Pay off as much as you can in 2011 Challenge!

needingaccountability

lou06 wrote: »

Morning All

I can't believe I have slipped up and not been on this thread since 28th April. Anyway after a lot of expenses , car, insurance blah blah blah, I have still been making my standing order payments to the much hated EGG card total sum of £400.00 and there will be another £200 at the end of this month! Been catching up on all the post and the motivation is BACK!


Lou06 - £1,501.80/£8,500

Lou x

Have you had notice from Egg they dropping to 17.9%? or could it be because I cleared mine they done that to lure me back...

kavics17

Wow, great total for June, we are all doing very well. I really want to pay off our debts in the next two months but it's a bit over budget so I guess ebay/amazon weekend for me.

Also lovely ladies, my phone is due for upgrade next week, at the moment I have a very cheap nokia which I love. I work with children so durability is very important. I am also not sure about touch buttons for texting so thinking about Blackberry but also open for android phones. Can you pls tell me if you have any of this which one you'd recommend? I would use it for internet a bit but too much, and as far as I'm aware I can either get Blackberry or Samsung Galaxy Ace or HTC (not sure which one). I'm paying £15 a month so Iphone is a no-no, it's too expensive. Thank you!

seasideDreamer

I've got a HTC Wildfire and I love it, Im a complete newbie to touch phones but even I can work it:) Update on my total, paid £40.40 off Barclaycard...August minimum payment so that's £2541.23/£6842.49. I don't think there will be much more from me this month as paid off loads already and bank balance is looking a bit bleak, plus just booked a weeks holiday in August (N. Cyprus) so need to pay BF back £359 too. So excited, love N Cyprus and it will be BFs first time...cant wait to show him around.

dreamdreamer

We just booked a holiday too. A week in Chicago from 27th August, 2 days after my debt free date! It will be my first holiday since 2008 and first holiday with OH (despite being together nearly 3yrs!) so I'm super duper excited!! OH has been promising me a holiday since my LBM as a reward. Yay!

Phones, I have a Sony arc now but my blackberry was bombproof.

o2bfree

No13 reporting in.

Pay day today so back to making my PAW each week and some serious debt busting now holidays and major birthdays are over.
PAW this week is £16.58.
Making my running total £1475.46/£6000

Got to start making some improvement on that figure. Although it only shows overpayments and not the minimum payment you have to make any way so maybe it's not so bad.

I have also realised that I have been a bit lax on filling in my spreadsheet and have made some overpayments that are not on my total.....they are only pennies but I should include them, so I will work it out this weekend and add them to my total.

Happy Friday all

sarahs999

dreamdreamer wrote: »

We just booked a holiday too. A week in Chicago from 27th August, 2 days after my debt free date! It will be my first holiday since 2008 and first holiday with OH (despite being together nearly 3yrs!) so I'm super duper excited!! OH has been promising me a holiday since my LBM as a reward. Yay!

Phones, I have a Sony arc now but my blackberry was bombproof.

How exciting! It doesn't mean you'll be back in debt though, does it? that would suck. :mad:

sarahs999

jwil wrote: »

Well done! :T

I can't remember being in the fives, I didn't have my LBM til way past then

I'm being quite wary though as it's usually at this point that we get some major unexpected expense that puts us a few grand further in debt (car dies, something falls off the house, you know).

kavics17

Thanks ladies, any more opinion on phones? I really can't make my mind up:(.

Dreamdreamer, how exciting on becoming debt free and travelling after! That's what I want but OH is adamant going to the US as he needs visa there costing £90-he became a true MSE:)

dreamdreamer

sarahs999 wrote: »

How exciting! It doesn't mean you'll be back in debt though, does it? that would suck. :mad:

God no! Never again! OH has paid the flights and hotel. I'm paying for the go Chicago passes, trains and airport hotel buy from within my budget. He's been saving for a treat for my debt free date.

LAM2011

Happy Friday Everyone

I have had a relatively low spend week although last night had to pick up some more antibiotics for my horse (bill to be paid by OH hopefully at the end of the month).

After extra payments this week my new total is :

# 134 £4,806 / £10,206

Have a good weekend everyone