Debt free by Summer 2012 (if not sooner!)

DebtFree2012

Thanks hun - I am going to snowball to see how it helps.

Skint_but_Optimistic

OOh I wonder how much faster your DFD will come!

Im quite excited about changing mine. Need to get Christmas out the way first...

DebtFree2012

Right my loan would have been paid in Feb 2014 and if I make overpayments to that instead of Virgin I will clear the loan in Oct 2012!!!!! So well over a year on that DFD.

My long term DFD is still under construction as first look makes it even further away lol. Given that I am clearing a higher APR and sooner so more cash to throw at debt sooner than it was, I think I may have mis calculated!!

So the focus has changed from Virgin to Loan. Principle remains the same though - get shot of this bleeding debt asap!

xx

DebtFree2012

Non of my other payments have cleared yet. I put the other chq into the bank on Saturday so it'll be Friday before it clears, plus the £28 from Quidco and the £14.99 from Experian and £18.99 returns from last week.

I spent £37 on clothes for the kids winter wardrobe which I mentioned plus £10 on the treat 2 dine in for erm...£10 so £47 spent. Remaining £31 ish will go to debt once cleared.

x x

Skint_but_Optimistic

Its all in the right direction!

DebtFree2012

Right, my DFD is all to pot so I am keeping my March 2014 for now. I will clear the loan asap then work on the next APR which is Virgin once that is done.

I need to find out of I can make overpayments online or not. There seems to be a bit of unsurity (sp?) on the boards.

xx

Skint_but_Optimistic

The best thing you can do is get their bank details and your reference number and do it through online banking in that case.

If that would work?

DebtFree2012

Right, I've found my sort code and account number and sent 18p across to it lol.

Will check tomorrow to see if it's changed. I wonder how the work out interest etc if making overpayments?

Will keep an eye on it......

DebtFree2012

So it's written down in case I forget....tonight I need to do a freezer inventory and menu plan. I've been backwards in coming forwards and have a tesco delivery coming tonight from 820 - 920 (they text me at lunch time) but no menu plan!!! I do tend to rotate similar meals though so I know everything I have will be used and alot of it is stocking up for winter with tinned goods etc...poor bloke who will have to carry it in.

SOOOO worth the £3.50 charge though - I couldn't carry it all!

Will post inventory and menu plan asap to keep me motivated.

x x x

Skint_but_Optimistic

you put their sort code, account number and the ref number from your bill or account?

should be ok then.

good planning, ive still had no joy with lloyds, its pathetic