Penguins 24 month countdown!

taxi73

Sorry to hear about DS ..hope he recovers soon ..bless him.
That's a good idea about min payments until pressies sorted..and nearly another card cleared..that's great.

penguin83

I know cant wait to get rid of it - it is my last interest bearing debt as well - yeay!

I realised how sad I am now - I always do a new snowball on the first of Jan and cant wait to start next years - its worrying isnt it! xx

taxi73

Not at all worrying..wish none of mine was interest bearing but they'll come down quick enough.
Hoping to get offered 0% deals at the right time but if not will just press on.

penguin83

Fingers crossed for the 0% deals Taxi. Only reason the rest are interest frozen is because back in the dark old days we defaulted on some and they went to DCA's so credit rating is well and truly trashed! xxxx

taxi73

Mine aren't too bad..all loan totals inc amount outstanding inc interest.
Halifax 0%..really working on that
Virgin..normal rate as have paid the 0% but had a trapped balance..so really working on that one too.
A+L...O%..will be worked on as soon as Virgin as gone
Barclays and BMI ..6.9% LOB so min payment and a bit extra per month where possible
so will get there eventually

penguin83

Morning all, vague attempt from the sun to make an appearance here this morning - still bloody freezing though!

Spent most of yesterday clearing out my stable, have now officially moved out of there - very sad but it was the last thing I had to do - got the vets bill through yesterday as well seemed a timely arrival.

Dad had taken DD out for breakfast and DS is watching Ben 10 so grabbing a quick 5 minutes peace. Need to make some sort of christmas list so I can hopefully get all that finished this week and then its onto wrapping which I hate with a passion.

Paid 200.00 of OH's debt this morning and I am still on target to clear the MBNA card by Christmas.

Hope everyones well xxx

lucielle

Well done for getting the painful bit out the way.
L

penguin83

Thanks Lucielle.

Well into the christmas spirit now after watching Delia's Christmas thing off Sky+ - need to get the decs up soon, I'm such a big kid at heart!

Should be able to pay off MBNA tomorrow, I seem to have enough in my account even with a few more presents left to buy factored in - think I will be brave and take the plunge and pay it off - eek! xx

taxi73

That sounds great Penguin....another one gone...

penguin83

Thanks Taxi - well I took the plunge and paid the last 367.08 off MBNA so its gone :j:j

Down to the last 5 creditors now, when I started in 2007 I had 16 :eek:

Watch out N Power you are next! xxx