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It will be GONE !!!
Comments
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Glad to hear you made it back ok HWG
Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
Well at least they will know just how difficult it is where you live.
Good to have you 'home'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!
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CC payments made and also decided to do the BT tried to do it online and it kept logging me out so i phoned and its all processed takes 4 days to go through.
As it stands now I have
£180 outstanding on Lloyds No 2
£60 in my purse this should be enough for food next friday
£60 coming from paypal/amazon
£200 in savings to make extra overpayments if we dont need it
£200 in current account but this still needs to buy petrol and DH cigs
Im expecting £100 in interest but still feel i will clear this and also pay a bit extra from Tescos. I will update Tesco outstanding balance over the weekend when i can see exactly what i can overpay.MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Woo hoo Lloyds number 2 is nearly history LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Almost Goodbye Lloyds but HSBC has shot back up again thats going to take a bit of work, I cant wait until January and then at least any payments go off the interest bearing bit first.
It wil be interesting to see how much less interest I am charged now I have 1/3 of debt on 0%. I feel a bit in limbo at the moment but im running about £2500 short for next year end. My back up plan is we do have a few shares that currently would clear the short amount but i am hoping by this time next year they could double in value, they could clear the amount we are short and pay for the celebration party.
It's only 2 weeks until payday yippeeeeeeeeeMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
It's good to have a back up plan, hopefully with the reduced interest though you won't be quite as short.
Only 2 weeks until you will know the exact amount to clear in 2011 then?LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Its actually 4 weeks until I know how much we are starting 2011 with as DH doesnt get paid until last day of the month,(not good for xmas shopping but great for the sales) dont think there will be any christmas bonus for either of us so if anything does come it will be a huge surprise.
I have a feeling it will all be worked out long before xmas comes and I have not taken into account the huge lottery win i will be getting tomorrow when my numbers come out.MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
I have to wait another 3 weeks till payday.
A lotto win really would make life so much easier!LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Anyone want some snow ? More digging for me tomorrowMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Even I bought a euromillions ticket - a very rare event!
God it is cold! Heating on 24hrs AND fire lit!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!
0
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