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DFD confirmed! Not as bad as i thought....

Been here for about a month now (properly posting, not just browsing), alredy budgeted and taken cash only route. But todays surfing inspired me to look into each debt. SO....

I transfered a loan at a fixed rate to my EGG card - not BT! and no early repayment fees!:j

I had already opened a virgin 12mth interest free last week, moved last CC and OD.:T

Final loan with Lloyds - useless cant do much - so this will wait in the wings for now :mad:

i also found some usefull calulators which give me loan balances on a monthly basis (incoreporating early payments and re-jigged interest rates).

Turns out my DFD is 6 month earlier than my estimates!

Roll on April 2008 - I cant wait!!!!:beer:
DFW Nerd 156 :hello:
April Grocery Challenge £31.38/£200

Comments

  • Floss
    Floss Posts: 9,308 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    :j :j

    Well done! See what happens when you put your mind to it?! :D
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  • mrs_mug_2
    mrs_mug_2 Posts: 172 Forumite
    Woowho, nothing like a nice surprise :D

    Which calculators did you find?
  • shopsalot
    shopsalot Posts: 154 Forumite
    http://nofieiman.com/repository/loan-calculator.xls

    This is the link - its free!! Fantastic for budgeting purposes!
    DFW Nerd 156 :hello:
    April Grocery Challenge £31.38/£200
  • mrs_mug_2
    mrs_mug_2 Posts: 172 Forumite
    Thank you shopsalot, thats ace.
  • shopsalot
    shopsalot Posts: 154 Forumite
    Oops - made a tiny excel error - should be August 2008 - still... not bad!
    DFW Nerd 156 :hello:
    April Grocery Challenge £31.38/£200
  • spud30
    spud30 Posts: 16,872 Forumite
    Mine at the moment is Feb 2094 :eek:

    I will be 124 :o
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • shopsalot
    shopsalot Posts: 154 Forumite
    I know its wrong - but you made me laugh:rotfl:

    But if you do reach 124 - you could make a mint in book royalties and appearances - medical experiments at least:confused:
    DFW Nerd 156 :hello:
    April Grocery Challenge £31.38/£200
  • spud30
    spud30 Posts: 16,872 Forumite
    shopsalot wrote:
    I know its wrong - but you made me laugh:rotfl:

    But if you do reach 124 - you could make a mint in book royalties and appearances - medical experiments at least:confused:

    Not likely. The excitement of reaching my DFD will finish me off :D
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
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