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First one to clear 15k gets a paper hat
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CMD - I know, it's so exciting when you have bids on your items! I listed one on Thursday,there's 2 watchers and one of them has already bid on starting price of £4.99, hope a bidding war will start closer to end...And sunday I listed 7 items.No bids on those yet, but 5 people watching one of the items.Fingers crossed.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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Will definitely keep my fingers crossed for you and me! It is addictive and I just want to clear some space as well and pay more off my credit card. Glad you got your motivation back for listing on Ebay. The buzz that someone wants your stuff is great!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
I have been on Ebay for more years than I can remember but I still get a buzz from getting bids even if it is just 99p.
I think it's the fact that someone actually wants to give me money for something I no longer want. As a true MSE'r that just makes meProud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Thanks,new month, new start. Feel motivated again. I think I might of been putting too much pressure on and it just got me down. But excited about ebay, looking forward to my back pay and determined to have my first NSD of the month. Oh, and I managed to sell a book on amazon, which I posted today and the profit was £4.04. Also managed to buy one of BFs Xmas presents for £16.44 inc postage from amazon,so all in all, a good start for September.:)DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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I meant December of course!DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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My bf has just transferred a balance for me onto his new Barclaycard for 6.9% until paid off, so that is £3,300 at a cheaper rate, plus I have a Barclaycard with £7,000 on it for 6.9% until paid off. So that is off A&L so that leaves another £3,000 on it.
I rang Lloyds to cancel my Duo credit card and they offered me 0% for 6 months with a 3% fee so not sure if I should BT the rest of my A&L card as my A&L card have an offer of 0.9% until June or July next year (although that is still only 6 months.
Was going to open my tins but don't have enough money bags and I spent ages in the Post Office posting 10 parcels this afternoon that I didn't get chance to get to the Bank as I didn't get out of the PO until 4.30 so I just bought some food bags for £1 in Iceland.
Got lots finishing on Ebay tonight on my Business Account, just sold 2 dolls for £19.99 (new). Have 4 things on my Personal account finishing 2 have bids.Sealed Pot Challenge #0160 -
Wow check out the Paper Hat motivation we've all got going on!
Just checking all my accounts, loan, minimum payment and standard overpayment for 2 credit cards have paid out so thats pretty top stuff.
Also need to remember to pay my minimum payment on one credit card in the bank tomorrow.
So about £160 paid off today from menope change that £185
Wealth is not measured by currency0 -
Wow check out the Paper Hat motivation we've all got going on!
Have also done some more dooyoo and had an NSD today as well, so feel like I'm back on track. Have a great evening everyone0 -
Sob, mine is now dragging. A couple of payments have gone out but not the biggie and they aren't showing up yet and I am feeling too lazy to calculate the interest. Hopefully tomorrow I will know if I can make the big payment and can get the up to date figures.
Tomorrow either £500 or £1500 here I come£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
Excellent progress everyone. :A That paper hat prize is really working well as motivation CAFCGirl! :T I've got some more payments to make this month but not much...
I think January is going to be difficult if I go to the dentist as planned I will have a massive bill (£600) :eek: and therefore will be able to pay off much less!
Also my bank is putting up the monthly fee on our account - I'm thinking of either trading down accounts or using a cashback site to swap to another one. Problem tho is that OH is very attached to our current bank and also our RAC and Holiday insurance cover is linked to it. It might also require us to repay our OD...:eek:
If you wanted to use my ipoints referral link - You would need to pm me an e-mail address. If you don't want to do that - you may be able to join ipoints from another cash back site or go direct to www.ipoints.co.uk.:cool:Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250
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