Massive debts

gargrave50

My new debt total will stand at £3715.14 once I have paid off the HBOS overdraft. I have the money here to do that, just need to ensure I receive a bulletproof letter from them confirming their agreement to my specific terms and conditions . Even better than I thought!

gargrave50

gargrave50 wrote: »

Unsecured Debts
Description......................... Debt.............Monthly...... APR
AA VISA................... ...... 1920.58........40.00.......... 24.9%
BOS VISA..........................4914.63...... 60.00.......... 22.53%
Cahoot................................886.07...... ...131.72.........12.7%
Alliance & Leicester............3898.09........164.31........ .12.9%
Barclaycard.........................1820.89....... .50.00...........25.97%
BOS Overdraft.....................699.97........30.00. ..........7.9%
Next.....................................1210..... ......30.00...........29.9%
Shop Direct Littlewoods........2128.32......40.00...........? TBC
Shop Direct Choice...............3260.24......50.00........... ?TBC

Total unsecured debts......20738.79......... 596.03

Look just how far I've come:T. From a debt equivalent to that of a small country, a long hard but entertaining slog to frugality and deal seeking:money:. So so so worth it, and on my way to Oz.

never_too_old

You have done so well,Have a lovely Christmas

gargrave50

Hope everyone had a lovely Christmas! We have had 2 no spend days - yesterday and today! Great way to start my road back to frugality.

Had a clearout of DS room today so found a huge car boot sale pile, and a few things worthy of ebay. Will make a start on this tomorrow. Off to start yet another dinner, and relax for the rest of the evening . Have a few unwanted gifts to ebay, and a few things to return!

Skint_but_Optimistic

Wow lovely, so so proud of you.

im sitting here, with my ebay.

let those pounds roll in.

x

Tonights fun is going to be questionnaires|! rock n roll.

princesst84

gargrave50 wrote: »

My new debt total will stand at £3715.14 once I have paid off the HBOS overdraft. I have the money here to do that, just need to ensure I receive a bulletproof letter from them confirming their agreement to my specific terms and conditions . Even better than I thought!

Well done, that is amazing :j

gargrave50

Skint_but_Optimistic wrote: »

Wow lovely, so so proud of you.

im sitting here, with my ebay.

let those pounds roll in.

x

Tonights fun is going to be questionnaires|! rock n roll.

Ah but wine with questionnaires - now that's a whole other kind of fun;).

Thanks for the kind message, I have to say I'm pretty proud of myself too! Now if only we get on Wanted Down Under, 2012 is going to be a fabulous year!!

Got my Xmas gift from my London girls yesterday over a Groupon afternoon tea . They have bought me an Australian Wine Tasting in Glasgow and they are all coming up to join me!!! Bless.

Anyway, gutting the house today so that tomorrow can be filled with debt busting duties. Picking up a few reserved bits at Argos later for my boot camp attempt at losing my waistline bulge.

Skint_but_Optimistic

its all good news.

I just saw my team go one nil up but it wont last more than likely, haha.

Yes wanted down under, looking forward to that. Hope it comes off!

bonsibabe

Have just come back online after a prolonged absence and have seen your new total! WELL DONE!!!!! Hope you and yours had a lovely christmas and much good wishes for 2012 ... heres to some serious debt busting for me! xxx

gargrave50

Hogmonay here we come!

More gutting of the house today - debt busting to be fitted in for a few hours this afternoon. Hubby is up the attic playing with wood, nails and things - professing to be converting the attic.