The Debt Free Birthday Club Challenge!

Purpleclutterbuck

Thought I'd better get back into the DFB flow again!
The money has been going down very gradually with the extra payments:j:j
Unfortunately my mortage fixed rate is finishing soon and when I went to discuss a new rate the girl suggested a consolidation loan:eek: - with a saving of £200 a month:rolleyes: - I smiled and said "no thankyou!" as it would mean a longer mtge term :eek:
Anyhow I have decided to continue chipping away at the old credit cards for the next 2 years as I have a little policy due to mature and it will pay at least the cr*pital evilone card off which will be great!!!!
Take care DFB's:cool:

mooomin

Silaqui wrote: »

Oh dear poor FF. I imagine the conversation will not be very good on their way home... Still they may get to play the mighty Leicester City next season!

x

Looks like it *sob*

I'll meet you for a pint in the Toon one afternoon

Maisie_M

Hi Folks

Another £30 sent to Asda la vista - only £83 plus this months interest to pay, which will hopefully be £5 or less so will definately pay that off by the end of May.

June is going to be a quieter month as I am going on holiday for 12 days and instead of using my PAD money for PAD I am going to use it for my holiday spending money.

LondonAndy

Absolutley shattered after today's work. Roll on Bank hols...:cool:

Thought I would check in here as promised every now and again.

Well, MSE is so far helping me lots with my debt free journey....

Had a look at my credit reports and also ordered the score, just to check. I am glad I did as it's shot to pieces at the moment. I have a late/returned payment on my bank account back from when work paid my expenses in late in Feb (which I paid a day later from my own funds so will add a notice of correction for that) I am not on the electoral roll at the new place (faxed off the form today) and there is an old joint account open from four years ago with an old flatmate (who now does not work and lives overseas but I know has UK debts) so sent dissassociation for that. Phew.

Will take a while to clean up - I really wanted a 0% deal later in the year when the HSBC come up for attack. Egg is still tracking as open for 1 more month and will then close and Cap1 is on course for September clearing so I really hope this will help the score. Amazed O2 credit check let me through as I'm in the bottom 1/3rd of peeps at the moment. Grrr. Glad I wised up in January and started to tackle this lot.

Hope everyone on here is OK. Some great news stories going through. I am keeping up the PADs - just about hanging on in there until payday Friday!!

mooomin

LondonAndy wrote: »

Hope everyone on here is OK. Some great news stories going through. I am keeping up the PADs - just about hanging on in there until payday Friday!!

I get paid on Friday too :j

I am looking forward to making a big payment to the Debt Free By 30 Fund

How is everyone else getting on with their quests? It's been quiet on here recently...

SarahNeedle1872

Payday here on Friday too!

Sorry for being carp at keeping up! I'm gonna track back later and figure out what I've paid since I last posted

Sx

laura2481

SarahNeedle1872 wrote: »

Payday here on Friday too!

Sorry for being carp at keeping up! I'm gonna track back later and figure out what I've paid since I last posted

Sx

I wish it was pay day here Next Friday for me.. I seem to have spent my money quickly this month and on not much :rolleyes: Still, got enough to last me.. such a change from the bad old days!

Maisie_M

well paid £76.61 off the asda card today, and minimum payment due to go out tomorrow so hopefully that should clear it :j

minimum payment to Barclacard went out today as well. So that's a total of £106.18 paid off today.




Well done everyone else for clearing debts. Hope you get your credit score sorted Andy.

Maisie_M

£12.50 paid of in minimum payment to Barclaycard today. So ticker now at 3.6% paid





hope everyone else is okay and doing well.

mooomin

Morning all!

It's payday for me tomorrow, so time for my monthly update on my debts.

I was aiming to clear £6993.88 when I started this challenge. My outstanding loan amount according to Online Banking is now £6559.24 (This is just with monthly payments) I also have £370 in my Early Repayment fund and £36 in my Instant Access Savings, which is a total of £406.

*thinks*

If I take the money in my savings off the balance of the loan, then I owe £6153.24 which means that my ticker should be moving along nicely!