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

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Comments

  • Woowoo
    Woowoo Posts: 4,603 Forumite
    I thought they calculated it based on your final outstanding balance on statement day, but who knows, they don't seem to!

    I hate the thought of getting a mortgage and allowing anyone to control me again.
    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
  • Herewego
    Herewego Posts: 2,541 Forumite
    i think the mortgage is a bit different it's not like you can go out at the weekend and add a bit of shopping to it. You will also be in control and if you want to overpay you can.
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    I know your right HWG, I just hate all banks with a passion now! Also when you don't owe anyone you don't have to fear for your job etc, you are free.
    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
  • Herewego
    Herewego Posts: 2,541 Forumite
    I agree going to work with no debt im sure will make it much easier, it will be nice have a choice how you spend your money. Just been looking and dreaming about villas boy we will have to save some money
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    If anyone can do it though it's you HWG x
    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
  • Herewego
    Herewego Posts: 2,541 Forumite
    Thanks for the confidence but im no different from you guys, i just get a bee in my bonnet and it's debt at the moment it has to go.
    How are the daily clicks going ?
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Slowly! At the moment I am still just doing the one I signed up for at the beginning of the year as I have £9.60 (need £15 to withdraw). It's only giving a penny a day at the moment though lol!
    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
  • Herewego
    Herewego Posts: 2,541 Forumite
    Think of it as a free £15 and every penny counts in the next 15 months, I have been doing quidco that has 5p a day but its better than nothing i will get into when i have time to read up on it more.
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    The £1000 has come off my Lloyds account prior to them doing the statement, surely that means the interest applied tonight will be less than the estimated £102.98, but then this is Lloyds were talking about, it could well be more!
    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
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Hi woo woo im having such a stress stupid santander have sent a pin that does not work for access to banking and i am through with it so ive sent oh to the bank for some damn answers stupid stupid stupid banks :D hope your okay and wow on the loan from mum and fingers crossed on cheaper intrest charge xx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
This discussion has been closed.
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