One Day Debt Free

laura237

Money in bank: 1002
Bills still to pay:815
NSD's to date Oct: 2

Update about the OH, he has upped the payments to £300 per month and hopefully the loan should be finished in April :jHe did tell me that the loan has PPI added and he specifically remembers telling them he didnt want it so PPI reclaim on its way:T I love this site so much, just done the letter requesting a copy of his agreement because obviously he doesn't have it:rotfl:

Im sure my halicrap had PPI added and i rang to cancel it so might try with that too, im on a roll

hanb

All sounding positive well done you!!

laura237

Money in bank: 82
Bills still to pay:40
NSD's to date Oct: 7


Achievements this week:

• Virgin reduced by £5:j
• Credit from EDF of £191:j:j that will so help with xmas presents
• Quidco payout of £16 and £70 validated

Still need to

• renew pet insurance via quidco
• Really think about xmas presents

We have decided to set £100 for spends on eachother so hopefully xmas this year really wont cost too much. Last year i bought OH a PS3, clothes, games. Must've spent anout £400:eek: how times change :rotfl:

Last night we went to the metrocentre and i was so in the mood of a serious shopping spree and i came away with 1 book. I have totally changed

Payday tomorrow and OH monday i think. CC balances are coming down. Dont think its possible to pay 1 off this year but i can see them coming down which is the main thing :T cant even remember the last time i spent on them. Must be early 2009....

ok off to do do some internet window shoopping :rotfl:

laura237

Money in bank: 1495
Bills still to pay:1100
NSD's to date Oct: 8

Just a quick update on balances. We've decided to book a holiday in Jan back to Mexico. Will have to do some serious saving as its gonna cost about £4000 but it will be our last amazing holiday for a while.

Nothing else to update. I really need to reign in the spends so think i will go down the envelope route. £200 for shopping and £100 for going out. Lets hope this lasts all of November without even touching the xmas spends.

laura237

Money in bank: 961
Bills still to pay:833
NSD's to date Nov: 2
Holiday fund: 500/3000

Wow its november already. 50sleeps til xmas :jreally cant wait. I've budgetted £270 for everyone xmas presents and hopefully i can find some bargins. Although i still need to buy my first xmas tree

Well Tuesday was the day we booked our 2011 holiday. 2weeks in mexico £3568 :eek:paid £450 so balance £3118 need paid by 10th May so thats about 6months. Works out about £500 a month into my isa. November is complete :rotfl: just hope i've left enough money for food haha

Busy busy weekend. Night in town on Saturday, really hope i dont spend loads but already owe my friend £55 for a take that ticket :j

My half day so finish at 12 and then food shopping i think. Wow its neverending this spending lark, not so :money:this week :rotfl::A

laura237

Money in bank: 697
Bills still to pay:757
NSD's to date Nov: 3
Holiday fund: 500/3000

So far, spend for xmas is £61 still to spend £200:eek:
I've gone on a total spend binge, as you can see from money left
I must try harder, bought a dress from Lipsy. This will be my xmas party's dress. I will wear it more than once. Might need a few alterations though, being a short @rse is no fun :rotfl:

Im waiting for a quidco payout, £65 validated:T hope it hurrys up. I need the money :rotfl:must get some things on e-bay, just waiting for a free weekend.

OH really wants to go out tonight but think i'll let him go out with his friends and i'll get some housework done :money:ok i mean watch tv with a bottle of wine :cool:

My xmas present list
OH £50
Mam & dad £50[STRIKE]
Sister £20[/STRIKE][STRIKE]
Secret santa £50, Spent £36[/STRIKE][STRIKE]
Grandma £5[/STRIKE]
OH family £50

hope this list keep me on track and stops me buying un-necessary things.

Didn't make town last weekend. Uncle was really ill so just didn't feel like going. Suppose it saved me a few £££

laura237

Bills and money seem so irrelevant at the moment. Even though thats the whole reason we're in this 'mess'. Ok, not as bad as some but its so tough somtimes.

Our lease is up on this house around 15th Jan but i'd spoke to the letting agent a few weeks ago about maybe getting another 3months lease or month-month. She rang earlier to let me know the landlord has split up from his partner and wants the house back. So at the longest we've got until the 15th Feb to move out im gutted even though i knew this was going to happen. Or if we find a place we like we can move out earlier.

Im really thinking about putting our names on the council list even if the houses in this area are vile. And we've just booked a holiday, just couldn't have came at a more awful time.

I've got £500 saved but really we'll need about £1200 by the time it comes to move out Just not sure what we're gonna do.

laura237

Happy New Year everyone

I should be ashamed i haven't been on here in ages but new year, new start.:rotfl:

So debt paid in 2010 £4605.93 :eek: omg

Really hope 2011 will be better.

Start 2011 £11,194.69 in debt.

Haven't got time to list resolutions but i will be back once work isn't so busy.

laura237

I did say i would be back :rotfl:

So update on the house, we found a lush 3bed for £600 , all perfect, paid admin fee and it fell through 10days before we need to be out of this house. Lots and lots of stress later we have found a nice house on Friday and will be moving on Thursday as long as the applications pass the credit checks :eek:that always scares me. Hope everything is fine as we now have 2days.

Better news is Welcome Finance have agreed that the PPI added to my boyfriend's loan was mis-sold and will be refunded :ji love this site.

fizzypops

well done on getting your PPI refunded. :j