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My Debt-Free-Wannabe Diary
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Just wanted to drop you a note to say well done. I noticed on your sig that you are doing so well. Give yourself a pat on the back. Did you enjoy Portsmouth? I used to live there.I am full of joy, abundance, wealth and love.I am a money magnet. Money comes easily and frequently.Canada excursion fund £1243/2500£10000 from £100 challenge £0/£10,0000
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Just wanted to drop you a note to say well done. I noticed on your sig that you are doing so well. Give yourself a pat on the back. Did you enjoy Portsmouth? I used to live there.
Thanks! I've got a way to go yet, but luckily if the flat sells then I can pay it all off and have some savings for a change!
Portsmouth was nice - I'd never actually been there before but now I have to go there (again) on business this week!LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
Debt Free Date: 31 August 2007
The £2 Coin Savers Club = £72
Reclaiming my bank charges - £105 reclaimed
My Diary: http://forums.moneysavingexpert.com/showthread.html?t=2305610 -
Cool - up to £14 on YouGov...LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
Debt Free Date: 31 August 2007
The £2 Coin Savers Club = £72
Reclaiming my bank charges - £105 reclaimed
My Diary: http://forums.moneysavingexpert.com/showthread.html?t=2305610 -
Exciting....pay day tomorrow and I'll have some extra to pay off my Lloyds credit card!
Will take me down to about £10,000 tomorrow - whoopeeee!LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
Debt Free Date: 31 August 2007
The £2 Coin Savers Club = £72
Reclaiming my bank charges - £105 reclaimed
My Diary: http://forums.moneysavingexpert.com/showthread.html?t=2305610 -
Was just doing my sums and 50% of my highest debt (£19,273.46 in April last year) is £9,636.73 so I'm nearly at the half way stage....LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
Debt Free Date: 31 August 2007
The £2 Coin Savers Club = £72
Reclaiming my bank charges - £105 reclaimed
My Diary: http://forums.moneysavingexpert.com/showthread.html?t=2305610 -
Debt Totals:
£4,649.33 Amex
£0.00 Lloyds TSB
£5,528.43 M&S
Total: £10,177.76LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
Debt Free Date: 31 August 2007
The £2 Coin Savers Club = £72
Reclaiming my bank charges - £105 reclaimed
My Diary: http://forums.moneysavingexpert.com/showthread.html?t=2305610 -
Well done on nearly halving your debt. I'm fairly new on here & OH & I have over 32k debt between us. It will take us til August 2012 to clear them,but looking at threads like this is a real inspiration & paying off nearly 10k in a year is quite unbelievable. Would just like to say keep up the good work.Debt at LBM(July 1st 07)-£35,053.92 Debt on 1st Anniversary of LBM(July 1st 08)-£33,170.11 (31st January 09)-£32,318.73Paid off so far £2,735.19(7.8%) Average paid off p.m. £143.95 L/H supporter 115 DFD target February 2018 DFD March 2028. PAD(Started 28/12/08) £253.77 £10 a day Feb £110/£280 WEDDING Paid off £1,585.96 Saved Up £925.400
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Direct Debit for Amex went out today and processed M&S statement:
Debt Totals:
£4,532.33 Amex
£5,546.50 M&S
Total: £10,078.83LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
Debt Free Date: 31 August 2007
The £2 Coin Savers Club = £72
Reclaiming my bank charges - £105 reclaimed
My Diary: http://forums.moneysavingexpert.com/showthread.html?t=2305610 -
I'm going to do a shifty balance transfer to get my own back on Morgan Stanley.
As they gave me 0% on purchases until December, I am going to buy everything on my Morgan Stanley card and pay out the money I would normally have paid from my debit card to my Amex credit card debt.
This shifts debt at 4.9% to debt at 0% until December.
Excellent.
Then, instead of paying off the MS card when I sell my flat, I will keep the money in a high interest savings account.LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
Debt Free Date: 31 August 2007
The £2 Coin Savers Club = £72
Reclaiming my bank charges - £105 reclaimed
My Diary: http://forums.moneysavingexpert.com/showthread.html?t=2305610 -
Hi all,
I had thought "oh good, my 18 months is up so I'm out of contract on my phone - I'd better see what deals I can get" and rang T-mobile only to be told that I only had a 12 month deal - doh! My contract seems to have run out at the end of February!!!
Anyway, they said that I could upgrade my phone for £60 to a Blackberry Pearl or for £120 to a Blackberry 8800 and stay on the same contract (£17 a month for unlimited email but no text or call allowance) or keep my current Blackberry and only pay £12 a month. I said I'd think about it and did some research...
Another phone that had caught my eye, but that can't do email, is the Nokia 6300 which (through the price comparison site in Martin's article on mobiles) would be free for 12 months through a cashback deal on Flext35 plus I can get £30 cashback through Quidco and sell my current phone on ebay for anything from £65 to £120.
Or I could use my work mobile and only pay for the cost of personal calls (but I'd have to change my number).#
It's so complicated! I don't know what to do. Thinking cap on.LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
Debt Free Date: 31 August 2007
The £2 Coin Savers Club = £72
Reclaiming my bank charges - £105 reclaimed
My Diary: http://forums.moneysavingexpert.com/showthread.html?t=2305610
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