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Thats another fine mess I got myself into

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  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    REDMADCURLS wrote: »
    N Ireland hun and you are not nosey!

    And yes delighted with total - others of course would be horrified but not half as bad as LBM.

    Of course O/D's not added to that - but since I am not in place to even consider them I will just stick to CC's and Loan :)

    Are you paying interest on them, or are they 0%. If you are, depending on what the rate is, it might be in your interest to consider them as much as the loan. Just a thought. ;)
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P    roud to be dealing with her debts 1198~
  • dentonemma
    dentonemma Posts: 240 Forumite
    It amazing how every book & cd sold all adds up.
    Well done keep up the good work, Roll on end of April.
    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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Well done on your achievements so far RMC - I'm excited for you that your new balance will soon be starting with a £39!
    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/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    InaPickle wrote: »
    Are you paying interest on them, or are they 0%. If you are, depending on what the rate is, it might be in your interest to consider them as much as the loan. Just a thought. ;)


    I am paying interest on everything - only the loan is fixed, so as soon as I get CC under control and clear Richard I will try to reduce o/d's but for now I need them as CC interest is bad!! Infact today I noticed MBNA - paid them 40.52 and on 22p came of balance the rest was interest. Did the govt not recently say you have to pay min payment of 5% of balance, or was that in a dream - couldn't believe how little I was paying off balance - at that rate I would never clear it!!
    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!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Thats disgusting..only 22p off £40.52....thats terrible.
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    that's shocking! makes you wonder how they get away with this
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Have to say I was very shocked too!!
    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!
  • dawnybabes
    dawnybabes Posts: 3,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    They get away with it because most of us don't look .....
    Sealed pot challenge 822

    Jan - £176.66 :j
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    yeah exactly dawnybabes.....but since they only take the minimum via DDM, it means I have to ensure that I overpay every month....there should be some way I can pay more on DDM
    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
    RMC Happy Birthday for the weekend, enjoy youself you deserve it.
    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
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