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

madmich666

Hi all Happy New Year :beer:

I've had quite a good day so far. I've paid a massive £1 to all my credit cards etc as told to by the nice guy at CCCS. I even went into town which is a big thing for me since upping my medication for my panic attacks had made me really nervous and I'm getting more of them at the moment. I treated myself to a cheap haircut (I've not had it cut since Feb 08) and I got a new handbag for £2 cos I had vouchers. I also treated myself to some hair dye.

On the plus side they have now decided I am actually entitled to Jobseekers :j

I had another arguement with Lloyds yesterday about my debts with them, they still request that I pay the full minimum payments I asked her how when I have no money and if they accepted shirt buttons and she hung up on me. How rude. That made me smile for the day though.

OH is treating me to bowling on the pier and a burger while we are out. Not very dfw (well it is cos hes paying) but we havn't done anything over xmas and thought we should treat ourselves. So off to count my 2ps for the machines to eat.

Keep up the good work everyone.

P.s Happy Birthday Mel. Hope you have a great day and enjoy your meal :beer:

BabyBetty

Hi everyone,

I have just sat down and going through all of my debt, and realised that I have a wee bit more than I thought:eek: . Oh well - still determined to clear it down as much as possible:D .

julie2710

Well I'm off the starting blocks at last!!!:j It has taken a while to get started but I knew that would be the case as I had stuff in reserve ready to start clearing some bits off. Plus I needed to wait for some statements to come in so I could see what I had cleared.
The biggest weight off my mind is clearing the GE loan which had deferred interest until March 09. It was 11,665 so a good start off my target of 35K - also they had just sent through a letter saying they had put their interest rate up!!!!:eek: Unbelievable!!
Also managed to clear another 493ish off my credit cards - will definitely be paying off at least one of those in full by end of March! and 610ish off my hideous mortgage!!!! Once the credit cards are cleared and I know what money I have left I will start making some overpayments!!
I was hoping to start some ebaying this week but may have to defer for a week as having to go away for a couple of nights for work, even though I'm on Mat Leave still!! Oh well.
So far so good with a great 12,768.90 paid out of my 35K target! Only another 22,231.10 to go:T

paybacktime2008

hypno06 wrote: »

Guesty, I will add you now - sorry I missed you!

Right, the spreadsheet (including guesty) is uptodate with all those who have "reported in" their progress to date and I am pleased to say that the amount we have reduced our debt by so far is:

£58,578.93

which, considering December is a difficult month, is a fantastic result!

Anyone who wants to update their totals, just let me know and I will happily amend the total!

Well done guys :T

Wow! Proud to be part of it!

Maisie_M

£200 for me off the overdraft today. Next payment on the 7th woohoo.

Happy new year all

hardworking_bob

Right then. Deep in take of breath. Been a member for ages and I often just look at these posts to get helpful hints and tips...

Today I took my £2K savings out of the bank today and will pay off part of my debts. Total unsecured debt of about £10,600. Will use the £2k to repay a credit card that I am paying interest on...

Got 7 debts presently:eek: and really need to repay asap as I get married in September. So as it stands I will owe £8600 once I have banked the £2k and sent the money to the c/c...

So I need to be realistic as I want to achieve my goal. I want to have repaid £8600 by August. I will have to assess the debt that I will accumulate from August onwards when paying for our big day!

Good luck everyone!

miss_corerupted

right i'm back after having my baby, we were in hospital a while and i've found myself to busy getting into a rountine till now.

I have furthur redudced my overdraft, just waitnig for it to go through and work out my monthly totals and shall update my sig

hypno06

Congratulations Miss C :j :j :j

Walshyboy84

It's been a slow one but I've finally started hitting the totals now!

£625 off for me but I've got plans for this year! Involves lots and lots of amazon thingys and stuff so fingers crossed for me!

MrsMoney_3

Hi Hypno,

Sorry it's a bit late, been away for the last week, I'd like to report that I paid off £546.14 last month.