We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

SS's Debt Diary!

Options
24567230

Comments

  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    You know what? I've decided to go for the 6 months car tax and pay an extra £70 to my Egg card. :D

    Also next pay packet will include an extremely rare bit of overtime which will be more than what my remaining balance will be, so that means my Egg card will be cleared! :j :j :j
  • kathfisch
    kathfisch Posts: 3,042 Forumite
    Great to see you've started a diary type thread ss, I will certainly be checking on it regularly to keep up to date with your progress!! :)

    And, who knows, there might even be a bit of silliness and thread hijacking along the way, care to join me moozie? :rotfl:

    I would have dropped in earlier but have had a blitz on my dissertation and its almost done :eek: :j , hence this silly time of the night (morning) to be getting my MSE fix!!

    Seriously though, the more stories the better (although yours is considerably shorter than mine, he he!). Its great to follow someone's journey and keep it all in one place for posterity. :D

    Best of luck, bet you're looking forward to clearing that card! :j
    Don't stress, relax, let life roll off your backs. Except for death and paying taxes, everything in life is only for now... Avenue Q
    Official DFW Nerd Club - Member no. 003 :DProud to have become debt free... and striving to keep it that way
  • Lucifer
    Lucifer Posts: 173 Forumite
    Well done SS, Keep going...
    "I will be debtfree":p
  • Hey SS,

    You are doing really well - I am going to buy 12 months car tax in August - I am currently saving up £5 p/o stamps (buy one or two every couple of weeks) to help me pay for it - it just means I can forget about it for a whole year! But make sure you do whatever works for you.

    Thanks for starting this thread - they'll be lots more debt diaries soon - me thinks!

    scottishspendaholic x
    MBNA = £4,000 / Next = £925 (approx. tbc on 19/8)
    Tesco = £2,910.11 / Smile overdraft = £500
    Bank of Scotland = £2,782.83
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Good move SS. Am I imagining it or has your debt free date moved forwar? Twice?? 2010, then Dec 09 and now Oct 09.

    Good to see you so perky again.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Well went into HSBC to get the credit limit sorted out but the wait was stupid so I might ring them again and see if I can fax the letter over. Failing that will have to go in again next week!n :rolleyes:

    Had a pile of "financial" letters through this morning so was hopeful the BA Amex application letter would be in there! It wasn't! :doh: :rotfl:

    Money wise I spent;

    £4.49 on choccies for mothers day
    £1.25 on a birthday card
    £5.97 on toiletries

    Oh yeah! And £82.50 on car tax! :rolleyes:

    Also risked not paying the parking as it's a rip-off so got away with £2! :j :D
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Good news and bad news today! :rolleyes:

    Good new is that the £2,250 from my Amazon card is now on the 0% HSBC card! :j

    Bad new is that the remaining £2,151.13 is now costing me interest at 12.9%! :wall:

    Still haven't heard about the BA American Express card! :doh:

    Also still waiting for the £70 to clear off my Egg card which will bring that to below £100! :dance:

    Debt as of today:

    Egg (Limit - £500) = £169.60
    Capital One (Limit - £8,000) = £6,948.12
    Morgan Stanley (Limit - £2,700) 5.9% for life = £2,263.52
    Tesco (Limit - £600) 7.9% for life = £512.79
    Amazon (Limit £5,300) 0% - 21st March ‘06 - 12.9% = £2,151.13
    HSBC (Limit £2250) 0% - 14th December ‘06 – 14.9% = £2,250.00
    Tesco Loan 6.7% = £16,071.48

    Total: = £30,366.64
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Total spend for the day was £4! Spent that on a chicken burger and chips as a reward! Haven't worked out what the reward was for yet though! :rotfl:

    :think:

    Oh I know! Because it's Tuesday! :D
  • D&DD
    D&DD Posts: 4,405 Forumite
    SS did you say you had a virgin card?? (As in the branson fellow :rolleyes: )
    Have applied for one tonight online wondered if they are a good bet or not..are they fussy?? :D
  • Sleekit
    Sleekit Posts: 73 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    D&DD, the Virgin card is administered by the dreaded MBNA. They're ok as long as you don't try to contact them or ask anything of them!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.