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

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  • ElmerFudd
    ElmerFudd Posts: 444 Forumite
    Woowoo wrote: »
    Well done for ringing up and finding out the figure, at least you know what your dealing with now. Do you just pay a set figure to this? Will that change if the % goes up?

    It's a set amount which won't go up if the interest rises. Thankful for that as I don't really want to pay more off to that at the moment. This dreaded Lloyds card is getting up my nose!! At least I now know how much of a hole I am truely in. Still digging my way out!
    Debt at worst: £33000 (Feb 2011). Present debt: £25610 (Apr 2012)
    Lloyds old (22.4%) = 560 (Dec 2012)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    I would say join mine and Bec's challenge to clear Lloyds by the end of the year, but don't imagine that is doable - you could aim for clearing 50% or something though?
    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
    edited 3 June 2011 at 10:20AM
    I'm up for a challenge. I'll definitely try it and it will definitely be a challenge. Anything is possible. I'm currently doing the Dribblers challenge right now and have only managed to gather £34.26 but that's more than I expected at the beginning of the year!!!
    Debt at worst: £33000 (Feb 2011). Present debt: £25610 (Apr 2012)
    Lloyds old (22.4%) = 560 (Dec 2012)
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    ElmerFudd wrote: »
    I'm up for a challenge. I'll definitely try it and it will definitely be a challenge. Anything is possible. I'm currently doing the Dribblers challenge right now and have only managed to gather £34.26 but that's more than I expected at the beginning of the year!!!

    What's the Dribblers challenge please??

    Good luck on your DFJ :)
    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
  • ElmerFudd
    ElmerFudd Posts: 444 Forumite
    It's a challenge to make £11,000 in a year. I'm not doing so well but I am still up by £34ish.

    https://forums.moneysavingexpert.com/discussion/2910796

    There are different ways of doing it but I am just doing it with dropped coins I find and any extra cash I get from my job.
    Debt at worst: £33000 (Feb 2011). Present debt: £25610 (Apr 2012)
    Lloyds old (22.4%) = 560 (Dec 2012)
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    Goodness me, don't think I'd come close to £11k lol
    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
    Wish I could, would be debt free for Christmas then 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
  • ElmerFudd
    ElmerFudd Posts: 444 Forumite
    No matter how hard I try I have yet to find £30 a day in dropped change!!!
    Debt at worst: £33000 (Feb 2011). Present debt: £25610 (Apr 2012)
    Lloyds old (22.4%) = 560 (Dec 2012)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Just looked at removing my Ex from my car insurance, this actually increased my monthly payment - he can stay on there 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
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    LOL! I find that highly amusing - he's good for something :D

    I know, I'd be debt free by then too - if only it was that easy.....
    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
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