A Payment A Day Part 4

CommitedToChange

Really hard not to laugh on calls while reading this :rotfl::rotfl::rotfl:

Flower08

Bye Terri!! Dont drink too much!:rotfl:

Flower08

JulieK1313 wrote: »

Really hard not to laugh on calls while reading this :rotfl::rotfl::rotfl:

:rotfl::rotfl::rotfl:your taking calls while talking to us

CommitedToChange

Greenbynature wrote: »

Like to think all my callers look like this :T :T :T

Flower08

JulieK1313 wrote: »

Like to think all my callers look like this :T :T :T

In your dreams!!! :rotfl:

Greenbynature

Bye Terri lucky you with the wine I'm drinking coffee and scoffing choc chip cookies!!!

Paulgonnabedebtfree

Greenbynature wrote: »

Well done on the debt busting Paul your sig is looking really good :T

Thanks Green. The 4 grand a year challenge is a bit deceptive. I may have to pull that bit off as I was too busy working and too knackered to bother keeping records for a while.
As for the amount of debt that I've repaid since the year start, in one way it's better than it looks because that starting figure actually went up briefly and nudged 53 grand. So I've actually repaid about 7 grand since February. On the minus side, I haven't been putting money aside for my January '10 tax bill. That will be a big one because I had a big jump in profits during the relevant period and I will be nobbled for the money owing AND a large payment on account. So, after my holiday next month, it looks like it will be minimum payments to all debts for a few months and transferring every spare pound to the taxman. I just hope the LIBOR rates stay low as I come off my fixed rate mortgage very soon. Each percentage point will represent £70 a month so I have potential for trouble ahead.
I may yet have to re-arrange my debt repayments but should be OK so long as rates stay low for 18 months or so. That way, I can reduce my debts substantially leaving room for some mortgage fluctuation. There is no chance of me getting another mortgage deal due to LTV ratio, the need to self cert (if anyone is still doing that), and, quite probably, my age comes into play now.

angelicmary85

JulieK1313 wrote: »

http://forums.moneysavingexpert.com/showthread.html?t=378166

Not sure i can post links but I'll try :rotfl::rotfl:

txting sounds like the way forward!

Greenbynature

JulieK1313 wrote: »

Like to think all my callers look like this :T :T :T

I wish my OH looked like this!!

CommitedToChange

Flower08 wrote: »

:rotfl::rotfl::rotfl:your taking calls while talking to us

multi-tasking at it best :rotfl::rotfl::rotfl: