Fresh tax year fresh diary ( i cant locate my other one) :D

Happytogetdebtfree

Yes work it out and then do whaat you have to to reduce the months left if it means doubling payment or triple payment stick that in savings when amounts ready ring and pay off unless they let you overpay good luck speak soomn xx

jwil

That's really nice of your brother, and will make a big difference. Not long til you are below the £50k mark now, how exciting!

Happytogetdebtfree

i know what a relief i feel a little more relaxed in the 40s i think and even more relaxed in the 30s lol

Choc-addict

Happytogetdebtfree wrote: »

i know what a relief i feel a little more relaxed in the 40s i think and even more relaxed in the 30s lol

Hey happy!

That's lovely of your brother to help, will really give you the boost you need. I'm on board with 2011 super debt busting!

It's amazing the difference it makes when you reach various milestones isn't it?!

Hope all is well xx

twinmum07

What a fab brother you have.
My first card for attack is also Virgin and they are just the biggest pain in the bum aren't they?
We have reduced interest on most of our cards, some have taken a few calls and given in and allowed us a reduction but others did it straight away. Virgin wouldn't budge, told us a load of rubbish. DH called up a few weeks ago and they agreed to reduce the interedt rate as they could see they had increased the interest rate in the past despite my having opted out of the raise but when the statement arrived nothing had changed. We rang back up and they then decided that i hadn't opted out and they wouldn't reduce the rate - grrr!!! We are going to keep calling in the hope we get somewhere one day.

Pippajo

Happy Christmas Eve!!!!!!!!!

Are you having to work over the holidays?

DH went to bed last night and said no alarm is to be set for 13 nights - woooooohoooooooo!

:rudolf::xmastree::xmassmile:xmassign::snow_laug:snow_grin:santa2:_party_:kisses3:

Happytogetdebtfree

Happy Xmas eve pippa I am working over the holidays but it all helps :-) towards paying the numbers down. Hi twinmum yes virgin are rubbish so they wil have to feel the wrath of my overpayments. So here's to making Richard Branson 2011 poorer haha

Woowoo

Have a lovely Xmas Happy, thanks for all your support in 2010 x

Happytogetdebtfree

Thanks woo woo you have been a rock for me this year so here's to a super 2011 x

Pippajo

Happy Boxing Day - we celebrated New Years Day on Christmas Eve as we hate the real one where you have to be "jolly" blah blah blah, so Happy New Year and Happy Christmas too.

I am now a "barista" and can make excellent latte's! Got a brilliant machine and all the accessories for Christmas - what did you get?