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My Debt Diary

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  • jessicamb
    jessicamb Posts: 10,446 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    James240 wrote: »
    just in the process of funding her account with some funds to get it going :D

    Thats very generous of you ;)
    The early bird gets the worm but the second mouse gets the cheese :cool:
  • Kaz2904
    Kaz2904 Posts: 5,797 Forumite
    1,000 Posts Combo Breaker Mortgage-free Glee!
    Any way your Mum can open up a 0% BT card for you? How's your credit score looking at the mo? You're 7 months older than me! I want you to be DF by the time you're 30 now that you've said it's this year. You have 4.5 months +/- 2 weeks. So if you don't sleep from now until then and work a 32 hour day 8 days a week is it possible to make enough on matched betting?
    (I don't understand it at all I just re-read it over and over and it means so much less than nothing to me that the words just blur! - See I'm not that bright really!)
    I hope you are getting your 5 a day though?
    Debt: 16/04/2007:TOTAL DEBT [strike]£92727.75[/strike] £49395.47:eek: :eek: :eek: £43332.28 repaid 100.77% of £43000 target.
    MFiT T2: Debt [STRIKE]£52856.59[/STRIKE] £6316.14 £46540.45 repaid 101.17% of £46000 target.
    2013 Target: completely clear my [STRIKE]£6316.14[/STRIKE] £0 mortgage debt. £6316.14 100% repaid.
  • James240
    James240 Posts: 16,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    kipper wrote: »
    Get off ya bum and find one then...


    there ya go, I'm being as helpful as ever :p



    I still think you may do it, you have 8 months matched betting ( plus the ace up ya sleeve ;) ) who know's what that may rake in!.


    stick with it and be positive or ya will have me to deal with 2wf4vbm.gif


    :D

    yeah i know, im trying to be positive but its where i want to be debt free quicker than what im able to pay off at the moment, im trying to be positive though :)
    Savings Total so far for 2023: £8,062.58
  • James240
    James240 Posts: 16,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jessicamb wrote: »
    Thats very generous of you ;)


    Of course it was very generous of me :D:p :rotfl:
    Savings Total so far for 2023: £8,062.58
  • James240
    James240 Posts: 16,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kaz2904 wrote: »
    Any way your Mum can open up a 0% BT card for you? How's your credit score looking at the mo? You're 7 months older than me! I want you to be DF by the time you're 30 now that you've said it's this year. You have 4.5 months +/- 2 weeks. So if you don't sleep from now until then and work a 32 hour day 8 days a week is it possible to make enough on matched betting?
    (I don't understand it at all I just re-read it over and over and it means so much less than nothing to me that the words just blur! - See I'm not that bright really!)
    I hope you are getting your 5 a day though?


    awww dont worry about matched betting cos it does take time to understand how to do it :)

    As much as i would like to be debt free before my 30th theres pretty much fat chance of that happening :(

    That was my original goal, but unfortunatley its just too far out of reach to be achievable :)

    and im trying me best to get me 5 a day of fruit and veg :) Ill be looking to get another 0% card hopefully and get that transferred over just that its a large sum and im wondering if a card provider would give me that amount :think:
    Savings Total so far for 2023: £8,062.58
  • kipper_2-2
    kipper_2-2 Posts: 56,025 Forumite
    James240 wrote: »
    yeah i know, im trying to be positive but its where i want to be debt free quicker than what im able to pay off at the moment, im trying to be positive though :)


    Your doing absolutely fine the way you are... don't rush things, you'll get there and ya know damn well ya will :D
  • James240
    James240 Posts: 16,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    kipper wrote: »
    Your doing absolutely fine the way you are... don't rush things, you'll get there and ya know damn well ya will :D

    yeah i know, :) but thats doesnt stop me thinking about getting there sooner and thats why i get frustrated :o
    Savings Total so far for 2023: £8,062.58
  • kipper_2-2
    kipper_2-2 Posts: 56,025 Forumite
    ahem

    :o

    :naughty:


    :D
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Hi james,

    Been away for the weekend so am just catching up now. Despair not james. With your MB and "ace" coming into the picture things may look alittle rosier.

    Is the Ulster bank card I got for my OH (0% 6 months no fee) still available? I had to get the no' of the Belfast branch to get the application forms tho' as nothing happened from the email to apply. He got a 4k limit. Have you got any ccs with a 0 balance? By ringing "closures" and saying you want to close the account but can they offer anything on BTs, can bring rewarding offers. There's a thread on the cc board "Unnofficial offers for existing customers" or something similar. That's how I got my last 0% again 6 months no fee from LTSB.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • James240
    James240 Posts: 16,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Verbatim wrote: »
    Hi james,

    Been away for the weekend so am just catching up now. Despair not james. With your MB and "ace" coming into the picture things may look alittle rosier.

    Is the Ulster bank card I got for my OH (0% 6 months no fee) still available? I had to get the no' of the Belfast branch to get the application forms tho' as nothing happened from the email to apply. He got a 4k limit. Have you got any ccs with a 0 balance? By ringing "closures" and saying you want to close the account but can they offer anything on BTs, can bring rewarding offers. There's a thread on the cc board "Unnofficial offers for existing customers" or something similar. That's how I got my last 0% again 6 months no fee from LTSB.


    Thanks Verbatime will head over to the credit card board at some point and see if i can find this thread about the unofficial offers :)

    Unfortunatly the only credit card i now have is my Egg Card which as a £6000 limit on it but they really will only do the 0% thing once ive hit my anniversery period with them :)
    Savings Total so far for 2023: £8,062.58
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