SS's Debt Diary!

savvy

southernscouser wrote:

Well my payments have all cleared other than Morgan Stanley. Here it is at worst and at best!

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


1st May 2006

Egg (Limit - £500) = £0
Capital One (Limit - £7,000) = £6,393.69
Morgan Stanley (Limit - £2,300) 5.9% = £2,228.57
Tesco (Limit - £600) 7.9% = £0
HSBC (Limit £2,250) 0% - 14th December ‘06 – 14.9% = £2,183.00
American Express (Limit £2,900) 4.9% = £2,762.70
Tesco Loan 6.7% = £15,773.86

Total: = £29,341.82

Well I just popped in to see how you were doing without me on your thread SS!! But I see you are doing just fine..........................Taxi for savvy!!



PS Nice one (ermmm that's the debt management and nowt else yah mucky pup!)

southernscouser

savvy wrote:

Well I just popped in to see how you were doing without me on your thread SS!! But I see you are doing just fine..........................Taxi for savvy!!



PS Nice one (ermmm that's the debt management and nowt else yah mucky pup!)

Cheers savs!

Doesn't seem alot but I know it is. Just frustrating to think of all the things I could of bought with that 5 grand! :doh:

The meters running BTW!

savvy

southernscouser wrote:

Cheers savs!

Doesn't seem alot but I know it is. Just frustrating to think of all the things I could of bought with that 5 grand! :doh:

The meters running BTW!

I know, I do the same thing, but there's naff all you can do about it except thank god you found this site and are more aware of the pitfalls etc etc, and have a great support network

Well partly thanks to you, I've set a goal for myself instead of just randomly paying it all

Damn, just missed that flippin taxi......................any chance of calling another one for me???

southernscouser

savvy wrote:

I know, I do the same thing, but there's naff all you can do about it except thank god you found this site and are more aware of the pitfalls etc etc, and have a great support network

Well partly thanks to you, I've set a goal for myself instead of just randomly paying it all

Damn, just missed that flippin taxi......................any chance of calling another one for me???

You should walk! More MSE style!

You can always borrow my bike?

savvy

southernscouser wrote:

You should walk! More MSE style!

You can always borrow my bike?

I'd like to say thanks........................but I'm finding it really difficult for some reason

To save my street cred I think I'll walk on over to the loans board :D

southernscouser

savvy wrote:

I'd like to say thanks........................but I'm finding it really difficult for some reason

To save my street cred I think I'll walk on over to the loans board :D

Don't you dare get a loan (boo, hiss)! We can restructure your money to make it more efficient! Post a SOA and I'll cast my over it! I'm making bethom do one aswell!

savvy

LOL don't worry, not getting a loan.....................I'm erm the board guide over there

Am thinking about a balance transfer at some point tho

MushyPeas

Hey SS
Just read your update, well done mate, have a free drink on me :beer: I'm too tight to actually buy you one!! . Have you calculated your exact debt free date? Just so I can clear that date in my diary MP

kathfisch

Congrats on the latests figures SS! :T

It must be frustrating to think what you could have done with the money but at least you are going in the right direction now, and at quite a rate :T :j

Well done! :beer:

southernscouser

Well I went to the tackle shop today and 'invested' £72!

That's not too bad to be honest. Got a load of stuff for my money and got a little discount coz I'm a regular. Thats why I like to buy in bulk. You get more off!

Most of that £72 is on stuff that will last the whole year aswell so thats pretty good!

On the plus side I have cancelled my Tesco credit card and have just cut it up! Really want to shred my statements to clear some space in my 'finance folder' but I won't until I've got the letter confirming closure! :rolleyes:

On a downer the interest from the Amazon card has come through at £6.36 which is now paid even though the account was closed last week!

Oh s***, just remembered I have no petrol and need to fill up before I go to work tomorrow! Might go in a minute actually! Fancy a Cadbury's Caramel!

Other than that my Morgan Stanley payment cleared. See new debt total below!

Cancelled a magazine subscription aswell! Was only £8.10 per quarter but I don't really read it anymore. Got a new one which I do read instead!

Bought a roll for my lunch and treated my mate to one aswell! Not sure why actually! :doh:

Have absolutely no money now and will be in my overdraft by a few quid but I'm not too worried as I get paid in a couple of days and the only reason I am is coz I bought the fishing gear today rather than leaving it until last thing on Sunday in preperation for Monday's day-out!

God I can waffle! I'm off for a bit! I can hear that Caramel calling me! :rotfl: