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The Challenge - Debt free in two years!

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  • Ceniza
    Ceniza Posts: 761 Forumite
    Good to see you back D2BDF :) I do like my graphs, help me see where I'm going to be :)
    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
    Determined_2b_Debt_Free wrote: »
    You really are a serious MSE now - look at those graphs!!! You'll be after Martin Lewis's job by the time you reach your DFD lol.

    Not sure I'm going to ever restart my diary as the bubba takes up a lot of my time and I'm back at work 30 hrs per week but I like to drop in and see how you're all doing. I'm not quite as dedicated as I was as we're still getting back on our feet but I hope to join you all in overpayments and stuff in the near future if all goes to plan.

    :beer:

    Nice to see you back! Hope all is well with you and the baby. :D
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Hi

    Followed others over here and wanted to say hiya. Am so jealous of you getting 0% - I tried (twice now) to be rejected each time based on my debt (24958 as at end June). I pay back and over pay every month so it's nothing to do with bad history etc. So congratulations to you!
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)
    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • Determined_2b_Debt_Free
    Determined_2b_Debt_Free Posts: 349 Forumite
    Thanks, we're all good. We're having a girls night in tonight and she's currently snuggled up beside me asleep :D

    BTW the lloyds online payment thingy, I asked my branch if I could make extra payments online and they said no and as I can't make it into my branch very often I never seem to get round to it - it's a right pain. I take it they allow it now? Do you have to pay a fee to make extra payments? If I can I'll give it a go as even if I make small overpayments it's better than nothing.
    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
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    I found that I had to set up a new standing order every time - I just dated it the day ahead - then cancelled it when it had gone and set up a new one.

    It takes a couple of minutes longer then the usual online payments but Lloyds are a pain and won't let you do it any other way!
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Determined_2b_Debt_Free
    Determined_2b_Debt_Free Posts: 349 Forumite
    beccie wrote: »
    I found that I had to set up a new standing order every time - I just dated it the day ahead - then cancelled it when it had gone and set up a new one.

    It takes a couple of minutes longer then the usual online payments but Lloyds are a pain and won't let you do it any other way!

    Thanks Beccie, that's good to know, might give it a go...

    :beer:
    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
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Hi Adam. Just dropping in to see how you are as you haven't been around for a while :)
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Just me popping in hassling you again! :D
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    And again! :D

    Happy new year, hope all is well with you :)
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Determined_2b_Debt_Free
    Determined_2b_Debt_Free Posts: 349 Forumite
    Hope you're doing well with the debt busting Adam - I'm back on it! :D
    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
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