Time To Start..

debt.b.gone

So i have now set myself a target for xmas 2009 of debts being reduced to £32635.39..........that would mean since april 09 LBM of £42048.69 i would have paid off £9413.30 in 9months!!

So wish me luck....i would be soooo happy if i achieve this. :beer:
It would mean reducing loan repayments down to £15567.42 and getting cc outstanding down to £17300. currently these are at £19855.32 & £20015.17 respectively.

The loan side of it shouldnt be too hard as these are standing orders and go out automatically. Its the overpayments on the cc's i need to work on! watch this space. :money:
x

debt.b.gone

Afternoon all.

Well its not really a big day for paying debts....but small steps and all that!!

My debt busting day looks like this...
20p to the sealed pot.
£3.58 to lloyds cc
£23.11 to virgin cc.

total so far for today £26.89.

I am however happy as we owe under £20k on loans and under £20k on cc's. this time last year the loans debt would have stood at just under £29k and the ccs probably at around £23k......So apart from the debt busting since june most of this debt has come down naturally in terms of min payments and standing orders. I cant wait to see the results in 12months now we are actually overpaying on cc's etc. :T:A

Right im off, might be back a little later with some more figures...if not it shall be tomorrow....to keep in line with my pay something a day!!

x

too_much_debt

Well done, you will be debt free before you know it at this rate.

I haven't done any payments today, only have £36 in the bank as my Paypal money didn't go in and I have 8 parcels to post, one is Special Delivery so will be £5 just for that.

Going to try and get lots listed this weekend on Ebay.

Have to go and pick OH up from up the road as his car won't start, he's just swapped from his van to the car and got tax.

Will check back later.

TMD

debt.b.gone

TMD - hope OH got his car sorted!!!

Just a quick update before i head to bed. Just finished 2 hours of paperwork adn now im shattered!!

Not a huge day but i have managed £31.80 in total. 20p sealed pot, £3.58 to lloyds cc, £23.11 to virgin cc and another £4.91 to lloyds cc.

we treated ourselves to tea out tonight......was scrummy!!
posted an ebay item off today...only made a pound...but hey and poung is a pound. waiting for a buyer to pay up STILL!! ggrrr....how long do i leave it before giving up...its been 4 days since they won the item now???

right see you all for another day tomorrow!! Hope everyone has had a fab day. :j
x

Double_Trouble

Just read through your diary very inspiring I note you are paying something off every day have you though about joining the Payment a Day Thread there is also a weight loss challenge included on the thread as well as I see you are losing weight too and it is a very friendly thread.

DTxx

debt.b.gone

afternoon.

DT.....I nip over nad join the p.a.d thread later :-)

well i feel like ive been hit by a bus today.....soooo tired and achey.

Anyway no payments made yet but will be making some later on. have transferred £23.11 from ebay sales to my bank account so will see that byt the middle of next week fingers crossed.

On a money saving note though....and continuing with my hope to get xmas sorted early this year...today i have purchased another 3 prezzies!!! 3 box set gifts of men's perfume!! RRP of £32 but on sale in boots for £9.99. A bargain i think!! So thats 4 out of 25 gifts i have now bought!! yey.

Am going to get my head down for a wee while now.....see if some sleep makes me feel better.

hope everyone is having a good DFW day. x

debt.b.gone

just the usual daily update for me.

have made some payments today so here they are:-
£64.03 min payment to mbna.
£116.92 min payment to barclaycard.
£5.00 to the lloyds o/d fund
£3.60 to virgin

Total today £189.55

Not bad really. So have update the sig as usual. Am evenmore determined to get these debts down now as the interest is ridiculous. going to make some phonecalls tomorrow to mbna to get the interest rates reduced...even if its just by a little! Did it a few months ago now but have just checked and one card has suddenly gone up in terms of interst again...only by a couple of £ but still!!! Will try my luck anyway.

Not much else to report. All min payments on cc's are now done for the month, as are the loans (bar the black horse will go out on monday). So whatever is left now is ours to spend.....which isnt much ah well....if i want to get these debts paid then i need to sacrifice having less money in my purse - for now.

off for a cosy sat night in on sofa now with salad for my tea!! yummy...will update my weight loss sig in the morning!! fingers crossed the dial on the scale will have shifted a bit.
x

debt.b.gone

ooo forgot to mention i kind of have paid off £100 to hsbc o/d.....interest free period ends on 19th of july so although i still have it available now im staying out of it....so thats another £100 for the month gone!! will add it too my sig now.
x

debt.b.gone

happy sunday everyone.

just another regular update from me.....this is getting boring huh??!!

payments made today:-
£5.00 to hsbc cc (we were naughty and have spent on it within the last 4 weeks so im going to make some extra payments off it throughout this month. it has now been destroyed!! lol)
£20.00 to lloyds saving account.
£5.08 to virgin

total for today £30.08

personally having a rubbish sunday. OH gone out and feeling like im the only one tackling these debts sometimes! I know i porbably get too wrapped up in it sometimes but i just soooo want it gone...or at least down. If we didnt have the cc's then things would be sooo much better. we pay out £500 on these a month!! its crazy!! I know my payments are sometimes small but look at how quickly they add up. I sat and worked out how much of the money over the last 20days has been additional to minimum payments and loans and its a over £500!! thats fab i think!!

aahhh im rambling now......will go make myself a cuppa and cheer myself up!!

oooo and i've lost 2.25lbs!!! only another 7.75lbs to go to reach July target of 10lbs loss!!

x

kadiya

debt.b.gone wrote: »

happy sunday everyone.

just another regular update from me.....this is getting boring huh??!!

oooo and i've lost 2.25lbs!!! only another 7.75lbs to go to reach July target of 10lbs loss!!

x

Happy Sunday to you
I don't think it's boring. I'm subscribed to you and come and come and read all the time...I think instead of boring, I find it quite motivating

Congratulations on the weight loss too, you are doing really well :T

I know what you mean about OH, I regularly have the same problem with my OH and feel like I'm doing everything by myself...they are such a different speciaes to us lol.

Hope your Sunday gets better
xx