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The Challenge - Debt free in two years!

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  • Ceniza
    Ceniza Posts: 761 Forumite
    I'm not sure I will be in the £16's, but it will be very close :)
    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
  • Hi!
    Just having a really really quick pop in to see how you're doing - fan-blimin-tastic by the look of it!! Mine has changed a bit but haven't updated the sig. Hoping to get back to it very soon. Keep it up! :)
    Me, DH and DD (17 months) clearing our debt for a better future. Then (LBM) = £21,636.43 (Oct 2009) Now = £12128.07 (44%)
    GOALS/CHALLENGES
    Try to get credit card to £2k by April 2012 (was £3014.94)
    PADing to clear CC 1/1/12 TOTAL: £32.00
    Ditch 100 in January challenge: lost count but way over 100!!!/100
  • Ceniza
    Ceniza Posts: 761 Forumite
    Thanks D2BDF :) Good to see you around again!!
    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
  • Ceniza
    Ceniza Posts: 761 Forumite
    £155 paid for a years car insurance today :(
    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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Mine is £420!
    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
    Ceniza wrote: »
    £155 paid for a years car insurance today :(

    !!!!!!? I must have been half asleep LOL - I meant road tax haha
    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
  • Ceniza
    Ceniza Posts: 761 Forumite
    edited 2 March 2011 at 12:33PM
    Month end again. Debts paid, here's March totals so far

    My updated debt diary
    Last update: 02-March-2011


    [STRIKE]
    Capital One CC - £0 @ 30% (down from: £968.83)
    Lloyds TBS overdraft - £0 @ 12.3% (down from: £2,000)
    Loan from OH No.1 - £0 @ 0% (down from: £600)
    Egg Banking CC - £0 @ 21.90% (down from: £943.30)
    [/STRIKE]£200 to Loan from OH No.2 - £600 @ 0% (Down from: £2,000)
    £383.87 to Lloyds Loan - £16,894.83 @ 14.5% (down from: £18,831.22)

    Total Debt: £17,494.83


    Slowly getting there...
    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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Ceniza wrote: »
    !!!!!!? I must have been half asleep LOL - I meant road tax haha

    That's more like it! Just got six months tax for £112.75, what a bloody rip off :(
    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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Ceniza wrote: »
    Month end again. Debts paid, here's March totals so far

    My updated debt diary
    Last update: 02-March-2011


    [STRIKE]
    Capital One CC - £0 @ 30% (down from: £968.83)
    Lloyds TBS overdraft - £0 @ 12.3% (down from: £2,000)
    Loan from OH No.1 - £0 @ 0% (down from: £600)
    Egg Banking CC - £0 @ 21.90% (down from: £943.30)
    [/STRIKE]£200 to Loan from OH No.2 - £600 @ 0% (Down from: £2,000)
    £400.51 to Lloyds Loan - £16,894.83 @ 14.5% (down from: £18,831.22)

    Total Debt: £17,494.83


    Slowly getting there...

    Sub £17.5k, your doing great :)
    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
    Thanks! I'm finally a quarter of the way through this! Once the £600 is paid off I'll be able to make some real damage to this as I'll be able to clear more of the loan so I wont have so much eaten in interest!
    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
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