My Debt Diary

iwanttosave_2

James240 wrote:

yeah im alright hun thanks not much off a hangover just a feel really really tired.

Bit of bad news at the moment phoned up capital one and they said i had been turned down for there credit card

There going to send me a letter through so i cans see who they used, i thin it was expierian and equifax?? Bit of a bummer really cos i was hoping to get my CC Debt over on to that

Aww thats too bad hun But on the plus side I actually understood what you were saying :T

James240

youngandreckless wrote:

Slightly random and apologies if this has already been covered. I've posted on the loans board for info on the northern rock fixed rate loan as according to the website you can overpay it and theres no fee for paying off early and the rate is only 5.6% which is cheaper than egg and cahoot. Keep your eyes peeled on the loans board as I know you like the egg loan for the overpay benefit, but the cheap rate on northern rock could save you a few quid in interest...

Right just a quickie before i sit down and watch Batman Begins

Thanks mate :beer: will check it out, but first i want to get my credit report from who ever Capital one used cos my credit rating is pretty good so im at a loss to why i was turned down......

Right last night i transfered over what i have left of my savings which is £477 into my current account for two reasons

1. To clear my £50 that i had gone into my overdraft

and .....

2. To make an overpayment on my loan

Ive still got £800 to come back from my mum once she has sold her house so once ive got that im going to use that to make an overpayment in my loan as well

I get paid on this Friday coming so im hoping that my HR depatrment hasnt messed up on my over time, if they havent then i can make another massive overpayment which im hoping should take my loan down to approx £7000 including the additional overpayment im going to make from my savings.

I used to hate the end of the month coming cos it meant that i hardly had any money at all after my overdraft was cleared, now i cant wait for it to come so i can make more over payments on my loan :j

sorry for the little ramble just that im feeling in a very optimistic mood today


(and thanks Wanty hehe i may have been drunk then but i tried my hardest to make it readable )

James240

Ok inspired by the Mortgage Pig in the Mortgage Free Wannabe board this is my "Debt Pig" (ok jar couldnt find anything that looked like a pig :rotfl:)

This is where all me spare change will be going and when it gets kinda full then it will go to wards me debt :j

WOOOOOOOOOOOOOHHHHHHHOOOOOOOOOOO!!!! Debt free day here i come

moozie_2

James240 wrote:

sorry for the little ramble just that im feeling in a very optimistic mood today

James, you have every reason too! You are doing really well :T

It must feel superb to be making all those overpayments. I am very jealous and very proud of you :T :T :T

Keep it up, I love reading your success

James240

moozie wrote:

James, you have every reason too! You are doing really well :T

It must feel superb to be making all those overpayments. I am very jealous and very proud of you :T :T :T

Keep it up, I love reading your success

Thanks Moozie, im only able to make the over payments at the moment cos ive cut down on everything to an absolute minimum at the moment and im not really having much of a social life either what with trying to plough everything into clearing my debt and doing as much overtime as possible

Must admit i cant wait till the end of this week cos my overtime starts coming through and i should be able to make massive dents in my debt at the end of this week which will be superb, will keep up the honour of the "Nerds" and put all my energies into reducing my debt

kipper_2-2

James240 wrote:

Ok inspired by the Mortgage Pig in the Mortgage Free Wannabe board this is my "Debt Pig" (ok jar couldnt find anything that looked like a pig :rotfl:)

This is where all me spare change will be going and when it gets kinda full then it will go to wards me debt :j

WOOOOOOOOOOOOOHHHHHHHOOOOOOOOOOO!!!! Debt free day here i come

nice pic, how did ya do that then :rolleyes:


I'm only here to say good luck to ya xx


I'll be orf now

James240

kipper wrote:

nice pic, how did ya do that then :rolleyes:


I'm only here to say good luck to ya xx


I'll be orf now

errr.....yeah how did i do that? :rotfl:

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:


many thanks for helping me Kip ur a star :beer:

kipper_2-2

James240 wrote:

errr.....yeah how did i do that? :rotfl:

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:


many thanks for helping me Kip ur a star :beer:

I know



can I go now or ya gonna keep me up here all night :rotfl:

James240

kipper wrote:

I know



can I go now or ya gonna keep me up here all night :rotfl:

dunno.........u got any debt advice or ya just lurking again? :rotfl:

moozie_2

Let's face it, this is what's keeping all of us going

James240 wrote:

will keep up the honour of the "Nerds"

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: