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Thats another fine mess I got myself into

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  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Woowoo wrote: »
    I think me and Richard will be friends for a long time yet, gotta get Mr Lloyds TSB out of my life first!

    Richard and I will never be friends - he always be a thorn in my side, currently the pain in my a** and soon my insignificant ex!!
    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!
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Me and Richard stick together for a few months, I dump him when he shows some interest in me and then when he has 0 interest I go back for a while ;) I use him!
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    In_my_dreams wrote: »
    Me and Richard stick together for a few months, I dump him when he shows some interest in me and then when he has 0 interest I go back for a while ;) I use him!


    And thats the way to have him - used and abused (for these purposes, abused means no interest :D)
    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!
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Richard is now getting used to by continual picking him up and dumping him at will - that's the way I like it :D
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    In_my_dreams wrote: »
    Richard is now getting used to by continual picking him up and dumping him at will - that's the way I like it :D

    You go girl!:beer:
    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!
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    44 listed on ebay

    15 on amazon

    41 to go - remind me never to take up this challenge again, thank God its just DVDs and CD's, I would crack up if I had to photo 100 items. But soon they will run out and then I will have to get snappity snapping. ggggggggrrrrrrrrrr
    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!
  • Herewego
    Herewego Posts: 2,541 Forumite
    Ive done a bit of both but fantastic news if we didn't set the challenge we would be sat reading other threads and that doesnt pay the bills. Made a small payment and im now in the £48k range but I think i still have interest to add from DH cc but its nice while it lasts.
    I need to get the last 28 listed in the morning then im off for a chilled walk in the countryside.
    Happy Ebaying !!!
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Taken lappers to bed - its warmer here!

    I have been reading some more diaries tonight - Mr RMC is watching Braveheart (on TV, cuz I sold his dvd, LMAO) and have realised that as of yet I have done nothing to actually reduce my debt, I mean I have no plan, I have no snowball and had it not been for Mum & Dad RMC, I would be up to my neck this month.

    Am I right in thinking I need to get minimum payments sorted, spend as little as possible on food and other general expenses as my first step. My logic tells me that then I will be able to look at this whole debt business more objectively. Obviously, all the extra I make on Ebay etc will go to Richard (I may have mentioned how much I dispise him just once or twice). If I am totally off field, please feel free to tell me. I just worry when I read how people plan to clear massive debt in two years or less. It makes me think I am doing this wrong but as it stands I dont see us having a pile of money to pay extra. We do have a loan with A&L (first cousins of Richard, me thinks) that has 22 months to run (£189.66) so that will be a great release, or as I should say, a great payment to another.

    Just a quick sideline - last night I dreamt that Martin phoned me at work to tell me my spelling was terrible - how weird is that
    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!
  • dentonemma
    dentonemma Posts: 240 Forumite
    Maybe he will phone you again tonight?
    Pay £7,500 in 2011 paid £29,325 No 43 OP £21,825
    Olympic 78= £20,000 paid £35,708 over paid £15,708
    Mortgage over payment £1996/£1497 paid in 2011
    sealed pot 4 number 845
    Weight Loss 29lbs/13lbs
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    dentonemma wrote: »
    Maybe he will phone you again tonight?

    :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

    Funny how he didnt mention my debt............just my spelling!:D
    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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