Pay off as much as you can in 2011 Challenge!

KLee

Ah Yoyosma, that is rotten luck. I once worked for a company who forgot to pay me, didn't tell me and then all my DD etc went out and the charges were astronomical!! Luckily for me about a year later I followed the advice on here about how to claim bank charges and was successful. Don't be down. Just imagine when you're debt free and they can't help themselves to anymore of your money!!

Okay so, still managing to give up smoking and taking in lunch everyday so have paid the next £30 which means 590/10,000!!

sarahs999

That is a bad run of luck yoyosam. May I suggest though that you change all your direct debits so that they don't come out of your account so close to your payday? Maybe they should be 5/6 of the month - that way you won't get caught again. Well done by starting your payments anyway - one more step towards being free of the greedy b*stards for ever!

sarahs999

£40 to clubcard. Taken that card under £2k, yay!

LexieLou

Hi,

Paid so far this month £448.13 / £12,000

Lots of love,

LL xx

No 122

Deeperblue

I'm sorry to hear your having a rough time atm yoyosam! Things will get better and better though as you work through the debt, and then you can stick two fingers up at the CC companies

dreamdreamer

£40 to clubcard. Taken that card under £2k, yay!

Ooh I love going under a thousand mark - seems like real progress! Well done!

copperjar

jwil wrote: »

Thanks everyone for the updates, I'll update the first page now.

Loving the ideas for the mini challenge Copperjar, I might join you from next month. I'm thinking of dividing my 'official' debt into 1000 x £35, and seeing if I can raise £35 1000 times. Ehallet did something similar, and I think it's a great idea. Obviously that won't include interest, but £35 is a relatively easy amount to raise. I won't include monthly payments, so they will hopefully cover the interest, and I'll just try and raise the £35 segments as overpayments.

I certainly love the idea of splitting the debt into bite sized chunks.

Have had a good start with mine - eBay sale today on a BIN for £19.99 - so I'll add a penny and there's the first £20. Also have been paid for my Amazon sale from earlier in the month - £26.26, so that's the second one done! Another packed lunch so another £2 in the pot.

How's everyone else doing? Any more ideas for raising £20?

La_escocesa

Minimum payment came out this month so now £2165.18/£3500

xxx

nextyeartina

hi

not been on for a lil while but still here :j. get paid on friday so will update over the weekend when i've done my sums. call me thick but can i ask, what is an overpayment?? is it when you pay off more than the min payment??

t, x

skaps

yes it is.

I am updating all payments including min payments.