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Newbies' 10K in 2010 Challenge!! :)

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  • oreo7504
    oreo7504 Posts: 82 Forumite
    edited 5 February 2010 at 8:36AM
    I've got a big update today, but this will probably be the only big payment. As my last car payment has gone out. :j:j:j:T:T:T:beer::beer::beer: plus some other bills. I've had the money for a few weeks but didn't want to add it until the bill had been paid. So my total for today is £4851:eek: & I'm now offically poor until payday again. Think I'm going to do the night shift that is going tonight for extra money.
    Total debt £13318 :idea: paid £5660 Left to pay £7658 57%
    10K in 2010 challenge 6806/10,000 68%
    Clothes challenge 12/100 10%
  • lauhen
    lauhen Posts: 437 Forumite
    I have made my first payment of February to barclaycard for £149.01, so I am off to update sig.
  • Hi everyone,
    I've no totals to update yet, but just had an interesting 'chat' with Halifax when I called to close my cc account. They offered me a great deal (after some haggling of course) 4.94% for life of balance and upped my limit, which means I will be able to transfer here when my other 0% ends. I know its not as good as always keeping on 0%, but the credit card shuffle stresses me out, and you are always taking the transfer fees into account. I estimate that it will take us about 3 years to clear off at that :eek: Have to sympathise with Amatheya81 am feeling that I will never have 'a life' again :( My OH and I both hit the big 40 this year not sure how we will celebrate that on our new budget, the 'fun & frolics' colum is blank :(:(:(:(
    CC 1 Halifax £4350(4.9%)
    CC 2 MBNA £6260 (5.4%)
    CC 3 Barclaycard 8500(0%)
    CC 4 Tesco £2500
    O/D £3000:eek:
  • Blimey Orio it's only Feb and you've nearly paid off half the £10k!!! That's improssive.

    Maybe you need to treat yourself Peetzil. 3 years is an awful long time to go without some fun. I've got 3 years (atleast) before I'm debt free as well.

    I've just set myself a goal that once I have no debt I can treat myself by buying a 3D TV, they should be more main stream by then (they may have even figured out how to get rid of the glasses, they recon that will happen within 10 years)... I am aware that I'm absolutely hopless though, I still haven't finished paing off my last TV!!! D'oh :s
  • shadydaz
    shadydaz Posts: 377 Forumite
    Part of the Furniture Combo Breaker
    Got a terrible headache this morning :( Cleared up a bit now. Gone back into my O/D so figures will be skewed untill end of month. Will update tonight when peaceful (apris mon petit pois betimes)
    Was in debt £23k- Not now (12/07-12/10):T
    Did smoke- Not any more (26-02-11):j
    I am not perfect but everyone loves a trier don't they??:A
  • lauhen
    lauhen Posts: 437 Forumite
    I'm all booked up for wkend shifts for feb and most of march, so it's nice that I have some guaranteed money coming in for the debt.
  • Can completely sympathise with those who are feeling miserable about their debts. I get that way too sometimes. I am desperately trying to clear everything before I hit the big 30 in June 2012.

    To be honest, the only thing that really works for me when I am feeling down about my money is sleeping. (And it's free!) I find I wake up in a better mood and a clearer frame of mind.

    As well as feeling miserable I am also going through the "being angry at myself stage". I can't believe I was as stupid as I was when I got into this mess. I swear this is the biggest emotional rollercoaster I have ever been on :rotfl: !!

    Well done to everyone, just think where we will all be this time next year!

    WM x x
    LBM: 10/07/08 Debt @ Highest (est.) £24,100:eek:
    Debt @ 31/03/2010 = £14,462.56 :)
    Personal Challenge 2010 No. 2 = £14,000 total debt @ 30/04/10 :think:
    £10k in 2010 No.20 £2,862.70 / £10,000 (28%) :T
  • £211.07 loan payment today, so my month has started!

    I have decided to include my mortgage in my totals below. It is currently interest only so did not include it, however as I am (hopefully) transferring my card debt to 0% I have worked out via snowball that I will be better off in the long run paying extra off the mortgage instead of the cards.

    Also my mortgage rate is very good at the mo, so I may as well do it now and pay off as much as I can before they put the interest rate up.

    Congrats on all the totals so far this month!:grouphug:
    LBM January 2010 Debt £22,239.51 Mortgage £120,999
    10K in 2010 = £1520.48 15.2% LOAN = £11,819.92 / £1055.35
    CC1 = £940.57 / £67.06 CC2 = £2994.71 / £156.43
    CC3 = £3494.00 / £239.93 CC4= £2678.00 / £159.00 Mortgage = £120,999.00 / £0.00 [STRIKE]O/D = £126.81[/STRIKE]
    Total = £143,238.51:eek: / £1520.48 :j= £141,805.35 1.06%
  • Ooohhh I got a star!
    LBM January 2010 Debt £22,239.51 Mortgage £120,999
    10K in 2010 = £1520.48 15.2% LOAN = £11,819.92 / £1055.35
    CC1 = £940.57 / £67.06 CC2 = £2994.71 / £156.43
    CC3 = £3494.00 / £239.93 CC4= £2678.00 / £159.00 Mortgage = £120,999.00 / £0.00 [STRIKE]O/D = £126.81[/STRIKE]
    Total = £143,238.51:eek: / £1520.48 :j= £141,805.35 1.06%
  • shadydaz
    shadydaz Posts: 377 Forumite
    Part of the Furniture Combo Breaker
    Ooohhh I got a star!

    Well Done!!:beer:
    Was in debt £23k- Not now (12/07-12/10):T
    Did smoke- Not any more (26-02-11):j
    I am not perfect but everyone loves a trier don't they??:A
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