The 18k Challenge

becsxxx

I know I'm late posting, but where is everybody else's!!!!!!!!?????? I know Mirtos is on hols, but the rest of you have no excuse so get your totals up!!!

Debt

Natwest Overdraft (£1,000 @ 0%) = £931.34
Natwest Graduate Loan (6.5%) = £2000.00
Cahoot Car Loan (5.8%) = £4,042.94
Credit Card (NSPCC, 0%) = £2,370.00
Student Loan = £8,864.87

Credit

£1,282.02

TOTAL = -£16,927.00
TOTAL PAID OFF SINCE START OF CHALLENGE = £1,609.00 :j


Goals from last week:

1. MAKE LIFE-CHANGING DECISIONS! Well, have decided that I am going to sell my car, as I can't really justify the amount it costs me (even though I love it!) Also, we are definitely going to move house. This will cost money in the short term (of moving etc.) but I'm hoping to have a similar sized monthly mortgage so hopefully won't affect my debt too much!

Goals for this week:

1. Enquiries on my Quidco entries that haven't tracked
2. FILL IN MORE SURVEYS! I get sent loads of paid surveys and because I'm busy and/or lazy I don't do them all! This is a great little way to make money (eg: had a £50 cheque from YouGov not too long ago) so I really should keep up with it!
3. Stop spending so much money! Have done alot of unneccessary shopping recently! Am going to go back to writing everything I spend down in a notebook and hope that helps!

DontDoDebtKids

becsxxx wrote:

I know I'm late posting, but where is everybody else's!!!!!!!!?????? I know Mirtos is on hols, but the rest of you have no excuse so get your totals up!!!

Debt

Natwest Overdraft (£1,000 @ 0%) = £931.34
Natwest Graduate Loan (6.5%) = £2000.00
Cahoot Car Loan (5.8%) = £4,042.94
Credit Card (NSPCC, 0%) = £2,370.00
Student Loan = £8,864.87

Credit

£1,282.02

TOTAL = -£16,927.00
TOTAL PAID OFF SINCE START OF CHALLENGE = £1,609.00 :j


Goals from last week:

1. MAKE LIFE-CHANGING DECISIONS! Well, have decided that I am going to sell my car, as I can't really justify the amount it costs me (even though I love it!) Also, we are definitely going to move house. This will cost money in the short term (of moving etc.) but I'm hoping to have a similar sized monthly mortgage so hopefully won't affect my debt too much!

Goals for this week:

1. Enquiries on my Quidco entries that haven't tracked
2. FILL IN MORE SURVEYS! I get sent loads of paid survey and because I'm busy and/or lazy I don't do them all! This is a great little way to make money (eg: had a £50 cheque from YouGov not too long ago) so I really should keep up with it!
3. Stop spending so much money! Have done alot of unneccessary shopping recently! Am going to go back to writing everything I spend down in a notebook and hope that helps!

YouGov - do tell us more! How did you get involved? How much do you get paid? I have vaguely heard of them but never actually done anything about it. £50 sounds really good too!

becsxxx

DontDoDebtKids wrote:

YouGov - do tell us more! How did you get involved? How much do you get paid? I have vaguely heard of them but never actually done anything about it. £50 sounds really good too!

They're just a paid survey site that I found online just over a year ago. I get sent surveys anything from once or twice a week to once a day (!) and I get from 50p to £1.75 for each one.

When you get to £50 they send you a lovely cheque in the post. Surveys are usually quite interesting too (often political or about social habits) but I have been a naughty girl and not filling them in for a while so want to crack on with more now!

Some people don't like the fact that you have to wait until it gets to £50 before you get paid out, but I like getting a big sum at once. :j

You can join by going to yougov.com, or alternatively, PM me and I'll send you my referral ID (costs you nothing and I get bonus credit for referring you which will really help me get towards my next £50! :beer: )

My top tips is when you sign up, to state your voting intention as undecided - I immediately started getting more surveys when I did this! :rotfl:

Bells&Whistles

Hello again lovley people ! sorry its been a while but things have been insane recently ! :rolleyes:

Have made some progress with the debt...

Debt @ last post = £18180.22

Debt now = 18063.22

Paid off £64-00 worth of Amazon sales
£20.00 20.p coin savers club
£33.00 Ebay sales

Will crack on with the real hard work now things have settled back to normal.

Hope I didn't miss too much and your not all mad at me !

becsxxx

Bells&Whistles wrote:

Hello again lovley people ! sorry its been a while but things have been insane recently ! .....
Will crack on with the real hard work now things have settled back to normal.

Hope I didn't miss too much and your not all mad at me !

Welcome back, we missed you!

becsxxx

WHER ARE EVERYONE'S UPDATES!!!!!!!????????


Naughty naughty......

DontDoDebtKids

Here are my totals:

Egg: £6562.18
Capital One: £1901.88
Lloyds: £1919.06
Amex: £5862.22

Total: £16,245.34

Goals

1. Transfer balance to M&S card from Capital One when M&S card arrives in post

halloweenqueen_2

Good luck - keep going!!!

DontDoDebtKids

Got my M&S card with a stonking balance of £7000 yesterday when I got home so I've transferred the balance from my Capital One card and plan to use the remaining £5,080 towards paying off my 7.9% loan!

Yippee :j

leon103

DontDoDebtKids wrote:

Got my M&S card with a stonking balance of £7000 yesterday when I got home so I've transferred the balance from my Capital One card and plan to use the remaining £5,080 towards paying off my 7.9% loan!

Yippee :j

7k Magic!!

I need to apply for one of these. But recently applied for a marble and Capital one card. Got rejected for both of these because well I think because I had a mint and Halifax cards with no balance. I have cancelled these this week. Do you think I will get a M&S card?