We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Challenge - Debt free in two years!
Options
Comments
-
Sorry guys - I've been lazy! I'm feeling better now, even though I'm snowed in and going out of my mind. This is how Jack Torrance must have felt in the Shining...
Anyway, new month, new bills - bills, bills and more bills! God this is depressing. December numbers so far. December has been an expensive month. I'm flying to Slovakia for Christmas to be with my GF family. We booked out tickets at £250 each, later that day the price dropped to £140, we're gutted
humpf, I always get miserable over this time. To make it more depressing my snowboard is lost somewhere and my holiday to Austria is cancelled this December. Bah humbug!
My updated debt diary
Last update: 03-December-2010
[STRIKE]Capital One CC - £0 @ 30% (down from: £968.83)[/STRIKE]
[STRIKE]Lloyds TBS overdraft - £0 @ 12.3% (down from: £2,000)[/STRIKE]
[STRIKE]Loan from OH No.1 - £0 @ 0% (down from: £600)[/STRIKE]
[STRIKE]Egg Banking CC - £0 @ 21.90% (down from: £943.30)[/STRIKE]
£200 to Loan from OH No.2 - £1,200 @ 0% (Down from: £2,000)
£383.87 to Lloyds Loan - £17,537.81 @ 14.5% (down from: £18,831.22)
Total Debt: £18,737.31Adam'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 free0 -
Oh no Adam, that's not sounding good
Hopefully you'll have a lovely time over there to make up for the tickets.
How come your snowboard got lost?
Figures are looking good though! :TDebt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
Hi Adam
Glad to see you back
Where the hell is your snowboard? How annoying!
And what happened to your holiday in Austria? Will you book something else up? Did you lose any money on it?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/£40.000 -
My snowboard is somewhere in customs. Not bothered as cannot use it yet, but want it on my wall LOL.
Just sent £37.81 to Lloyds to bring it to a nice round number
I've been trying to save up some money in my account, so when I'm paid I'm not just putting my wage onto a £0 balance. I managed to plonk my wage onto £400 last month, which means after all bills and debt and flights and everything else I've still got over £1000 in my account. That includes being naughty an buying some new bindings for my snowboard for £130.
Meh, anyway, back to work - working from home today, I'm going nuts!!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 free0 -
Hi Adam
Glad to see you back
Where the hell is your snowboard? How annoying!
And what happened to your holiday in Austria? Will you book something else up? Did you lose any money on it?
See above re snowboard.
I didn't lose any money as was just driving with a mate to his house, we're going to try for January now though 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 free0 -
Well done on managing to build up that sort of buffer in your account.
Fingers crossed for January! Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
Well done on the further payment to Lloyds.
I would be so annoyed about the snowboard, even though you can't use it yet - although with all this snow don't you have any hills in Brighton?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/£40.000 -
I got it through my brothers company though Woo so cannot really complain as get trade price on my gear as it is. I've also fallen short of my snowball this month, which is not good. See attached
Blue line is original snowball
Red line is my current actual repayments
Dotted line is what I have to maintain to reach my current snowball
Green line is my unrealistic attempt to be DF by end of next year LOL
As long as I'm between the green and dotted I'll be happy. Either have to play catch-up or pay more this month.
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 free0 -
It's annoying that pictures won't show on my work internet, I want to see!
(I'm such a child!
) Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
It's annoying that pictures won't show on my work internet, I want to see!
(I'm such a child!)
I could email you if you're impatient LOLAdam'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 free0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards