My Debt Diary

Verbatim

Well done with extra cash James. How much have you got in your savings now?

Amazing that ss is sub £25k now, just seems like a week or so ago he was looking forward to being sub £30k.

Anniversary on 13th is of when we met. Also happened to be the date of both our mothers' birthdays, same date same year of birth! Both sadly dead now, mine before we met.

James240

awww Verbatim :grouphug:

although ur efforts in ur debt are going fantastic as well we should almost be debt free around the same time if im reading ur sig right :j

Ive now got £121.12 in my savings account now thanks to quidco and a few other winnings :j got a few more bits and pieces coming through on quidco as well so its reallly nice to have a little bit of money behind me

Verbatim

Thanks james.

I hope your stuff from Quidco comes through soon. :beer: Something in the region of £300 like ss would be good. :j Don't know how he does it.

Yep, it's certainly good to have the security of savings, in case anything unexpected comes up.

If you've paid off about £5k in 10 months will you have paid off the last £10k in another 20 months or less? Maybe less because doesn't the interest get less as the debt goes down? hope your dfd is sooner.:cool:

Our income has taken a dive this year. BUT previously we had an extremely good income and savings and we decided deliberately to buy stuff for our extension on cards to avoid taking out an even higher mortgage than the one we did take. The idea was to avoid interest by tarting and so far it has worked out OK, but I've been seriously worried with heart palpitations and sleepless nights. I'd never have gone ahead if I'd known our income was about to plummet the way it has. Still we're almost thro' this and I'm not so worried now and although the income is still way below what it was the future looks a bit more promising on that front and I'm hoping that my current tart will be the last, or if necessary just one more after that runs out in April.

James240

ur doing fantastic Verbatim and i so hope that this will be the last time that u will have to switch ur debt to another card :beer: :beer: Would it not be possible to transfer the amount on to a card that has a low APR for the life of the balance? :think:

and yeah haveing £300 like SS would be good :rotfl: although he has done his and his dad's Car insurance through it, and thats why hes got a fair bit coming back to him. To my knowledge i think ive got about £20 validated to come at the end of October and i have another £66.28 still tracking and to be validated :T So hopefully that will come through and i can add it to my savings :j

James240

Well just checked me bank account and my payment for my egg loan has come out, which is cool cos it means another chunk of my debt is gone :j

Now to try and knuckle down for christmas :rolleyes: :rotfl:

Verbatim

Well done james! It's great when another chunk comes off.

I'm currently on 0% so low life of balance will be the next step if I haven't paid it all off by April.

Keep on keeping on James you're doing great!

James240

Verbatim wrote:

Well done james! It's great when another chunk comes off.

I'm currently on 0% so low life of balance will be the next step if I haven't paid it all off by April.

Keep on keeping on James you're doing great!

Well once the payment is processed by egg on me loan ill adjust me figures in my signature :j, cos its come out of me bank account but hasnt come off the loan figure yet :rolleyes:

James240

arrrrrrrrrggggggghhhhhh just spent £3.60 on a baguette from the work canteen cos i got up late for work again me is not happy :mad: :doh: :doh: :doh: :doh: :doh: :doh: :doh:

djdymond

LOL maybe you need to put an alarm on your phone to remind you to set the clock!? lol

either that or put a post it on the alarm with "set me!" on it! im sure once you keep doing this the night before youll remember!

i take it you normally make your lunch the night before? or at least if you did that and were late, its definalty done? i know id feel so guilty buying lunch coz id forgotten!!!

Annie_Fanny

James - how can you avoid this? Could you keep a little stash of food somewhere, i.e. pot noodles, packet noodles (if you like that kind of thing?) Do you have access to a fridge, microwave etc?