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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
    It would be about a 40 minute walk to work, so do-able but is just too much hassle as I like to go to the gym straight from work and I don't have time on the nights I go to Gloucester. Just excuses for I can't be bothered really!
    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
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    It's a pain when it's that far - a few years ago I lived a 45 min walk from work and it was only cause I was taking the dog to work too that I made myself do it for her, otherwise I would have been in the car every time!
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • wish i could walk to work - i pay £3,500 a year for my train ticket but still have to pay another £11 a day when i go to BF's as he is on a different line. They dont make it easy for us to get about, do they?
    LBM Oct 2010 - £44,665.08:eek: (exc overdrafts)
    Egg:[STRIKE]£890 [/STRIKE]£0 Virgin:[STRIKE]£2,426.92[/STRIKE] £0 B'card: [STRIKE]£16,192.80 [/STRIKE]£13,497.68 Loan: [STRIKE]£25,155.36 [/STRIKE]£21680.35

    NEW TOTAL: [STRIKE]£44,665.08 [/STRIKE] £35,178.03 Debt reduced by £9,487.05 21.24% :T
    One off Egg balance: [STRIKE]£2,596[/STRIKE] £4,076.95
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    Jeez that's a lot of money for the train! Mind you, I pay £322.40 a year for 2 days a week for less than 6 miles!
    Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 1
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Do you work in the City Centre then Kat?
    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
  • ElmerFudd
    ElmerFudd Posts: 444 Forumite
    Hi, I have loved reading your diary - sorry I have been lurking on your diary and others for ages but now going to start my own diary. I have been fighting a battle with the dreaded Ll**ds for years and have this week gone and closed my account and received back the great sum of £1.39!! I was looking forward to telling them exactly why I was closing my account including the horrendous interest charges and c**king up my internet banking and security on numerous occasions but all they said was ok and closed it!

    I am now attacking A &L and getting rid of my overdraft - they have just doubled the max interest charge from £5 to £10 per month and I am sure they didn't tell me. Sorry to hijack. Well done with all your payments and with your positivity.:T

    A+L did this with me too. However they did send an update of the terms and conditions a month ago so I knew it was coming.

    I've been failing with my PAD's Woowoo. Glad to see you are still doing yours :)
    Debt at worst: £33000 (Feb 2011). Present debt: £25610 (Apr 2012)
    Lloyds old (22.4%) = 560 (Dec 2012)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Hi Elmer

    As long as you are living within your budget then your doing well, it's all about learning to manage your money so we don't get in debt ever 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
  • Ceniza
    Ceniza Posts: 761 Forumite
    wish i could walk to work - i pay £3,500 a year for my train ticket but still have to pay another £11 a day when i go to BF's as he is on a different line. They dont make it easy for us to get about, do they?

    Damn! And I thought my £2.8k a year on rail cards was a lot!
    Adam's diary - My Debt Diary - The Challenge | LBM May 2010 with £23,343.35 | £16,141.46 to go...
    Cleared: £7,369.16 / 30.85% | Current DFD: Oct2012 from Jan2014 | July repaid: £600/£800

    Goals: Aug-11 37% | Nov-11 60% | Feb-11 67% | May-12 76% | Aug-12 86% | Dec-12 debt free
  • ElmerFudd
    ElmerFudd Posts: 444 Forumite
    Woowoo wrote: »
    Hi Elmer

    As long as you are living within your budget then your doing well, it's all about learning to manage your money so we don't get in debt ever again!

    True. I just see that Lloyds interest and think how much quicker things could get paid off if it wasn't there!!
    Debt at worst: £33000 (Feb 2011). Present debt: £25610 (Apr 2012)
    Lloyds old (22.4%) = 560 (Dec 2012)
  • Ceniza wrote: »
    Damn! And I thought my £2.8k a year on rail cards was a lot!


    I know - its ludicrous - particularly as I am in spitting distance from London anyway! such a rip off, but they have us by the proverbials as there really isnt an alternative. I've got a tube line nearby but its so unreliable and takes more than twice as long to get in.
    LBM Oct 2010 - £44,665.08:eek: (exc overdrafts)
    Egg:[STRIKE]£890 [/STRIKE]£0 Virgin:[STRIKE]£2,426.92[/STRIKE] £0 B'card: [STRIKE]£16,192.80 [/STRIKE]£13,497.68 Loan: [STRIKE]£25,155.36 [/STRIKE]£21680.35

    NEW TOTAL: [STRIKE]£44,665.08 [/STRIKE] £35,178.03 Debt reduced by £9,487.05 21.24% :T
    One off Egg balance: [STRIKE]£2,596[/STRIKE] £4,076.95
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