Debt free by Summer 2012 (if not sooner!)

DebtFree2012

Have updated sig so this is my first proper sig. Can't wait till the interest comes down (.

Woowoo

Well done DF, it is sickening seeing how much is actually cleared after interest but every month this amount will increase

Kepp

Well done DF, month after month the interest will get better x

rachelww1

Hi DF. Well done on your payments. At least we've all had our LB moments so the payments are coming down, and not going up still x

Herewego

Well done on your payments an excellent start to the new year, hope you can hang onto your pocket money for a while

garfield44

Well done df. That's a really good start. The total debt figure is coming down and that is the main thing. I'm dreading calculating my interest too,will get onto my spreadsheets in the morning!

Am loving the new signature too

When's your night out planned for?

X

**Kat**_2

Don't forget sites like voucher cloud for your night out. It's free to sign up and they ALWAYS have good deals for going out for meals. You put in your address so they tailor it for your area too xx

DebtFree2012

Morning all

Thank you for your words of encouragement - xx

Night out is planned for Saturday - I really want to treat hubby as he litterally bought everything last year bar the odd take away so I would like to pay for a little night out for us. He actually said last night he wouldn't want me to pay bless him (bearing in mind he doesn't know my situ) so makes me even more determined to pay. We're going to the pictures and will watch a man's film lol - really doesn't bother me - and grab a bite to eat first. I may just have a starter as my main meal as am cutting back (had food poisoning on sun/mon and still not 100%) so not eating properly yet anyway - but also to help with portion control. Will see.

So today i will look to see what it'll cost me at pics then see if menu online for place where we normally go but definitely looking at that site kat's mentioned in case something else is available. Thank kat! xx.

Also today I need to check to see if all of my payments have processed as they reflect in balance cleared after 24 hours even if transaction doesn't appear on mine.

Off to do that now before I start my busy day.

xx

PS Garfield - how did you get on with SSheet %'s?

DebtFree2012

Good news - £1.14 paid to Cap1. Won't update sig til end of month for that total though except for overpayments section as it looks lonely! This was paid before noticed bad news.

Now the bad news (one day these will switch round and more good than bad lol.)

Although I cleared all of the payments I desparately owed I am still in a bit of a pickle until next pay day.
I currently have my next account which I pay fixed £60 a month to and I wasn't going to clear this as happiyl paying £60 a month as only source of clothes if need them. Thinking is now that I want this gone as that £60 would be better paid to debt. Balance on there of apx £600 (not scary compared to previous balances lol). Ongoing.

Also I paid the Virgin Dec payment that I couldn't meet of £112.72, For some reason they didn't generate a statement until I had made this payment, or as soon as I paid it the new statements now available? Weird as 5 days late. So good news is only interest was supposed to be charged has been but I also owe another £150 to cover this new months payment (notice the difference in min payments when only interst and late fee been added?! total of 107.72!).
So I need £150 for that and I don't have it. Joy. Will have to find it as I am not missing any more payments.
Working on a solution now......be back soon.

Kepp

Hope you manage to come up with a solution for Virgin x