Skaps's "Will i ever be debt free?" diary

skaps

Not going to manage 18 NSDs this month, am up to 15 - will hopefully manage one more though.

Getting impatient waiting for the new ISA allowance to start. 1 more week left.

skaps

I bt another £1710 to the natwest as the Virgin cc bt rate of 1.9% runs out in June and I cant get any other credit card. When i phoned up Virgin they said I need to phone back nearer the time otherwise the APR will be 28%.

skaps

Am still waiting for the bt to go through, have transferred more money to the isa so savings are now £4726 which is 88%. £624 left to save before May - scary!!!!

Have declared 16/18 NSDs this month. There were 3 extra days this month compared to February but I still could not reach it. Target is the same for next month.

skaps

Need to try to bt the rest of the Virgin CC to my Santander CC. I have around £400 that I could bt so that would then leave me with about £450 left on the Virgin. Will have to wait till Tuesday to give Santander a ring.

My minimum payments will go up as Santander and Natwest are 2.25% of the balance whereas Virgin is £25 a month whatever the balance.

skaps

Am already thinking of the new 100 days challenge target when I have not even finished this one. If it starts on 1st May then it will be around £600.

skaps

Paid £26 so now I have completed the 1 debt vs 100 challenge. :j

skaps

Have just transferred money over to my isa. My brother owes me some money which he is going to put into my isa so will wait and see and then update total for wedding savings.

skaps

My debt free date according to my snowball is now april 2014 which was august 2014. I wonder what I can do to make it dec 2013? Will go and have a play around with this. Have just done a bt to the santander cc which hopefull will go through by Friday. Also another NSD today makes 4 for this month which is more than I had at this stage last month.

Forgot to say that I managed to get a £10 voucher for Amazon for doing surveys. Yay.

EDIT - If i pay £475 a month then I will be debt free by the Olympics, if i pay £315ish I will be debt free by Dec 2013. Can not manage to pay extra now, not till after the wedding so will have to wait and see how much I can pay off.

As my minimum payments are going to be quite high my 1 vs 100 day challenge will probably be £900.

Just realised i now have 3 stars. YAY.

skaps

Nothing to report apart from went grocery shopping and need to update totals for this. Waiting for my bt to santander from virgin to go through and for the money my brother has paid to show up in my isa.

skaps

Money has shown up and now am up to 91% - £4881.64. Cant believe im up in the 90% area. Have also transferred another £231.31 so new total should be £5112.95. This will be 96%. :j £238 left to save. Interest will be paid on the isa on the 10th of the month and I am hoping that the total interest for mine and the OHs isas will be at least £9.