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My Debt Diary

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  • Annie_Fanny
    Annie_Fanny Posts: 1,167 Forumite
    James240 wrote:
    wooooohhhooooo!!! my credit card payment has come off so thats another £109 off me debt :j only £28.13 till im under the big £10k mark :j

    I was hoping to do it this month which is a shame but its not a problem ill break it on the 1st November :)

    :beer:

    WOO HOO! YEAH JAMESY!
    "Debt makes plans for you" - A quote from my friend Catherine. How true!
  • ms_london
    ms_london Posts: 2,852 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    James my love, how are you? Just thought I'd say hi -what have you been up to? You're doing great with your repayments as usual - keep up the excellent work!! Anyway, hope you're alright.xx
  • James240
    James240 Posts: 16,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ms_london wrote:
    James my love, how are you? Just thought I'd say hi -what have you been up to? You're doing great with your repayments as usual - keep up the excellent work!! Anyway, hope you're alright.xx
    hellllllooooooo honey :hello: ive been keeping up to date with what you have been doing and u seem to be having a great time :beer: im doing fine although this morning i forgot me train pass had run out and had to pay £4.80 for a one way ticket when my normal monthly pass is is £30.80 :mad: anyway hope ur having a fantastic time and ill email u soon :kiss:
    Savings Total so far for 2023: £8,062.58
  • Imelda
    Imelda Posts: 1,402 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    James240 wrote:
    hellllllooooooo honey :hello: ive been keeping up to date with what you have been doing and u seem to be having a great time :beer: im doing fine although this morning i forgot me train pass had run out and had to pay £4.80 for a one way ticket when my normal monthly pass is is £30.80 :mad: anyway hope ur having a fantastic time and ill email u soon :kiss:


    Hey James,

    I've done this before, are you able to buy your monthly ticket today? If so keep your ticket that you bought this morning (if it hasn't already been taken by the machine) and you can get the amount you paid deducted from the monthly ticket, IFYSWIM.

    Hope you brought your lunch ;)
    Saving for an early retirement!
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Hiya james,

    Glad your payment has come off and you're within spitting distance of being under £10k.:beer:

    My new cc has not upped my credit limit but I've paid off the difference from some savings I have. They've also accepted that it's their error which delayed the process and means that the BT won't happen in time before the existing card's BT ends. They will therefore cover any interest caused by this.:beer:

    now got to scrape together the cash to pay off my other 0% card that finishes next month, having used most of the money I'd put aside for that.
    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:
    Hiya james,

    Glad your payment has come off and you're within spitting distance of being under £10k.:beer:

    My new cc has not upped my credit limit but I've paid off the difference from some savings I have. They've also accepted that it's their error which delayed the process and means that the BT won't happen in time before the existing card's BT ends. They will therefore cover any interest caused by this.:beer:

    now got to scrape together the cash to pay off my other 0% card that finishes next month, having used most of the money I'd put aside for that.


    awwwwww hun dont worry im sure u will do fine x its a good job that they have agreed to cover the interest u will incurr if the balance transfer doesnt go through on time as well, well done in getting them to do that :beer:

    Your doing fantastic hun and u really are doing a cracking job :j
    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
    Imelda wrote:
    Hey James,

    I've done this before, are you able to buy your monthly ticket today? If so keep your ticket that you bought this morning (if it hasn't already been taken by the machine) and you can get the amount you paid deducted from the monthly ticket, IFYSWIM.

    Hope you brought your lunch ;)


    hiya Imelda tried this at the counter when i went to get me monthly ticket but they werent having any of it :( even spoke to a manager and they said that they couldnt do it :( oh well i did try :)
    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
    :beer:

    WOO HOO! YEAH JAMESY!


    thanks hunny xx :beer:
    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
    well quiet weekend, for me but i have a sneeky suspicion i may have gone over drawn in my bank account for the last week :think: i really must check my accounts more regularly cos i think i may be over drawn by a fair bit :doh: will report back once i have checked out my online account :)
    Savings Total so far for 2023: £8,062.58
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Sorry to hear you might have gone overdrawn. hope it's not too bad. Hope you've had a good time tho'?

    Thanks for all your kind words James.
    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
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