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

Kepp

Couldn't transfer the MBNA balance :mad::mad::mad:

So annoying as the interest is crippling on this one.

Was not in the best of moods last night after that and then even worse after spending over an hour on the phone to Egg trying to sort out on-going log-in problems. The guy just kept saying he'd reset the password so it should work, it didn't and i told him that, and he'd say he'd reset it, we went round in circles like that for ages at one point he said my keyboard must be broken!! I was like how else am I typing everything else except the password if my keyboards broken???? Eventually got put through to the IT department after telling them that if they couldn't be bothered to sort this out then I couldn't be bothered to keep paying them!

Problems should be sorted by midday today, let's wait and see.....;)

So was a bit grumpy last night and had to give myself a good talking too to pick myself back up.

Fired off a payment of 1p to each credit card this morning, that cheered me up, gonna do that every day!

How is everyone else?

Kepp

Lloyds CC £2,846 @24.9 now £2,555 paid 10.2%
MBNA CC £7,515 @29.9 now £6,597 paid 12.2%
Egg CC £3,753 @17.9 now £3,100 paid 17.3%
Goldfish CC £493 @0 now £311 paid 36.9%
O/D 1 £500 now £500 paid 0%
O/D 2 £1000 now £1,000 paid 0%
Lloyds loan £7,360 @12.9 now £7,153 paid 2.8%
Mum £1,450 @0 now £1,392 paid 4%

Total £24,917 now £22,608 paid 9.2%

Original debt free date Nov 2013
Debt free date now May 2013


Have checked and re-checked my figures as I couldn't quite believe my DFD had come down this much but it has!!! :T

Ceniza

I like the way you're keeping track of your DFD in each of your updates. I think I might try doing this too.

I've just realised we both owe about the same, with the same DFD!! Mines currently APR 2013, but it wont be long until you're at the same figure as me!

Kepp

Ceniza wrote: »

I like the way you're keeping track of your DFD in each of your updates. I think I might try doing this too.

I've just realised we both owe about the same, with the same DFD!! Mines currently APR 2013, but it wont be long until you're at the same figure as me!

Now there's a challenge - gonna try and beat your debt free date!

steerpiker

beccie wrote: »

So was a bit grumpy last night and had to give myself a good talking too to pick myself back up.

Fired off a payment of 1p to each credit card this morning, that cheered me up, gonna do that every day!

How is everyone else?

Perkier today, thanks. Bought 2 salads at M & S yesterday for £3, so looks like today will be a No Spend day :T I can't believe how pleased I was to get pennies for change, as I could put them in my "new" (well, newly found) Midland Bank money box. (*Not sure if you remember when HSBC used to be Midland Bank*)

How do you pay in 1p into your credit card accounts? Do you literally go online and pay in 1p????

Ceniza

beccie wrote: »

Now there's a challenge - gonna try and beat your debt free date!

Heeeeeeey, no challenges, unless you're telling me before you reach it so I can keep up too! It's no race to the finish line, it should be a joint effort

Although, a friendly challenge could be interesting... My DFD is based on a certain amount a month I've agreed with myself, with some scope for everpayments, so hopefully I can move this down little by little

Kepp

Karmacat wrote: »

Hi Beccie

I really admire your determination and your energy! Its now those interest rates that are doing some damage, aren't they, but you're absolutely right to focus on the balance transfers. I'm not up on how to do them - I only ever did it while I was stoozing - but there *must* be threads on the forum somewhere, maybe not on dfw, but on a different board, where you can check the situation out? Or am I missing the point and you already see your way forward?

I'm a really different age from you, but I can understand the Zim trips - I went for 3 weeks at the backend of the 1990s, just before all the bad trouble kicked off - I mostly saw the white community, as I have relatives over there, but it was still amazing, and I managed to get off the leash a bit of the time and see some of the rest of the country and the people.

The only thing I'd say about your situation now, is to remember to sleep

Hi Karmacat! Thanks for dropping by.

Unfortunately I'm still unable to transfer balances to my exisiting cards even though the credit is available, something I still fail to understand, just makes me think they're determined to annoy me! I tried using moneysavingsupermarket to do the search that shows the cards I'm likely to get but also a no-go. So my plan of attack is just to keep chipping away at the debts and each month phoning them back and just hoping that at some point the situation will change.

Zim is an amazing country isn't it! Helped put things in perspective for me too, when my debt gets me down I can remind myself of the struggles that the people over there face and I know I am better off. Such lovely people there and such a beautiful country.

Kepp

Ceniza wrote: »

Heeeeeeey, no challenges, unless you're telling me before you reach it so I can keep up too! It's no race to the finish line, it should be a joint effort

Although, a friendly challenge could be interesting... My DFD is based on a certain amount a month I've agreed with myself, with some scope for everpayments, so hopefully I can move this down little by little

Ha ha, but it's easier if I give myself a little headstart!

Ok, how's about my 1st Sept we have both reduced our DFD to at least March 2013, that's one month off for you, two months off for me - and that's two paychecks to achieve it in

What do you say???? :think:

*zippy*

Ceniza wrote: »

I like the way you're keeping track of your DFD in each of your updates. I think I might try doing this too.

I did it today and a £250 overpayment took a month off my DFD I was really surprised :T Mines currently July 2013 so i'm a bit behind you both and need to catch up

Kepp

steerpiker wrote: »

Perkier today, thanks. Bought 2 salads at M & S yesterday for £3, so looks like today will be a No Spend day :T I can't believe how pleased I was to get pennies for change, as I could put them in my "new" (well, newly found) Midland Bank money box. (*Not sure if you remember when HSBC used to be Midland Bank*)

How do you pay in 1p into your credit card accounts? Do you literally go online and pay in 1p????

Well done for a NSD!

Ha ha, I do remember when they were Midland, long time ago though! :rotfl:

It's an idea stolen from Woowoo. Do it from my internet banking online, took about 30 secs to send 1p off of each of my 4 cards. I'm keeping up the bigger payments too but have decided if they're going to keep annoying me with this balance transfer stuff then I'm going to annoy them back!