NEW - pay off £20,000 (ish) by Christmas 2009

Guesty6

£765 paid off this month and hoping to clear overdraft which was around £300 from last month

Keep up the good work all!

Pollydaydream

Morning all.

Congratulations richestorags .

My payday payments went out so in July I paid £789.60 bringing me to a total of £7143.67 paid off so far this year.

Well done everyone.

Polly

geranium72

wow some great figures up there - well done everyone

sarahs999

Managed to get two new credit cards this month for 0% balance transfers - Abbey at 15 months and Post Office at 12 months. I was hoping that I would only need one more card with a big limit but Abbey only gave me £4k; and I need 5.5. Don't know what the PO limit is yet as weirdly they don't tell you, even though they give an instant decision, but I'm pretty confident it will cover the £1.5k.

So, I believe these will be the last BTs I ever do in my life! Hurrah! And also, I'm feeling pretty chuffed that in the past five years, whcih is basically when we've racked up our debt, I've had our CCs on 0% all the time so I've paid not a penny in interest to anyone. I've almost run out of card providers now though so it's just as well we're on the home straight.... Is there a tart's award? I think I'm eligible!

Batfink

Ladies and Gentlemen of the challenge, please ensure you are seated.....

I have just, this very minute, sent the final payment to my American Express card - bringing its balance to zero.

*fanfare of trumpets builds up slowly*
Yes, it's true - I have completed my challenge!

I now have no loans, no overdraught, and no credit card debt AT ALL! HOOORRRAAYYYYY.

It's taken me almost exactly 5 years to reach this point - I feel like everyone I see should be congratulating me, but the fact is - not a single person in the 'real world' ever knew I had any form of debt, let alone close to £30,000.

Now - take a sip of water, so that you can calm down. There's still some bad news..... I owe just under £7000 on my student debt (though I am still a student with a year to go) and still owe £97,500 ish on my mortgage. So - onto the next challenge I go.....

Most importantly - thank you all for your support, for a group of people I've never met I owe you a lot. It's a brilliant bunch of people on this challenge, and I wish you all the best in everything. Not that I'm leaving, of course.

x

mel19632

Batfink...wow!!! I feel very proud of you (even though I don't actually know you!) This is such an achievement! Worry about the student loan and the mortgage later - today is a celebration!!

I hope you are going to carry on posting on this board though!!

Double_Trouble

Batfink wrote: »

Ladies and Gentlemen of the challenge, please ensure you are seated.....

I have just, this very minute, sent the final payment to my American Express card - bringing its balance to zero.

*fanfare of trumpets builds up slowly*
Yes, it's true - I have completed my challenge!

I now have no loans, no overdraught, and no credit card debt AT ALL! HOOORRRAAYYYYY.

It's taken me almost exactly 5 years to reach this point - I feel like everyone I see should be congratulating me, but the fact is - not a single person in the 'real world' ever knew I had any form of debt, let alone close to £30,000.

Now - take a sip of water, so that you can calm down. There's still some bad news..... I owe just under £7000 on my student debt (though I am still a student with a year to go) and still owe £97,500 ish on my mortgage. So - onto the next challenge I go.....

Most importantly - thank you all for your support, for a group of people I've never met I owe you a lot. It's a brilliant bunch of people on this challenge, and I wish you all the best in everything. Not that I'm leaving, of course.

x

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
:beer::beer::beer::beer::beer::beer::beer::beer:
:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T


What more can I say what a glorious day

The Mortgage free in three take 2 is starting in December why don't you take a look.

It gives everyone hope that we will get there too.

DTxx

Double_Trouble

sarahs999 wrote: »

Managed to get two new credit cards this month for 0% balance transfers - Abbey at 15 months and Post Office at 12 months. I was hoping that I would only need one more card with a big limit but Abbey only gave me £4k; and I need 5.5. Don't know what the PO limit is yet as weirdly they don't tell you, even though they give an instant decision, but I'm pretty confident it will cover the £1.5k.

So, I believe these will be the last BTs I ever do in my life! Hurrah! And also, I'm feeling pretty chuffed that in the past five years, whcih is basically when we've racked up our debt, I've had our CCs on 0% all the time so I've paid not a penny in interest to anyone. I've almost run out of card providers now though so it's just as well we're on the home straight.... Is there a tart's award? I think I'm eligible!

You tarty tart :rotfl::rotfl::rotfl::rotfl::rotfl:

Well done from my sig you can see I am doing the same but have a way to go so I hope the 0% deals keep coming.

DTxx

sarahs999

_party__party__party__party__party__party__party__party_:j:j:jBATFINK! OMG I'm so impressed. Doing a little curtsey right now in your presence. Well done! I hope you're going to stay on the board and let us know how you're getting on though...

sarahs999

Double_Trouble wrote: »

You tarty tart :rotfl::rotfl::rotfl::rotfl::rotfl:

Well done from my sig you can see I am doing the same but have a way to go so I hope the 0% deals keep coming.

DTxx

Why, thank you. I am quite a tarty tart, it's true. :j

I'm sure they'll keep coming as long as you manage it well. I've had about 15 credit cards in total I think; I kept the good ones and dumped the rubbish ones, though I still have about £45k of debt available to me which is mad. I never once got turned down for a card; as I spaced the applications and kept a check on my credit file. It's been just over five years so far and hopefully not much longer. I shall have a mass cutting up ceremony when it's over, leaving me with one, or perhaps two for emergencies.