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The Challenge - Debt free in two years!

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  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Well done on your car insurance!

    You been checking out the cashback sites yet? :D

    Think I saw on Woowoo's diary that it's your big night out you mentioned a while ago?

    You looking forward to it?
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Ceniza
    Ceniza Posts: 761 Forumite
    Thanks beccie.

    Not checked any cashback sites yet, but will make sure I do so when back from my holiday. That is my first goal, although our bills are already so cheap already.

    As for tonight, yep it's the night out I was talking about. I have my suit ready and OH has her dress. So far this night has cost nearly £200!!! Eeeeeeek! It better be a good one :D
    Adam's diary - My Debt Diary - The Challenge | LBM May 2010 with £23,343.35 | £16,141.46 to go...
    Cleared: £7,369.16 / 30.85% | Current DFD: Oct2012 from Jan2014 | July repaid: £600/£800

    Goals: Aug-11 37% | Nov-11 60% | Feb-11 67% | May-12 76% | Aug-12 86% | Dec-12 debt free
  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    Hi Adam,

    Big congrats on the payrise and bonus, you deserve it and I know you willl put it to good use :D. The car insurance is amazing but so annoying at the same time, it's amazing how much it can change when you threaten to leave, it's such a joke! Mine seems to be going up every year now :mad:.

    Have a fab time tonight :beer:

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
  • Ceniza
    Ceniza Posts: 761 Forumite
    Thanks Jody. How come yours is goin up? I have a crash and speeding conviction on mine and still only £300. Stupid question but which quote sites did you use?
    Adam's diary - My Debt Diary - The Challenge | LBM May 2010 with £23,343.35 | £16,141.46 to go...
    Cleared: £7,369.16 / 30.85% | Current DFD: Oct2012 from Jan2014 | July repaid: £600/£800

    Goals: Aug-11 37% | Nov-11 60% | Feb-11 67% | May-12 76% | Aug-12 86% | Dec-12 debt free
  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    I think I have reached my 'limit' of reduced premiums, I have like 7 or 8 years no claims now but for some stupid reason I think my car is group 13 which doesn't help. This year I tried ALL of the comparison sites and the only way I got it lower than last year was by using First Direct who were guaranteeing to beat current quotes so it ended up being about £40 cheaper than my renewal.

    I think I am paying about £280 for FC with protected no claims, bit of a joke really but by going 3rd party I would only have saved about £20 so it just wasn't worth the risk.

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
  • Ceniza
    Ceniza Posts: 761 Forumite
    Ugh! What a crap weekend! Had my iPhone stolen Saturday night, so I'm going to be without that on my holiday, which isn't really essential, but arranging lifts and everything is going to be a pain!

    Lloyds still haven't processed my credit card, so I'm going to get another months interest from Egg added to my account! Damn can this day get better please?
    Adam's diary - My Debt Diary - The Challenge | LBM May 2010 with £23,343.35 | £16,141.46 to go...
    Cleared: £7,369.16 / 30.85% | Current DFD: Oct2012 from Jan2014 | July repaid: £600/£800

    Goals: Aug-11 37% | Nov-11 60% | Feb-11 67% | May-12 76% | Aug-12 86% | Dec-12 debt free
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Oh no! :( Was that on your night out? I had my phone stolen while I was in Africa and it was such a pain :mad:

    Is it insured?

    Do you have an old phone you could take on holiday with you?
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    That really sucks Adam :(

    Was your night out good though?
    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
  • Ceniza
    Ceniza Posts: 761 Forumite
    beccie wrote: »
    Oh no! :( Was that on your night out? I had my phone stolen while I was in Africa and it was such a pain :mad:

    Is it insured?

    Do you have an old phone you could take on holiday with you?
    Woowoo wrote: »
    That really sucks Adam :(

    Was your night out good though?

    Yes the phone is insured, but there's a £30 excess which I'd rather not have to pay :( It was on my night out, so kind of ruined the evening for us to be honest...
    Adam's diary - My Debt Diary - The Challenge | LBM May 2010 with £23,343.35 | £16,141.46 to go...
    Cleared: £7,369.16 / 30.85% | Current DFD: Oct2012 from Jan2014 | July repaid: £600/£800

    Goals: Aug-11 37% | Nov-11 60% | Feb-11 67% | May-12 76% | Aug-12 86% | Dec-12 debt free
  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    Sorry to hear about your phone Adam, it's so annoying when that happens. I know the £30 is money you don't want to have to pay but it could have been much much worse if you weren't insured (actually my colleague broke his iphone and I think his excess was £50 :eek:). I hope they get a shiny new replacement phone sorted quickly for you :)

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
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