct 08
Well I have just made the following payments:

Mint: £16
Virgin: £25
Barclaycard: £130

Bringing the new total to approx. £5524.91

The reason I say approx as the barclaycard is 29.9% APR so im not sure what that is monthly?! Ive worked it out on 2.49% Cannot wait to get below the £5k mark

x

SecretSquirrel88

Friday 28th Nov - 08 Nearly a whole month - OOPS!
I have been lazy and not reported back! Balances are now as follows:

Virgin Card: £781.82 paid £25 today
Egg Card: 429.80
Mint Card: £705.75
Barclay Card: £2922.17 paid £100 today
Barclay Loan: £643.14
Loan from Parents: £350.00 (the sofas)

I also had £13.68 on a credit card which I paid and cleared today!

= £5832.68 + £5891.20 on my car finance = £11,723.88

SecretSquirrel88

Friday 5th Dec 08
Virgin: £781.82
Egg: £429.80
Mint: £690.75
Barclaycard: £2874.50
Barclay loan: £643.14
Parents: £300.00

Decided not to include my car finance from now on as thats an on going thing for 3 years.

New total: £5720.01 (lol, dont forget the penny!!)

SecretSquirrel88

Thursday 11th Dec
Virgin: £982.78
Egg: £429.80
Mint: £690.75
Barclaycard: £2724.50
Barclay Loan: £643.14
Parents: £300.00

Total: £5770.97

I have set a little challenge for us to make the debt under £5000 by 31st Dec. We hope to make the following payments between now and 31st Dec:

Virgin: £25 (do not have due date yet)
Egg: £45 (£15 on 18th, £15 on 19th and £15 on 23rd)
Mint: £15 (do not have due date)
Barclaycard: £250 (£220 tomorrow)
Barclay Loan: £218.85 (on 23rd)
Parents: £300 (£100 tomorrow, £100 on 19th and £100 on 23rd)

New Total : £4917.12 I really hope we can do this!!!