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A journey of a 1000 miles must begin with single footstep....
Comments
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I totally agree it does make you feel a tad sick but then again i suppose a monthly staement on the loan would lol i think its because we see the statement every month, my problem is been in charge of making that payment i can smile a few tens but when im considering paying 300 to it i dont like been in charge id rather direct debit do it i can always find ideas and talk myself out of things lol im terrible at it and i wont pretend im not now on a dd front i can pay hundreds out because i just accept it does that make sense lol xx woo are u on facebook ?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 = £41157.680
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It makes perfect sense Happy!
I will PM you my name for Facebook if you like 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 -
Zizzi's tonight with my sister, two meals for £12 not bad!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 -
Not bad at all, we get so few offers over here!
If any of my cards were less than £1k I would think I would want to pay them off too, just for the morale boast.
I just got a letter from Ricardo - dated 22.July.10 - can't even find a post box!!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!
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It wasn't a letter saying as your such a valued customer we have decided to cancel your outstanding balance 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/£40.000 -
Hi woo woo i think i have found you and added you ? lol we shall see i just put woo woo ? Im off for nap soon ready for shift tonight i managed to get yesterday off so good times
.... just watched abit more true blood so im pretty happy at that lol ..... yes i think il do some paying off the small debts just to make some inroads, after 5th october i will be another loan paid off and i think the others are all keyed for 2012 or march 2013 so id like to get them over paid at some point ahh what would i be thinking if i was one moth from freedom of debts what would i be considering my money on ? what will we do with so much financial freedom, i think 2k of our wage is to debt :O canyou believe that !! :O well not all debt some of it is house expenses but still a big majority of it :O x
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 = £41157.680 -
Hi Happy
Yes that was me, I've accepted you!
If I was a month from being debt free I don't think I would be able to sleep at night from the excitement! I would be researching the holiday I was going to book and thinking of a thank you gift for my OH and best friend for their understanding during my debt busting.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 -
It wasn't a letter saying as your such a valued customer we have decided to cancel your outstanding balance then lol?
Nah it sure wasn't!!! It was asking for money.
I almost paniced until I saw the date - that was 3 payments ago!!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!
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These damn virgin companys just love to test us haha. I am glad I found the right woowoo. Haha. Work tonight :-( pay the bills lol xI 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 = £41157.680
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Found 2p on the walk to work this morning!
Also had £4 left from my budget for Zizzi's last night so have paid this off Lloyds. Food last night was delicious!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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