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My Debt Diary
Comments
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Aww well done james. At least that helps.
how much do you reckon you'll be able to whack off your MNBA cc before the interest kicks in?
I'm not sure I understand why you'd rather pay interest now and keep the MB winnings until the end of the year. Wouldn't it cost you less to wipe out the MNBA before interest charges increase the debt? Just a thought.
Im keeping hold of the matched betting winnings for the moment cos i can earn more from matched betting than i will pay in interest
Basically i should be able to pay off approx £350-400 this month and then around £800 the following month so it should take me too long to smash that figure down to almost £0Savings Total so far for 2023: £8,062.580 -
Hiya everyone :hello:
Unfortunatley didnt recieve my new wages this month for my promotion :rolleyes: but hopefully should have a nice large sum to play with next month when i actually get paid me correct wages
This month i got paid £1131 sooooo my outgoings are as follows:
RENT £280.00
BROADBAND £0.00
PHONE £42.00
TRAVEL CARD £33.80
SAVINGS £10.00
CREDIT CARD £0.00
LOAN £303.71
O/DRAFT £25.00
TOTAL £694.51
So that leaves me with £436 left out of my wages.......
Going to keep £136 for myself for the rest of the month so that leaves me £300 to use as over paymentsIve got to pay off £52 minimum payment of my Morgan Stanley credit card, so that leaves me £248 to pay off my MBNA credit card
This month in total i will be able to pay off in total £590 off my debt this month which im pleased about, next month hopfully that should be nearer a thousand which i will be really pleased about
Its the home straight for me now and im feeling really really good aobut myself in that this last 1 and 1/2 years has been a real learning curve for me. Its taught me how to budget and how to obtain things that i would like cheaper as well (thank god for quidco :beer: )
Cant believe that when ive actually paid off all my debts that im going to have over a £1000 left out of my wages, this is really going to help when i start saving for a deposit for a house/flat
Life is looking that little bit better peeps
Savings Total so far for 2023: £8,062.580 -
Glad to see things are going well James, well done :T :TDFW Nerd #104 I :heartpuls my Kitten
and my hat :heartpuls
OD Girls on Tour 08 - Barcelona - HUGE SUCCESS!
OD Girls on Tour 09 - Dublin - November!!
If you believe you can achieve innit!
Sexy beer?0 -
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:rolleyes:
:rotfl:
as helpful as ever kipsSavings Total so far for 2023: £8,062.580 -
:A
I aim to [strike]annoy[/strike] please0 -
Great stuff James. Where are you planning on buying? Belgravia is nice they tell me!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 0420
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Great stuff James. Where are you planning on buying? Belgravia is nice they tell me!
Belgravia?? think thats well out of my league verbatim
Hopefully going to buy in the area that im in at the moment, but it would be a case of me saving as hard as possible for at least the next year with an aim of looking to buy in 2009.
Cross fingers that the housing market will have slowed down by then and hopefully be at a reachable level for meSavings Total so far for 2023: £8,062.580 -
Yep. Fingers crossed James. You'll have a nice deposit by then anyway.
The housing market seems to be slowing down, though not so much in the SE. Who knows what will be happening by 2009.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 0420 -
Yep. Fingers crossed James. You'll have a nice deposit by then anyway.
The housing market seems to be slowing down, though not so much in the SE. Who knows what will be happening by 2009.
yeah i know, its a little bit depressing at the moment though especially seeing how the housing prices keep on increasing out of my reach thoughhopefully by 2009 the housing market will have slowed down and be at a more obtainable level for me
Savings Total so far for 2023: £8,062.580
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