A journey of a 1000 miles must begin with single footstep....

Woowoo

Have just sent my remaining £5 to Lloyds as I'm not doing anything between now and Friday when I get my next lot of pocket money.

Only need another £29.25 needed to achieve the target I set myself.

REDMADCURLS

and you are the very woman to find it

Herewego

You are doing amazing a very determind attitude will bust these debts and you are making it look so easy. I hope we are still all around in a year just so we can see how far we have come:T

Woowoo

Apparently clearing your balance before your statement date isn't enough to stop Virgin applying £14.04 of interest :mad:

Had some good news though, have just renewed my car insurance and the first payment isn't due until 1st May, so sent another £32.34 to Lloyds this morning. Only wish I had received my Virgin statement before doing this, as I have had to take that £14.04 out of my spending money.

I have therefore beat my target of finding £50 extra already - feel like I have cheated though with the car insurance money being unexpectedly spare - so will still try and find that extra £29.25 from somewhere.

Choc-addict

Hello, i'm a newbie here and just read your diary right the way through.....couldn't stop! You've done so well and it's a really inspiring diary......in fact I was feeling down about everything today and reading your posts and others has just inspired me and given me a good kick up the backside.....thank you :T

Good luck in busting Lloyds - it'll be gone before you know it the rate you're going!

P.S - subscribed now

Woowoo

Hi Choc-addict (love the name)

Glad to have provided some inspiration. This forum is so addictive and really has helped to keep me focused on my goal. I can spend hours reading other peoples diaries on here, its nice to know there are others in the same boat.

Must stop logging on at work though as our IT usage is monitored!

Woowoo

Another 96p just sent to Lloyds!

so_here_we_are

Woowoo wrote: »

Apparently clearing your balance before your statement date isn't enough to stop Virgin applying £14.04 of interest :mad:

Had some good news though, have just renewed my car insurance and the first payment isn't due until 1st May, so sent another £32.34 to Lloyds this morning. Only wish I had received my Virgin statement before doing this, as I have had to take that £14.04 out of my spending money.

I have therefore beat my target of finding £50 extra already - feel like I have cheated though with the car insurance money being unexpectedly spare - so will still try and find that extra £29.25 from somewhere.

Hi Woowoo
With regards to the above interest, I closed my halifax credit card and as far as i was concern it was all done and dusted but them the statement came in an i owned them a similar amount as you, so i rang them and said if i owed them interest why wasn't i told when i made the final payment and why was i allowed to close the account, well anyway they let me off with the interest on that occasion as it was there error - might be worth having a word with them no guarentees though.


Also what a brilliant thread, have subscribe to keep up with how you are getting on

SHWA

se999

Woowoo, I love your applying the 96p straight to the cards, it's the way we think too. I know jars collecting coins for things is a good for some people, but for me I'd rather put in a savings account if it's spare, or I'd pay it off debts when I've had them, otherwise to me it's wasting money.

With credit cards it's in the small print on how they calculate interest, as to why they still come up with this final charge. It can be worth double checking with them how much you need by when to finally close the account. At times when we've wanted to close an account (or stop paying interest and still use it), we've guessed how much the closing extra would be and overpaid, and got a refund when we've closed the account.

Woowoo

Thanks, I did close the account last week by email though, so think I will give them a call tomorrow just to check I did actually need to pay it.