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Can I clear a debt a month??

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  • Great, thanks! I'll keep an eye open as it sounds ideal!!
    Debt at 23/01/2007

    Dorothy Perkins £905
    Capital 1 £0 (Claimed £560 ish back in charges - £200 limit!!)
    Mastercard £1100
    HSBC overdraft 1250
    Natwest overdraft 1050
    Littlewoods catalogue 850

    Joined £2 club - £0 so far!!! :beer:
  • ehallett
    ehallett Posts: 1,960 Forumite
    Hi everyone

    Not done nearly enough of what I wanted to this week :rolleyes: .

    I have got up to £500 on AQA though which is good - I'm hoping to get to £600 or maybe even £700 if I can :j .

    I got a parking ticket on Thursday which wasn't good - I was parked on double yellows but I have got a disabled badge so thought I would be ok. I think it was because I was parked in a loading bay which I didn't realise. I have appealed against it anyway so hopefully I should get away with it or that's £30 down the drain!!

    I've won another couple of prizes but they are not suitable for my boyfriend. They are an Ice Age 2 DVD which I will Ebay today and a Thomas the tank engine train set worth £50 (hmm, maybe I could give this to my boyfriend? :rotfl: ). I haven't received that one yet so I will wait and see what it is like. I might put it away for my little cousin's birthday present (he's mad on Thomas) or I might stick that on Ebay too.

    I need to plan my next few days off in February in terms of getting things done as I've been hopeless this week - just sat around answering questions and watching some films (on a free 2 week rental trial with Amazon :D ).

    Oh well, back to the grindstone!!

    Emily x
  • ehallett
    ehallett Posts: 1,960 Forumite
    I have decided that the key to becoming debt free for me is 'comps & questions'!!

    I need the regular income that my work with AQA brings (up to £600 so far this month) to keep my head above water and have extra cash every month to snowball my debts.

    I also need the extras that competitions bring so that I can also chuck these at my debts to clear them more quickly.

    I have won around £200 worth of prizes this month alone as I won a sat nav at 3am this morning (the things I do for money!!). I can sell this for at least £100 and clear this off a credit card.

    Therefore, my life starting from now and ending when I am debt free is 'comps, questions, comps, questions, comps, questions'!!! (don't worry, I will look after my health too :o ).

    How sad will that be?! :p

    Emily x
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    Well done on winning the SatNav Emily! You've earned an amazing amount on AQA too - you'll be out of debt very quickly if you can keep it up. You say you have been hopeless at getting things donen this week, but you have achieved loads, and if you HAVE taken some time out to relax and watch some films.....GOOD!! You deserve it.
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • justruth
    justruth Posts: 770 Forumite
    Well done you Emily!

    Yeas I think that the jey to maintaining a regular second income might be AQA, however I am about to nag you again to sort out reclaiming your bank charges. It really is so very easy now, all the letters all already written for you, the court bundle is ready for you and you usually get an offer after the first letter or so.

    It really will amaze you just how easy it is and think of the interest you are paying out in the meantime!
    Debt £5600 all 0%
  • webitha
    webitha Posts: 4,799 Forumite
    ooohh im soooooooo jealous

    i enter loads of comps and havent won a sausage
    i must be just unlucky
    If we can put a man on the moon...how come we cant put them all there?

  • summerday
    summerday Posts: 1,351 Forumite
    Emily, please listen to justruth, the bank charge refund would be in effect money for nothing and it is soooo easy now to claim it. Please say you'll do it hun.

    Sarah x
    Yesterday is today's memories, tomorrow is today's dreams :)
  • ehallett
    ehallett Posts: 1,960 Forumite
    I promise I will do it - I am just trying to sort out my AQA account now.

    Apparantly my answers are not up to scratch and they have suspended me :eek:

    I've got a chat with my SR at 6:30pm tonight so I will let you all know how I get on.

    I really don't want to lose this job :(

    Wish me luck

    Emily x
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    Oh no, hope you manage to get it sorted - sending you some lucky vibes!
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope it went ok.
    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.
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