SS's Debt Diary!

Willsnarf1983

southernscouser wrote:

I know it's not a huge amount of difference but it's a physcological thing to know that you only owe twenty thousand something rather than thirty thousand something!

Its a MASSIVE differance bud and don't think of it being anything less!!!


well done

Will

shazzer22

hey, thats cool... can't wait to see your new sig when the payment clears!

moozie_2

Fabulous work SS :beer: Can't wait to see how tomorrow's calculations pan out

Enjoy the fishing!

southernscouser

Well I'm below the £30k mark so this is how things stand!

Debt At Worst

22nd September 2005

Egg (Limit - £8,600) = £2,933.02
Capital One (Limit - £10,300) = £8,093.97
Morgan Stanley (Limit - £2,700) 5.9% = £2,484.27
Tesco (Limit - £4,100) 7.9% = £2,899.54
Tesco Loan 6.7% = £17,857.20

Total: = £34,268.00

Debt Now

10th April 2006

Egg (Limit - £500) = £101.40
Capital One (Limit - £8,000) = £6,776.99
Morgan Stanley (Limit - £2,700) 5.9% = £2,228.57
Tesco (Limit - £600) 7.9% = £501.60
Amazon (Limit £5,300) 12.9% = £2,100.00
HSBC (Limit £2,250) 0% - 14th December ‘06 – 14.9% = £2,250.00
American Express (Limit £2,700) 4.9% = £0
Tesco Loan 6.7% = £15,773.86

Total: = £29,732.42


Am just waiting for the Amazon balance and £475 of the Tesco balance to be transferred to the American Express card. Have also paid the full Egg balance but am waiting for that to clear aswell!

dottyanne

Well done - it looks really good to see all your hard work down on paper - keep up the good work - youre really getting somewhere - hope im as good at this as you are..dottyanne............xxxxx

dinkylou

Well done SS, thats great news.

Look how far you've come in 6 months - 4.5k off your debt.

You must be proud - keep it up!!

southernscouser

Who would have thought I'd be happy it's raining?

Was going to take my car through the carwash coz I couldn't face washing it myself as it looks like I've been off-roading in it! The wheels are solid brown and I can barely see out of the windows! :rotfl:

But coz it's raining I haven't wasted a fiver! Might run outside now and squirt fairy liquid all over it! (just to say DON'T ever use washing up liquid to clean your car as the detergent in it damages the paintwork )!

Spent nearly a tenner on toiletries today! :doh: A fiver on aftershave balm! :eek: But I do need it coz shaving leaves my face on fire and it's the only thing that calms it down! :rotfl:

Also got my shower gel cheap! :dance:

Shouldn't spend anything else today!

Am still waiting for the Egg card to clear! :rolleyes: But the Amazon balance is now at 4.9% rather than 12.9%! :j

Got to wait for the next statement to make sure there is no interest charges then I will phone them up to see if they can offer me a good balance transfer rate. If not, laters Amazon card!

Lovestoshop!

Southernscouser,

What are you doing about your debt? have you negotiated with creditors etc?

Thanks

Lovestoshop!

southernscouser

Lovestoshop! wrote:

Southernscouser,

What are you doing about your debt? have you negotiated with creditors etc?

Thanks

Lovestoshop!

Hi Lovetoshop.

No I'm just paying them back as normal. Have shuffled and still shuffling the cards about to get them on the best rates possible then just paying as much to them as I can each month!

Lovestoshop!

How can you get new cards? I can't get any, think I have too much credit!