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The Debt Free Birthday Club Challenge!

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Comments

  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I have paid another £100 to the egg loan - another step closer to debt freedom!

    Keep going guys, and welcome to new joiners!!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • SarahNeedle1872
    SarahNeedle1872 Posts: 6,166 Forumite
    £8.46 for me today :o
    'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Morning all!

    poppyjoe you're added to the list :D

    Well done for admitting the the debts you have, we will do as much as we can to support you to clear them :T
  • poppyjoe
    poppyjoe Posts: 174 Forumite
    Awww thanks everyone especially hopeful, flying_fresian and LondonAndy. I think you are right LondonAndy it is like a little bit of relief to get it over and done with. The light bulb has been flickering for over a year but it is only since finding the PAD thread that I have actually started tackling our debts. :o

    So £10 free scratchcard money cleared in my account this morning so that is going straight to it :T and OH ordered new mobile so £60 quidco :j has already tracked. OH is also going to try and get some self employed work, he is a web/graphic designer and has a few jobs that might come through so that would really start to knock down the debt.

    So thank you thank you thank you for making this a real possibility for me. When we are credit card free we can save to move home and have another baby! Don't want much do I?! :rotfl:
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PoppyJoe it sounds like you are making great progress - and a positive goal at the end of it like new house and baby will hopefully keep you on track!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • SarahNeedle1872
    SarahNeedle1872 Posts: 6,166 Forumite
    Hiya all, £10 for me today...

    Sx
    'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hey Sarah,

    Well done you for making another payment :j I'm a fully paid up PADder, so this thread would be massive if I posted all my payments :rotfl:

    I may have had a small DFW setback, but all should be clear in a few days, more details in my diary if you want to comment, I need advice!

    f_f
  • LondonAndy
    LondonAndy Posts: 1,326 Forumite
    Evening all!


    LondonAndy - WooooHooooo for your encouraging words to the newbie ;) and on your progress this month, yay to you :T Good luck with the new job, are you going to be a spy? :D
    QUOTE]

    Ah cheers double "F"

    No, I wish I was going for a job with MI5 but I'm no Adam Carter unfortunately ladies of the thread !

    FF - I know you work in the same sort of industry as me - I'm after a job with the regulator at Canary Wharf - they are recruiting massively at the moment and I think it would be a great time to join them as they have lots of work to do methinks! Long recruitment process but fingers crossed!

    Great news on the Quidco coming your way. They're good on the mobile cashback!

    Well done all on the thread !!
    Debt Free 25th August 2010 with PAD !!
    TARGETS : :D:D
    Save 12k in 2013: #068 : £7,305/£12,000
  • laura2481
    laura2481 Posts: 4,305 Forumite
    1,000 Posts Combo Breaker
    Hi all :hello:
    No major excitement on the DFB front for me this week.

    I seem to have been accepted for a 0% Virgin Card so hopefully will be able to transfer some or all of a card and start chipping away at it.

    I say 'seem to have been accepted' as i have not received any confirmation or have been told what credit limit I have- but I have received a PIN for the card so I'm guessing I have.. Seems a bit backwards if you ask me. Hey ho, I'll see how it goes!

    Night all! :D
  • panambi
    panambi Posts: 249 Forumite
    Hi guys,

    Not been on here for a while but just wanted to say my little baby girl was born yesterday, on her due date, at 3.11pm weighing 9lb 5oz!!! I'm so proud and happy - but it will take me a while to get back into debt busting routine!
    LBM 31/01/2009: £19,422
    Chrimbo crackers: £207.17/£510
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