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The Challenge - Debt free in two years!
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Morning
Well done on the overpayment
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 -
Well done on the payments
Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
Thanks guys!
Also, just realised it's been 1 year today since I joined MSE Glad I'm still somewhat on the wagon!! 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 -
Happy MSE Anniversary!
Think you're definitely still on the wagon, just think that a lot of us realised along the way that this wasn't going to happen overnight.Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
Happy MSE Anniversary!
Think you're definitely still on the wagon, just think that a lot of us realised along the way that this wasn't going to happen overnight.
Yeah you're right. What is more worrying is what financial state I would be in had I NOT found this site!
I just re-read my first post. And I think I've kept to my promise quite well. I have bought a couple of gadgets, iPad and an iPhone, but I've also told myself I DON'T need a new xbox and I DON'T need a new TV and I certainly DON'T need a new car!! So far, I've put a LOT of money towards this debt, more than I would have ever thought of doing before joining here.
So also, thanks to you guys for keeping me on the straight and narrow
Here's to another year!! (and hopefully my final year).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 -
Congrats!
I think once we get to DFD -12 months, things will feel real and it'll be easier to keep on track.Total Debt Sept 2010 - £24,132.38 / Current - £0.00/ 100% paid
DFD - [STRIKE]Aug 2014[/STRIKE] 24th Aug 2012
£10 a day // Jun - £64/£300 / Jul - £133/£310 / Aug - £281/£3100 -
To the next year! :beer:
It's all pretty good going isn't it, when you look back and sum it up like that.
I soooooo want an iPad and have so far resisted (so far anyway!) Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
I didn't resist at all, I got it the day it was released LOL. But, I paid for it with cash money, whereas before it would have been on the CC 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 -
You value things far more when you have parted with cold hard cash for them as well don't you!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've just applied for a 0% cash transfer CC from MBNA. I doubt they'll accept me (although my experian credit score is 999=excellent). If they do, it would mean I wouldn't have any interest on the loan to pay, meaning £200 a month extra clearing it rather than lining the pockets of Lloyds!!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
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