The Debt Free Birthday Club Challenge!

Silaqui

Hey Laura,

It could be that I reckon for the minimum payment, but it doesn't explain why the interest was higher - the interest charged last month was about 73 with the min payment about 77 - done nothing but pay off and yet this month it's charging me 77 in interest with min payment of 83ish!
Wierd!

I don't get this stuff. I've applied for a card with 0% balance transfers so hopefully I'll get accepted for that - got a feeling things might go stupidly wrong though as I checked my credit report and it's saying I'm not on the electoral roll! I rang the council today and they've said I am on it, so I'm gonna be mightily piddled off if I get declined for this card. Do you reckon I would be able to ask them to recheck if I got declined on strength of an incorrect credit report?

Just watching Man City v Hamburg at the minute - I can't stand man city so am rooting for hamburg, I'm half german so I'm allowed to do that lol
x

FeeFee

Hello all

Have failed in my mission to have my first ever NSD spent £1.60 on parmesan to go with dinner this evening :sad:

On the upside, previously I would have spent about £20 on whatever whilst I was visiting Mr T....:rolleyes:

Cleared out DDs bedroom and found some more stuff to ebay... not that anyone seems to be interested in the other carp I've got on there anyway:rotfl:

Hey Silaqui - can't shed any light on your banks random system but feeling your frustration :mad: hope you at least get the footy result you want!!

ehallett

Hi everyone

OMG, just worked out that to clear my debt in 24 months, I will have to pay an extra £600 a month :eek:. I'm just going to really push myself with making extra money over the next 2 years and just think about how much time and spare cash I will have when I reach my 30th birthday a debt free woman!!

I think my first targets are to pay my mum back £500 that I owe her and then that's all the family debt gone. I will then try and save a couple of grand and see where I can get the best F&F. I've got quite a few £1k-£3k debts so will try and get them out of the picture in the first year so I can concentrate on the bigger ones in the second year as this gives them time to shrink!!

Off to work on some figures for making money

Emily x

Mappygirl

Evening everyone,

Your all doing so well - it's giving me lots of inspiration!

Big smilies :D:D to everyone who is feeling a bit :mad:.

My few things on ebay have sold and made me £30 which will go straight off the credit card, although DH keeps on about buying some £50 alloys! Although I told him if he's determined to buy them then we will pay for them out of the holiday money I've saved (we go next week) Sounds a bit mean but I'm hoping to guilt trip him out of buying them ! He just doesn't get MSE!

The first debt I want to clear is the windows. They are 0% until Nov. I need £3890 to clear it. I've already saved a fari bit and fingers crossed after payday next week I should only need another £450 :j I'm definatley on course to clear it before my maternity leave starts in June.

Anyway, I think I've rambled enough for now! I'm off to bed because the bump is causing me to have cyattica (sp?) The pain in my bum (no not DH ) and leg is terrible, I can hardley walk!

Keep on debt busting everyone x

paybacktime2008

Barclaycard now down to 338.60 wahey.

Intergalactic_Floozie

Husband got paid today, £10.13 more than usual, I guess something to do with new tax codes? And my Child Tax Credit was £0.39 more than usual although I had heard it was staying the same this year? So, £10.52 moved into my savings account today

panambi

Found the new pregnancy grant in my bank account today so all £190 of it go towards OH's Barclaycard - must be near the £1k mark now :j

I have also joined Avon this week to try and make some extra pennies, otherwise I won't reach my DFB target! Hoping for lots of orders!

Mappygirl

Panambi - Firstly congratulations on your pregnancy! Secondly, how long did it for the grant to come through? TIA

I've got some overtime on Sunday so that'll be a bit extra in May's pay YAY!

Hope everyone is ok x

zigmeister

Hi, I've never joined a challenge before and this seems like a good one! Can I join please

I'd like to clear £2000 before my 21st birthday in 2010 :j

Zig x

panambi

Mappygirl wrote: »

Panambi - Firstly congratulations on your pregnancy! Secondly, how long did it for the grant to come through? TIA

Since the grant is a new thing from 6th April, I don't know how long it will normally take. The midwife gave me the application form when I was 29 weeks (mid February) and I sent it off straight away. But I think it only took so long because it's new and they weren't going to pay anyone before April. Should only take a couple of weeks I think.