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NEW - pay off £20,000 (ish) by Christmas 2009
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Had to pay something today so sent £30 to the nice people at virgin!£10 a day challenge for nov £0/£300
£10 a day challenge for jan £282.11/£310, feb £483/£290, mar £650/£310, apr £332/£300, may £440/310, jun £470/£300 jul £795/£310 aug £3660/£310, sept £510/300 oct £710/£310
£2012 in 2012 £8182.88/£2012 :beer::T0 -
Just withdrawn £10.10 from my free daily scratchcard. Not going to put this towards anything as *ahem* I have accidently gone into my overdraft (too much haste earlier this month!) and this is higher APR than my cards!Paying down the mortgage:
At 1 October 2011: £226,000
Currently: £224,499
Aim: 85% LTV (£212,500)
Paid £1,500
Target remaining: 88.89%0 -
morning, my regular loan payment of £421.85 came out today, so my total paid is looking a bit healthier!
my DH had a letter from one of his creditors this week - basically a 'make us an offer' letter on his outstanding balance of £469. DH is going to speak to paypal today to see what they have to say. but we do have £300 (which is pencilled in to clear CC1). does anybody have any experience of negotiating F&F settlements? should be offer half or start lower? any advice appreciated.Jan GC £0/£2000 -
morning, my regular loan payment of £421.85 came out today, so my total paid is looking a bit healthier!
my DH had a letter from one of his creditors this week - basically a 'make us an offer' letter on his outstanding balance of £469. DH is going to speak to paypal today to see what they have to say. but we do have £300 (which is pencilled in to clear CC1). does anybody have any experience of negotiating F&F settlements? should be offer half or start lower? any advice appreciated.
Jan GC £0/£2000 -
Afternoon all. Looks like I am not going to make it under £30k this month - we have MOT due in early March and I want to keep back as much money as possible in case we have a big bill. Keep up the good work all.
Theskintfamily - good luck with your settlement! Unfortunately I can't offer any advice thoughPaying down the mortgage:
At 1 October 2011: £226,000
Currently: £224,499
Aim: 85% LTV (£212,500)
Paid £1,500
Target remaining: 88.89%0 -
Hi, can I joint his challenge too or is it too late into the year? I could really use the support from the group on clearing debt, as when I add it all up it really does scare me!0
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The skint family - I woudl start a new thread if I were you - the people who can help most may not be looking at this thread.0
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£11.63 gone to 2 debts this morning, small payments but it all helps, need to wait till the end of the month now to see if i can make another biggy for the month, I am going to try and clear a card with the balance of £1577.00 in 2 months...Hmmmm, sounds like i am going to be skint then!!£10 a day challenge for nov £0/£300
£10 a day challenge for jan £282.11/£310, feb £483/£290, mar £650/£310, apr £332/£300, may £440/310, jun £470/£300 jul £795/£310 aug £3660/£310, sept £510/300 oct £710/£310
£2012 in 2012 £8182.88/£2012 :beer::T0 -
just paid an extra £10 towards the cc - not much but it all adds up!!GC: Nov: £60.22/£450 Oct: £338.48/£450, July: £363.05/£450, June £447.98/£500£2 savers No68: £104/£100 :j:jmummy to: 8yr, 5yr, 3yr, 2yr, 1yr. No6 Due Mar 2013 My world.:j0
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