First one to clear 15k gets a paper hat

tirlittan

Hiya people! :hello:


Can I please join this challenge? Only found the thread today and you all seem such a lovely bunch.

As you can see from my sig, I owe £13,196.02 at the moment, most of it being my student loan which gathers interest at 9%. So I guess I should pay that off and have £1,803.98 in savings (I’ve never ever had anywhere near that in savings).

My first target is to pay off my Barclaycard (standing at £487.66 after paying £88 extra this month) by January as the 0% rate ends then. This should be doable as this month (started a new job 15/9) I got paid for 6 weeks instead of 4 (which I didn’t know) and so £200 of ‘extra’ pay will go towards clearing it. And next month I shall get some back pay, which will pay more of the card again.

Next year I have to balance paying as much as I can towards my Student loan and paying my Virgin CC. For reasons I won’t go into now, I didn’t pay anything in the first year I was supposed to of my student loan and so it has accumulated £2,243 worth of interest. L My plan with Virgin is to pay the minimum amount every month, but then the extra I’ve budgeted paying towards it every month I shall put into high interest savings account, so when the 0% interest ends in the beginning of September, I can pay a big lump sum. J

Well, that’s for starters, shall be coming back.

thriftymoo

hi all

my dooyoo account seems okay too

realised last night when i did my sums (pay day today) that i have calculated my debt figure in my signature as what it would be today lol so cant knock any payments off til next month - well can use extra ones but wont be able normal ones til then!

gonna have quite a bit spare this month so will stick it in savings and will update when i work out how much i have!

doodledo_2

Welcome to the challenge tirlittan:beer:

thriftymoo

decided to add £30 to savings to start the month and will try and add more each day

CAFCGirl

Awww Lysa thats a bit pants! bit optimistic were you? LOL

Hi Tirlittan.... welcome to the challenge. your plan all sounds good to me and well thought out.

I should start making more of a definitive plan as to what I'm paying and when etc, rather than just looking at the whole number..

CAFCGirl

£30 that was left of my overdraft i have now paid off my i.f.com credit card.

Now off to decide what to make for dinner
Hope everyone has had a good day.
I'm up to 9000 on dooyoo

too_much_debt

Welcome Tirlittan

I have a £2 coin to add to my tin and some change I got from the Shop earlier (not sure how much it is yet).

Am off to Primark tomorrow to buy the kids some clothes before they go off to Grandma and Grandpa's on Friday.

Didn't get any credit card statements today, used my Paypal money to buy a Xmas present rather than using my credit card so am proud of myself for that, now I'm back to 0 in my Paypal account though. Getting more listed tonight so hopefully will sell some more stuff.

It's quiet here today, are we all coming up with 'get rich quick' schemes? Do any exist? If so, let me know.

CAFCGirl

My work are crediting the hotel charges back to my credit card via the hotel (who charged my card and not the business card) so thats £150 that sould show up in my account soon.
When it does I will add it to my sig

The rest I can then claim from my petty cash. WOOHOO, will do that when Im back at work on friday... first thing I promise!

doodledo_2

:T Brilliant news that will bump you sig up :T

CAFCGirl

I see youre off the mark too. well done you xx