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It will be GONE !!!
Comments
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Well done!
Why continue to overpay mortgage, would it be an idea to pay just wht is due anduse that against debt. Thats what I spent all Friday working out and to go interest only (which is not what I am suggesting you do) meant clearing debt earlier and thus reducing interest.
It may be an idea to check snowball to see by how much interest you would save (it might be more than you are paying off mortgage) and how quickly you could clear your debt.
Just an idea, and if I am sticking my unwanted nose into your business, sorry xxLBM 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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Thats fine all advice is welcome I will sit and have a look at the snowball when i have a bit of spare time, I would just like to clear the mortgage back down to where it was before DH had his great idea about this car without waiting years & years to get back to where we wereMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Oh I know about wanting to get mortgage down ASAP. I was shocked to find out that if I pay interest only for 1 year, after that I only need to pay £30 extra a month to get it back to where it would have been before!
I read another diary on here, when, after paying off debt, the OP kept up same level of payments but instead of debt which had gone, they threw it all at the mortgage and cleared that in 5 years!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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What a day
Studio Cards have replied already only claimed saturday cheque on the way £156.83. :T:T
Got home to find £10 voucher for M&S from Valued Opinions :T:T
Just sold an item on ebay buy it now £70 :T:T
Do you think i should try the lottery or have I used all my luck up :rotfl:MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
wow what a great day!!
What did you sell on ebay for £70 - thats just fantastic
Yeah what you got to lose with the lottery but a £1 and if you keep up your luck - well....the world is your very own ebay! except this time you will be the buyer!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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Some Nike shoes brand new could have sold for more but I need to get this money in and have listed them before and they didnt sell so just reduced them.
I havent caught up on diaries yet but hope you have had a good dayMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
I think £70 is fantastic and as you say they didn't sell before making your £70 all the better.
Ebay pulled a dress on me today - need confirmation it isn't fake - !!!!!!. I will relist after Easter with a picture of the label in the description! Pain in the whotsit.
It is snowing here now - and very cold and there was me hoping to do the garden on my week off!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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Well done you, fantastic news x12/04/2019
Savings £134 nothing changed here
Credit Score 134/700 - Jan. 171/700 - Feb. 151/700 - Mar.0 -
At last payday seems like i have been waiting forever it's going to be another tight month but extra money already has spurred me on to try and clear additions.
Last day at work today finishing early for easter to try and have a break or very large ebay session needs must.
Off to put my lottery on who knows someone has to win.
Have a great day allMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Well done you, what a fantastic day!!! :T:T:T:TFebruary NSD challenge 5/150
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