It will be GONE !!!

REDMADCURLS

We sure do!

Lloyds - £6100 - um how long does the snowball say it will take you?

Herewego

The snowball calculator currently shows Feb 2011 :eek: and for me that is just not good enough, so I have 2 options.
Option 1
Balance £6100
Balance transfer £5000, applied today haven't been declined but said they will contact me in 10 days (Anyone had any experience of what this means)
The rest would be cleared in overpayments and my normal payment at the end if August

Option 2
£6100 Balance
£ 240- Refund from Eon
£ 70- Quidco
£ 200- Cash left at end of August
£1000- August Payment
£1200- Sept Payment
£1200- Oct Payment
£1200- Nov Payment
£1000- Dec Payment
£0.00

So I can do it with a bit of hard work and I havent added any interest however either way I am determind to be clear of this card by the end of December. I am also going to try for under £30k at the end of December even if it is only by 1p
Now I can go and start ebaying or I can go and snowball CC snowball here I come :rotfl:

REDMADCURLS

I think, although can't be sure, when they see you will hear in ten days - that means no thank you

So option two seems the way to go................plus if you ebay/amazon etc you might get it gone by Nov.................for anyone else that would be impossible but not for you energy bunny!

Herewego

I was feeling a little hopeful last time applied they just said NO plus I do have my sons Uni fund sitting in an ISA with them which is a nice tidy sum been saving for nearly 15 years.
Oh well hard work and determination will get us there, would have been nice to have a rest from the interest. I'll not lose sleep over it been there done that and got the t-shirt.
A very productive day for me got a refund on gas & electric £240 plus reduced dd by £13 per month. Also found out my mortgage is £616 less than I thought not much in the grand scheme of things but that means my spreadsheet is calculating slightly wrong but im not going to change it as if this happens every 6 months it may be the motivation I need 2016 is the year I plan to be completely debt free mortgage as well.
DH has just mentioned we should have a cheap holiday next year as he likes the idea of paying more off the mortgage may have to check hes not had a bang to the head

Herewego

Had a little blip yesterday got holiday fever and started planning next years holiday thought the £250 deposit was a bargain got all the details sold it to DH it was so easy. I decided I would sleep on it and thankfully I decided the £2500 it was going to cost will be better put against the debt :money:

Started my new job today but im not sure im liked much as I know the directors and management from previous employment and the people in the office dont know what to make of me. Payday will be 25th so I think I will start my payday countdown again in my signature. So looking forward to next month as was about £500 down on overpayments this month maybe able to still pay another £300 off if I am really strict.
Tesco vouchers arrived today £20.50 so I have added them to my others ready to change into Goldsmith and Thornton vouchers for xmas presents :T

taxi73

Well done on £10k off already and am sure they'lllike you at work once you settle in.Glad you had a lovely holiday.Well done on the vouchers

Ceniza

£10k off already since January is amazing! Well done! Also, how on earth did you lose over 7lbs in just over 2 weeks?

Herewego

The diet I am following is the Dukan diet, high protein it is becoming very popular in the uk, my friend has lost an amazing lb in four weeks and she looks fantastic. I managed to put a little back on whilst away but after 2 days back it has now settled and I only put 1lb on which is amazing as I ate everything in sight the desserts were to die for.
I called Lloyds today about charges on my credit card and it looks like they are going to refund the remainder of them, I work out it should be about £700ish but that was in January so maybe a bit more I guess I will just have to wait and keep checking online. That will make up for the overpayments I didnt make this month however doing very well this week 2NSD so far were heading sub 39k and after month end it could be closer to sub 37k. When I see the numbers dropping my incentive to get below £30k by christmas comes flooding back

Herewego

Woohooooooooo Just logged onto Lloyds and they have refunded £759.84 and refund from eon and a little shuffle and I have a new outstanding amount of £38795 so now well under the £40k and my Lloyds card is down to £5200. If only I could get the 0% on the 5k I could move swiftly onto the next card.It also means I have cleared £11113.60 so far this year this is making the £30k more realistic now, Could I be debt free by the end of 2011 ? Now that would be a challenge Hmmmmm off for breakie and a ponder........

Ceniza

WOW that's amazing work! What were the charges you asked to be refunded from Lloyds? Were these in respect of the unfair charges on OD's etc?