My Debt Diary

James240

well spent £5 tonight on petrol and £3.22 on some food in tesco's so ive still got about £3 odd left out of me budget which isnt too bad

still pleased that im within me budget and theres only a couple of days left for the rest of the week :j

James240

well its a good job that i didnt spend all me budeget during the week cos ive had to pay out for a train ticket today whcih was £2.30 :rolleyes: so it practically leaves me with pennies out of my budget :rotfl: but im still within me budget be it by about 50p now :j

Verbatim

James240 wrote:

:think: would be fashionable of they were ripped in the leg but in the crotch area? me thinks i may be arrested :rotfl:
The mind boggles. Don't think I dare ask how such a thing happened to such an area.:eek: :eek:

Is there something you're not telling us James????

James240

Verbatim wrote:

James240 wrote:

:think: would be fashionable of they were ripped in the leg but in the crotch area? me thinks i may be arrested :rotfl:
The mind boggles. Don't think I dare ask how such a thing happened to such an area.:eek: :eek:

Is there something you're not telling us James????

The jeans had worn slightly :rotfl: honest!! :rotfl:

Right well start of a new week for me budget was actually within my £20 budget last week (be it by a few pennies :rolleyes: )

Had to buy a loaf of bread, some sandwich ham and some apples and banana's for me lunches at work. That came to £5.59 so it leaves me with £14.41 for the rest of the week

Have filled in the cheque that i need to send of to Egg to over pay my loan which i should have done far earlier :doh: but im only going to be able to over pay by £100 cos my phone bill has come in more than expected again :doh:

Ive got another 6 months left on my contract and then im free to start looking at contracts and see if there are any better deals out there :think:

so all in all at the moment it not going to bad, im making more inroads with my matched betting and have nearly broken the £800 barrier :j

feeling optimistic this weekend cos everything is going well for me i even managed to resist buying pizza last night when all my friends were round cos it would have cost me a lot of money out of my budget (had me dinner before they turned up )

Everything is going my way at the moment and life doesnt feel like such a struggle what with paying my debt off. Im just really really geared up for finishing this off at the end of this year

James240

wooohhhooooo! :j :j monthly payment has come off my loan :j :j the amount that came off this month was £278.10 out of my monthly £305 payment. Just sent off my cheque for £100 overpayment this lunchtime (i know should of got me butt into gear much quicker ) as well so come the end of next week i will only owe £3633.86 on my loan :j :j from my workings out i will have finished paying my loan off by June this year :j :j and then it will be on to paying off my credit card :j :j :j :j

Verbatim

Fantastic james. Way to go!

Can you remind us how much you pay off your card each month or is it just the minimum so it goes down each month? Makes me sick to think that nearly £30 a month of your £305 gets gobbled up in interest.

We've fallen off the dfw wagon rather. Went out for a meal over the weekend AND had soup out and bought some wine. So off the wagon twofold.

Particularly stupid as this is turning into a nightmare month. Have to get the boiler fixed, roof mended, chimney swept and pay tax bill and accountants. Still don't know what the tax will be or whether I've got enough put by.:eek:

(I paid so much off the cc's last year to avoid paying any interest when I tarted and couldn't transfer it all). :mad:

I'm hoping the tax won't be more than last year. I'm just paying a smidgeon over the minimum payment on my last card debt now and am becoming resigned to having to tart one last time, if I can get another deal, rather than pay it all off in April. So maybe we'll be debt free about the same time after all. Not that I'll be due any of the "credit" that you've earned as I'm nowhere near as dedicated and self disciplined as you.:o

PeachPickle

Well done James :T

Looks like you have a nice healthy matched betting profit so far too!

James240

hiya verbatim and PeachPickle :hello:

Ive been paying minimum payments on my credit card balance and its on MBNA credit card at the moment at 0% for 6 months so minimum payment is only £5 a month :j

and yep me matched betting is going VERY well at the moment the money just keeps on rolling in

PeachPickle

I really am going to have to read that matched betting thread. How much do you need to start out with James?

youngandreckless

Hi James,

Can I ask about your egg loan? I know you are desperate to get rid of it, but how have you found it - any problems? I really like the fact you can over pay and I'm thinking I may try and switch mine so that I can use this feature, I don't know any other loans that do the same for a cheaper rate so would accept the 7.9% - has it been hard to be disciplined and over pay? My loan feels like a big burden and I really want to get my act together like you have.
Any advice would be gratefully received
Y&R x