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It will be GONE !!!
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great totals and never say never ..you could very well be df by 20110
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They refunded late payment charges I have spent 7 years trying to get them to change my payment day as it fell the day after I get paid, after 6 and a half years they said they could do it , it was never a problem. I have sent 4 letters and finally got £1502 refunded.
I guess I now need to plan every 6 months and have a target for each, and see if xmas 2011 will be one big DEBT FREE PARTY !!!MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Wow - good work on getting the refund then
Adam's diary - My Debt Diary - The Challenge | LBM May 2010 with £23,343.35 | £16,141.46 to go...
Cleared: £7,369.16 / 30.85% | Current DFD: Oct2012 from Jan2014 | July repaid: £600/£800
Goals: Aug-11 37% | Nov-11 60% | Feb-11 67% | May-12 76% | Aug-12 86% | Dec-12 debt free0 -
Great news on the refund - very well done!
When do you start new(ish) job? Did you get another pay rise?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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Started new job on Monday managed to get a 2k payrise thrown in so can't wait for payday now as you can see back to counting down.
Managed to throw a bit more and the Lloyds card to round down the balance once they refunded the charges, I was going to wait until the month end but have gone for it hopefully it will be ok think I have about £200 left for just in case times.
I have very little plans for Saturday and I'm hoping to get a few bits on ebay so watch out RedMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
I thought you had mentioned another rise, which is fantastic.
Just in case times - haven't managed to ever have that kind of money - another joy of OH being self employed!
Ebay - dont read the description and then leave neg feedback because the item is not what they thought! !!!!!!!!!!!!!!!!!!!!!!!!! It really does pee me off but what to do! My mum gave me a black bag of clothes yesterday to sell, some of which should get a few pounds, most of which will go for a couple of £'s. She said I could keep profit but thats not really fair, so I suggested that I give her some to spend in our fav boutique which sells expensive but classic last forever stuff. She then said well in that case I want all the profit and we will both go to the boutique and spend it all - LOL mum's you gotta love them! I think the bag should bring in about £200 and if we keep the money until their sale we might each get a pair of trousers or such like!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 the letter from Halifax has arrived to say on this occasion blah blah blah, still thats another one on my hit list.
I guess what they would like is for you to have 50k sitting in your account then they may consider it B******ds.
Lots of talking with DH last night and we now have a firm plan in place to clear dent and mortgage by December 2015. I have not included any payrises or possible bonuses or any extra cash that I may make if I can get off my butt. So will keep you posted on any progress.MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
WOW you guys are just so very motivated, glad DH is so involved, it makes it so very much easier!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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It wasn't that easy blood sweat and lots and lots of TEARS ( hormonal) and he is getting to see it my way......
Oh yes and dinner tonight then the cinema I threw quite a hissy fit I think hes coming round to my way of thinking LOL.
I have done it now have the grand total of 7 items on ebay and 1 watcher woohooMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
you are doing great0
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