Total Debt - £0.00!!

elisebutt65

:j Yeay!!! Got my student grant in and loan today - £2400!!!Woohoo!!!

Paid off my Capital One and B/Card in total!!! and popped them in water and then into the freezer(doesn't hurt them does it??)

Still got over £1000 left to pay for childcare for the semester and spending money for my uni field trip to Prague, and I can live off my CTC (£117/week) and maintenance if I keep within my budget.

First time in 2 years that I've had zero balances on my C/Cards and I'm going to try and keep it that way for good. Just keep them incase the washing machine goes bang or some other dire emergency crops up - lol. Then hopefully my next lot of loan/grant money comes in I can keep it all - well IngDirect can look after it for me anyway.

cmjohnson_86

Congratulations, Remember though only to use your CC's if it is the last resort. Dont want to get back into trouble with them. Well Done Anyway !!

mariannemarlow

congratulations!!

slowen

Congratulations & Well Done

it's feels better when you don't owe any money out, at one point I owed £1,500 (may not sound much too some people) on my credit card and I hated it and was using my overdaft to buy things before I got paid so when my wages came in the paid my overdraft off so I was going round in circles. The best thing that happened to me was I got glandular fever and got signed off work for 3 months and luckily I had taken the payment protection ploicy on my credit card so they started to pay my balance off and also I was on full sick pay and being quite ill I did not spend anything so this helped me clear my debts.

I owe £500 on my credit card at the moment but I have the money in my current account but I am leaving it their to gain interest and pay the balance off on the last day.

I don't fancy getting into debt if I can help it as it is far too easy and the banks are too generous by giving big spending limits and overdrafts

roversbabe

Congratulations, great feeling seeing that nil balance.

Nice one

rb