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£77,366.35 reasons to be debt free!

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  • ?? Going to do a spreadsheet for my ebay

    Another spreadsheet - you go girl - I am so bad at working out paypal charges etc, do they have a formula on there, so I could work it out in advance?

    What's this about not doing as well as you had hoped. You now owe closer to £70k and when you started you owed closed to £80k - thats fantastic in my book :T
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • good point red mad curls sometimes we miss the bigger picture and we should be looking at the progress we have made well done imd you have paid a good amount slow but sure wins the race :D x
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Well done on the mothers day pressies and am so glad that your DH is taking it in his stride and budgetting well.You have paid a lot off and every time it goes down then that is an achievement as some months are hatder than others.
  • Hi imd how are you today?xx
  • Nelmer
    Nelmer Posts: 214 Forumite
    Do you have a diary, mine has made a massive difference to the momentum of keeping it going as it is too easy to keep burying my head.

    IMD I took the plunge, you're right these boards are great for help, suggestions and bum kicking!!!
    Natwest Card 27.06.10 (reduce every month) £267.63
    Gave up smoking 16th July 2007 :T
  • Nelmer wrote: »
    IMD I took the plunge, you're right these boards are great for help, suggestions and bum kicking!!!

    ooh looks like another diary I'll have to subscribe to then :D

    Kind of busy today but got disrupted by other people. Was busy doing spreadsheets and there was grumbling in the background about house being messy, ****hole we live in, no one does anything apart from me..............so I had a mood induced clean and it now looks sparkling! OH did lots of lovely food but made a complete mess of the kitchen in the process, which of course he didn't notice.

    Did ebay spreadsheet, think I'm selling things too cheaply although at a profit so is a learning curve and will up the prices just a little to make it more worthwhile.

    Did budget, we are in the red by about £150 which I am confident I can make up via ebay. This includes OH's unexpected trip to Dentists, £100 extra needed for car insurance, charity cheque for something I'm doing (long story....) and kids' extra activities that I wasn't even aware they were doing! Part of me grinds that had it not been for these extras then it is more off the debt but ho hum, life must go on.

    You are of course all right about my signature, it is going down not up and next month it should hopefully be even nearer to £70k! OH has a bonus coming soon which we will also put towards the debt.

    Off to iron now *yawn* and hopefully be back later to catch up with everyone x
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • ive so many diaries now you miss a day its like you missed a month is mse land the page difference is huge lol xx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Clean House - no debt busting
    Listing - MSN

    As they say in the good ole US of A - you do the math!

    My house is a MESS, need to do some washing (including of myself!) and DH made din-dins too, using all the pots!

    But I have listed loads and loads :)
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • Do you ever just wish for a stress free life, holiday completely alone without spouses, children, dogs, cats, hamsters and fish.

    Or simply a night without:-

    a trip to A&E only to get there to find everything is fine (after organising emergency childcare and leaving said children in tears) and also paying £5 for the car park without even going anywhere.

    the dog chewing the carpet/rug, eating food meant for others off the side

    the bath overflowing because some k**bhead left it running

    the kids moaning/whining/whinging about the fact that they have to go to bed but can't find it due to the damn amount of toys on said bed/floor/landing despite claiming it was tidy when they left it :wall:

    me screaming at some moving object for being useless/untidy/naughty...

    Aaaaaaarggggggggggghhhhhhhhhhhhhhhhhhhhhhh

    What a difference a few hours make - I may check myself into a hospice just for a break.....
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    A stress free life? Nope, wouldn't know how to cope if things were easy :rotfl:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
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