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A journey of a 1000 miles must begin with single footstep....
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i'm just glad to see people still getting payrises, gives me hopes that eventually we'll get one when the country gets back on it's feet.0
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Fingers crossed one will come your way soon LT xLBM 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/£40.000 -
Well done on the payrise wooooooo
:D:D 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 free0 -
That's great news hun! By my very rough calculations that's about £35 a month after tax or a free tank of fuel if you want to look at it that way
Very happily married on 10th April 2013
Spero Meliora
Trying to find a cure for Maldivesitis :rotfl:
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Great news on the payrise Woo x0
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That's great news hun! By my very rough calculations that's about £35 a month after tax or a free tank of fuel if you want to look at it that way
I thought it would be about £30, so that's good news!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/£40.000 -
You can use one of the online calculators if you want to know exactly, like this one
http://www.thesalarycalculator.co.uk/salary.php
Great news!
We're on pay freeze unfortunately
Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
Thanks Bec's that was really useful
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/£40.000 -
That wee calculator is brilliant Beccie, I just used it to work out what I would get if my boss was nice and gave me what I am entitled to this year 0
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Confession time.....
Well, its pay day today and I must, must, must stick to my budget from now on - my debt has actually gone up :eek:
I have been ignoring a few mini debts etc, which I have now used my balance transfer money to clear. I have also used some of the balance transfer money against the Lloyds credit card instead of my overdraft as I kept spending it! And I used £1000 of it as a deposit for my new car.
Please don't shout at me
I have now amended my signature to be 100% truthful, no more lying to myself.
I seriously need to start being strict with myself again if I want to get this debt cleared before I reach retirement age! I actually have no idea what my estimated DFD is now.
Am going back to getting rid of the Lloyds c/c as I don't trust myself with my o/d as the money can still be spent!
Have withdrawn my £50 spending money today and it has to last till next Friday - am going to the cinema tonight, my brothers engagement party tomorrow and it has to cover food.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/£40.000
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