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One Debt Vs 100 Days - Take 4

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Comments

  • facing_up_to_it
    facing_up_to_it Posts: 49 Forumite
    Hi there, my first ever challenge so thanks Michelle!
    Can you put me down for the following please -
    Argos Card £550 starting balance
    Next Card £550 starting balance
    Open account with Credit Union and save £100, starting balance £0!
    I hope I've done that correctly.
    This should keep me focused and on the straight and narrow so thank you x
    Debt Free Date Target 31/12/2014
    Santander PL £7,820.05 / Santander CC £3,258.20 / M&S CC £5,105.94 /
    Barclaycard CC £9,316.89 / Overdraft £439.85
    01/09/2012 - £25,940.93 :eek:
    Let's get down to business, once and for all.
  • Pollydaydream
    Pollydaydream Posts: 306 Forumite
    facing_up_to_it wrote: »
    Hi there, my first ever challenge so thanks Michelle!
    Can you put me down for the following please -
    Argos Card £550 starting balance
    Next Card £550 starting balance
    Open account with Credit Union and save £100, starting balance £0!
    I hope I've done that correctly.
    This should keep me focused and on the straight and narrow so thank you x

    Hi facing up to it. I think I'll join you in opening an account with the Credit Union and saving £100 (I've had the application form for 2 months!)

    Can you put that down for a separate challenge for me, Michelle please?

    Also, made a couple of payments towards miscellaneous bits and bobs

    £452.30 paid, £1549.23 left.

    Thanks for running the challenge, Michelle. Good luck everyone.

    Polly
  • penelopedee_2
    penelopedee_2 Posts: 2,698 Forumite
    Morning everyone.

    £5 for me today please.

    £1845 remaining.
    This time I haven't smoked since 6th Jan 2014 and still going ok.
    Fingers crossed x
  • beanielou
    beanielou Posts: 95,690 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Welcome facing it to our lovely thread :grin:

    Im am a great great fan of credit unions.
    Easy & competitive-ish loans & best of all i cant just go & access my wee savings pot from the hole in the wall.

    Nice to see you back Mechelle & thanks for this :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • longhauladdict
    longhauladdict Posts: 212 Forumite
    Hiya

    Just a little £1.59 for me today please, leaving £[COLOR="rgb(255, 0, 255)"]274.48[/COLOR] remaining!

    Thanks, have a good day everyone! xx
    Pay off as much as you can in 2011: £780/£8000
    Vouchers through surveys/shopandscan: £10/£250
    Ebay/Paypal target for 2011: £109/£1000
  • MrsWassire
    MrsWassire Posts: 204 Forumite
    Hello all

    Created a new username for this board, as some people know me in real life.

    The debt I'm choosing is what we owe to my Mum - £550.

    Yesterday (4th)
    Paid £50, Remaining £500
    *Insert interesting words here*
  • beanielou
    beanielou Posts: 95,690 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hi there MrsWassire & welcome to our lovely thread :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My sympathies are with you and yours - Michelle

    Congratulations to everyone on their payments... we will get there!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • bigbeff
    bigbeff Posts: 1,119 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    £121 leaving £2079
    Debt busting 2022 Total £15842.68 £0 (100% paid since 1/1/22)
  • Changingme
    Changingme Posts: 317 Forumite
    Have paid £200 back to Dad £600left
    Save £4500 in 2014
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