The 18k Challenge

Mirtos

Debt Now : £14574.14

Goals for next week:
1) List old phone on ebay!!!!!
2) List the SIM cards I have on ebay.
3)List that step counter gadget thing I won on ebay!
4)By next post, try to have enough cash in my current account to cover MOT/Service AND still have a cushion!
5)Spend as little as possible.
6) Chase Tax office for my updated code and refund.

Ok. So I know these are the same goals as the past two weeks, BUT it was my birthday, and I was away this weekend and..... well. I'm rubbish! But I'm going to keep trying to get it done!

leon103

Just had a catch up on this thread. Well done everyone on the hard work

Mirtos

Wooo HOOOOOOOOOOOO! Lloyds Tsb have just coughed up just under £1000 in Bank charges, so I've paid off another £500 from my Barclaycard, and put the rest in a high interest account towards my Cahoot Loan. New total? £13951.36 UNDER 14 K!!!!!! :dance: :T

DontDoDebtKids

I'm glad that we're seeing lots of success on this thread!

My personal achievements recently have been:

1) Draw up a realistic budget in Excel complete with spending diary integrated in it so that I can track spending!
2) Reclaim bank charges - onto the last £30 now, £80 successfully reclaimed
3) Reclaim PPI - got back £261.80 from Egg
4) Decide to sell my BTL property as it's no longer profitable and then I can pay off the rest of my debts...

So currently I'm focussed on getting my flat sold. The tenant has been given notice and I've got three estate agents booked to have a look around and give me a valuation. I'll end up with about £20,000 if I sell it for what one of my neighbours sold for recently, but I won't sell it until the end of April earliest so I'll have to make sure that my debts are as low as possible so that, when I do sell, I get to keep the money not just see it all go out the door again!

DDDK

Mirtos

Just paid another £101.36 off my barclaycard, which takes my total down to a nice round £13, 850 :T

electriclady

Wow............Just read through this thread, you guys are doing really well. I am in £21000 of debt and I'm only 20! I would love to do what you guys are doing, only problem is, I barley have any spare income to do it! :eek:

DontDoDebtKids

Mirtos wrote:

Just paid another £101.36 off my barclaycard, which takes my total down to a nice round £13, 850 :T

OMG you're beating me. Must pay off debt faster!

Mirtos

I know that's why I paid off that bizarrely uneven number! I figure a really head to head challenge might spur us on a bit?

Mirtos

electriclady wrote:

Wow............Just read through this thread, you guys are doing really well. I am in £21000 of debt and I'm only 20! I would love to do what you guys are doing, only problem is, I barley have any spare income to do it! :eek:

Neither did I til I joined MSE ( I turned 25 last wek) - you'd be amazed what a big difference Amazon, Quidco and ebay can make - And the three jobs I had until the end of last year!!!!! :eek: Have you posted your SOA yet?

becsxxx

DontDoDebtKids wrote:

I'll end up with about £20,000 if I sell it for what one of my neighbours sold for recently

Amazing! How on earth are me and Mirtos going to compete with that tho! :rotfl: :rotfl: :rotfl: