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My Debt Diary

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Comments

  • kipper_2-2
    kipper_2-2 Posts: 56,025 Forumite
    ZTD wrote: »
    34121.jpg38150.jpg



    Nice nips, wanna see my cute buns?



    windowslivewriterbuntheredonethatyeastrollsin80minutes-128c0buns4.jpg





    :D
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Where is he???Too busy clearing debt to even come on here?

    Sea xxxx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • kipper_2-2
    kipper_2-2 Posts: 56,025 Forumite
    Sea78 wrote: »
    Where is he???Too busy clearing debt to even come on here?

    Sea xxxx


    Oh he exists... somewhere!


    He just a bit busy at the mo ( but he was online a minute ago :rolleyes:)
  • James240
    James240 Posts: 16,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    im here im here :rolleyes: :p once ive gone thorugh the smut that kipper and ZTD have posted :p ill post up what im going to achieve this month :D and cross fingers it will be a good one :D
    Savings Total so far for 2023: £8,062.58
  • beanielou
    beanielou Posts: 96,249 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    The wanderer returns!!!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • James240
    James240 Posts: 16,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    lol yes im very much still alive :p:D
    Savings Total so far for 2023: £8,062.58
  • kipper_2-2
    kipper_2-2 Posts: 56,025 Forumite
    James240 wrote: »
    im here im here :rolleyes: :p once ive gone thorugh the smut that kipper and ZTD have posted :p ill post up what im going to achieve this month :D and cross fingers it will be a good one :D


    :eek::eek::eek::eek:


    Its alive! :p


    And what smut? how is wildlife, tools and bread based products smut?


    :D
  • James240
    James240 Posts: 16,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nice to see im in my diary first this morning :p peeps quick question should i do 6 months Road Tax or 12 months Road tax :/ if i do 6 month road tax i get to pay off more of the 0% cards faster but if i do 12 months i save a little money (i think a tenner) any ideas what i should do? :)
    Savings Total so far for 2023: £8,062.58
  • ZTD
    ZTD Posts: 24,327 Forumite
    James240 wrote: »
    Nice to see im in my diary first this morning :p

    Well I did think about leaving a meat based product in your diary, but couldn't be bothered to find it so far back in the forum...
    James240 wrote: »
    peeps quick question should i do 6 months Road Tax or 12 months Road tax :/ if i do 6 month road tax i get to pay off more of the 0% cards faster but if i do 12 months i save a little money (i think a tenner) any ideas what i should do? :)

    You shouldn't be paying off your 0% cards. You should have the money in some kind of savings account, and just making minimum payments until just before then end of the 0%. That way you earn interest, and still have the money to pay it all off before the 0% finishes.

    So in short...12 months... ;)
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • Molanole
    Molanole Posts: 1,563 Forumite
    Debt-free and Proud!
    Hey Jamesy.

    Look at your debt total!! That's some going matey. :D

    I had a similar car tax dilemma in January. It galled me that buying six months would cost me ten pounds more in the long run but when that additional 60 quid meant me going into my overdraft I knew what I had to do!! August payment is already added into the budget spreadsheet. God, I'm sad aren't I?? :o :rolleyes:
    Debt Free Nerd No. 89, LBM: April 2006, Debt at highest (Sept 05): £40,939.96
    NOW TOTALLY DEBT FREE!!!!!!!! Woooo hooooooo!!! DEBT FREE DATE: 23 December 2009
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