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

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  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Have just been checking your signature out Lemon Tree, you have paid so much money back, well done. When did you start on your debt free journey?
    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
    Awesome work Woowoo. I'm soooo looking forward to having my Barclaycard moment with Virgin.

    VC So why are you choosing to close your account
    TF Because you're gits!!

    Damn it though, I don't get to do that to them because I opted out of the 'pay double the interest thing' so my account automatically closes as soon as the balance is paid off (ie as soon as humanly possible). D'oh! I do hope they send me some kind of satisfaction survey.

    Thrify - please feel free to pop over to my diary - it is a postive love feast of that b***ard known as Ricardo Branso!! We can compare who hates him more: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!
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    WooWoo - you goal date must be reduced too - and of course you will find £9ish by pay day (if you haven't already that is) Congrats again sweetie, you are inspirational and motivational!
    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!
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Thanks Red, that's one of the nicest thing anyone has ever said to me.

    It's almost been worth going through this just for the lovely people I have met on here!

    I am now quietly aiming for July 2012 - don't want to broadcast this too loudly in case I fail!
    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
    Not a chance of you failing!
    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!
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    I walked home in the rain and survived by repeating the mantra 'I am walking towards financial freedom'.

    Found 5p on the floor as well, so it wasn't all bad!

    I now have 13p in the penny pot to send to Lloyds, I am waiting to see what money I have left after I have done the Tesco shop on Saturday and then I can pay it all in the bank and send it to Lloyds.
    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
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    hi, hope you're warm and dry now.
    I started on my debt free journey in March 2006, but wasn't able to do too much overpaying for quite some time.
  • Luckycharm_2
    Luckycharm_2 Posts: 281 Forumite
    Hi Woowoo :wave:

    Just discovered your diary and have really enjoyed reading it. Well done you on your motivation and determination.

    About picking up pennies...I was reading in 'How to live on just a pound a day' that literally thousands of pounds worth of pennies have dropped out of circulation and are thought to be lying around outside, down the back of the sofa, dropped all over the place. Looks like you're on a mission to find them all and best of luck to you! What a great idea.

    You're really helping to motivate me so thanks very much for that. We will get there, a penny at a time. :D

    LCx
    Debt @ Dec 2009 £10,026.05
    Debt today £7,982.11

    Saving a month's wage £00/£1500
    2010 Crazy Clothes Challenge £37.50/£100
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Had a 5.30 a.m start today to get to London to pick my OH's new car up. Had a 3 mile walk through the city centre and only found 1p on the floor!

    Am a bit cross as he has now gone over the pub and told his mate I will give him a lift home later - so much for not driving my car until Tuesday!
    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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Just sent £1.01 to Lloyds, only £8.75 to find now.

    Today was actually a NSD as my OH paid for everything (as he was the one who needed to go to London).

    I have a £60 budget for the bank holiday weekend as I am taking OH out for a curry tomorrow night for his birthday. Am really hoping to save some of this money though to send some more to Lloyds.
    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
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