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Shifting a 24K debt in a year?????

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  • miggy
    miggy Posts: 4,328 Forumite
    By way of a P.S. Sorry I don't know how to do multiple quotes either. It never seems to work so I'd be interested to see what advice you're given. :)
    Miggy

    MEMBER OF MIKE'S MOB!
    Every Penny a Prisoner

    This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    miggy wrote: »
    Wow Beccie - this is impressive! And what a lovely b/f to help you :)
    Just one concern - if it's a choice between paying back but burning out, and taking longer to pay back, well, the money can wait, your health can't. (We women always seem to keep going till our health gives! More will power than strength, LOL!)
    Anyway, best of luck and I have subscribed as I want to see how it all goes! I will be cheering you on!

    Hi Miggy!

    Thanks for the advice. It's something I probably need to heed more sometimes!

    Whenever, I'm far too tired I do just remind myself how good debt free will feel.

    Thanks for the support!
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Ceniza
    Ceniza Posts: 761 Forumite
    beccie wrote: »
    First- does anyone know how to do more than one quote in the same post????
    miggy wrote: »
    By way of a P.S. Sorry I don't know how to do multiple quotes either. It never seems to work so I'd be interested to see what advice you're given. :)

    You have to click the speech bubbles to the right of the 'quote' button. Each time you click this on a post, it will add them all to multi-quote. You then use the 'post reply' rather than the quick reply and you should see all your quotes there :)

    p.s well done with all the hours! And I know what you mean about the intrest rates. When I was ignoring my debt, I had no idea my minimum payment of £30 was actually only clearing about £7 off my debt because the rest was intrest!!!
    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
    AdamA9 wrote: »
    You have to click the speech bubbles to the right of the 'quote' button. Each time you click this on a post, it will add them all to multi-quote. You then use the 'post reply' rather than the quick reply and you should see all your quotes there :)
    miggy wrote: »
    By way of a P.S. Sorry I don't know how to do multiple quotes either. It never seems to work so I'd be interested to see what advice you're given. :)

    Thanks Adam!

    Just some quick showing off now that I can do it!
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • miggy
    miggy Posts: 4,328 Forumite
    AdamA9 wrote: »
    You have to click the speech bubbles to the right of the 'quote' button. Each time you click this on a post, it will add them all to multi-quote. You then use the 'post reply' rather than the quick reply and you should see all your quotes there :)
    beccie wrote: »
    Thanks Adam!

    Just some quick showing off now that I can do it!

    Me too! :D Thanks!
    Miggy

    MEMBER OF MIKE'S MOB!
    Every Penny a Prisoner

    This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Quick update for today -

    Went to my Mum's for dinner last night after finishing work at the pub. She's taken £30 off what I owe her as a thank you for watering their garden while they were on holiday so that's good and very nice of her.

    On the downside of money the guy I clean for on a Thursday evenig is going on holiday for two weeks as of next week so no earnings from there.

    Going to look at a new place to rent this afternoon which I'm excited about, hope we're finally gonna find somewhere! Not so excited bout paying the agency admin fees as that cuts into my overpayments this month but unfortunately is unavoidable.

    My plan for tonight is to give our flat a good scrubbing as it is now on the market so maybe people viewing soon.

    An exciting life I lead!
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    Hiya!

    I am subscribing now as I keep forgetting who's diary I need to catch up with!

    That was very nice of your mum, every little bit will make a long term difference but I have to agree with the other posters that you shouldn't over do it or you might burn yourself out completely!

    Let us know what you think of the new place, we looked at eight places in one day and the place we took was the last one we saw. I would love to move next year but in reality we are better off staying where we are and trying to save a nice house deposit then to move and pay more in rent :(

    Have a good afternoon x

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Unfortunately the house was no good, where it was an old house the ceilings were very low, which is no good when you have a 6ft 6" boyfriend! Maybe I should trade him in for someone smaller...:D

    If we find nowhere by payday (only two days to go!) then the £400 admin fees I have been keeping hold of this month can go off a card so that will be nice!
    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
    Debts at LBM Apr 10 and now (updated 28 Jun 10) Hoping for a DFD of Jun 2011!!!

    Lloyds CC £2,846 @24.9 now £2,555 paid 10.2%
    MBNA CC £7,515 @29.9 now £7,155 paid 4.7%
    Egg CC £3753 @17.9 now £3,700 paid 1.4%
    Goldfish CC £493 @0 now £321 paid 34.8%
    O/D 1 £500 now £500 paid 0%
    O/D 2 £1000 now £1,000 paid 0%
    Lloyds loan £7,360 @14.9 now £7,221 paid 1.8%
    Mum £1,450 @0 now £1,442 paid 0.5%

    Total £24,917 now £23,894 paid 4.1%


    Original debt free date July 2013 :mad:
    Debt free date now Apr 2013 :T
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • CaroG_2
    CaroG_2 Posts: 32 Forumite
    Hi Beccie
    I have just discovered your thread and think you're doing a fab job! Your target is give or take the same size as mine although I must admit I had not known where to start with getting underway. Reading you progress so far I now feel motivated to make a start and possibly go for a similar time frame, so thank you!
    I am all subscribed now so look forward to seeing how your getting on and wish you the very, very best of luck xx
    LBM 28/6/2010 Virgin CC £8100, HSBC O/D £2000, Next 65.00, Halifax Loan £13,700 :eek:
    Total Debt : £23,685 :(
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