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

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Comments

  • 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 = £41157.68
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    It makes perfect sense Happy!

    I will PM you my name for Facebook if you like 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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    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/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    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!
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    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/£40.00
  • 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 = £41157.68
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    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/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Woowoo wrote: »
    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!
  • 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 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 = £41157.68
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    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/£40.00
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