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It will be GONE !!! Part Two

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Comments

  • Herewego
    Herewego Posts: 2,541 Forumite
    I know what you mean its taken 12 months to get this far and these are existing cards I am just starting to shuffle. You will get there Red before you know it
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    You have been good re payments etc, sadly I think our credit is pants, and now you are getting the rewards...........couldn't happen to a nicer gal :)
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • Herewego
    Herewego Posts: 2,541 Forumite
    REDMADCURLS wrote: »
    You have been good re payments etc, sadly I think our credit is pants, and now you are getting the rewards...........couldn't happen to a nicer gal :)


    Thanks hun your day will come trust me :D
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • joshua_blue
    joshua_blue Posts: 163 Forumite
    well done on the BT HWG... nice one... i managed a £500 BT @ 6.9% for life of BT... not much but better than a poke in the eye with a sharp stick i guess
    Jan 2010 £39,300 Now £29,630 Reduction £9,670 (24.6%)
    DFD July 2017
  • Herewego
    Herewego Posts: 2,541 Forumite
    Weekend roundup
    BT of £6K onto 0% deal
    Sold 2 items on ebay £31.98
    Won £10 on lottery

    Also DS passed another GCSE this week A* so said I would sort him out a new mobile, thought it would cost about £150 but hes worth it. Turns out managed to get an upgrade so cost £0 so we are both happy.
    Hope this week flys past as have no money even used the bit of OD i had planned on paying off, although I should have some amazon money due this week that should cover my petrol milk and bread
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Oh look you did sell another item, well done!

    Congrats to DS, very well done and congrats for passing your own maths 'exam'

    Good luck for the week of no pennies x
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    All sounding positive
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Great news on another BT HWG - it really does help to get those 0% deals x
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Fantastic news on the BT HWG and congrats to DS, i bet you are SO proud. That's what life's all about - enjoying those we love (that and kicking Ricardo into touch lol).
    My worry is once a card is paid off, if I close it then effectively on credit report i will be using more % of available credit and just lost xx credit due to closing a card if that makes sense.

    IE currently use 89% of available credit, close off CC and lose a 4k credit limit so now using 94% of available credit and avail credit is 4k less.....i am rubbish at explaining things lol.

    I don't even know if that's how it works, and it's a long way off before i need to worry about it lol.

    Have a lovely day xx
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)
    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • Herewego
    Herewego Posts: 2,541 Forumite
    Managed to sort the other BT but only after giving Lloyds the answer to a million questions for security.
    Year End Mortgage statement came in today and it was nearly £300 less than I calculated so going in the right direction
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
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