My Improbable 10 Year Target

Penny1981

Good luck Phelpsie001 we made an OP today (on top of the monthly £200ish) and it does feel really good doesnt it!! and as someone else previously warned....addictive. A bit like listing on ebay, same buzz (if not better then buying) only your making money Keep up the good work and if you feeling like packing it in, just look on here for inspiration, always works for me
Penny

Phelpsie001

Just a quick update ... my income has dropped 400 a month due to no overtime, so my overpayments have stopped while I build up my savings! I may make a £20 overpayment this month but not much more =(

clearmydebts

You are still doing amazingly well. Keep up the good work

gallygirl

Ooooohhhhh, second diary I've found tonight . You're making great progress already, well done :T.

Phelpsie001 wrote: »

Just paid off another £900

Phelpsie001 wrote: »

Just paid back £9.70!! Felt a bit silly ringing up to overpay by less than £10 but at least I now save interest on that!! Really want to get below the £120,000 this year of possible!! Time to update my signature too =P

Just to add also, the operator did laugh at me when I told him the small amount which made me feel a little embarrassed!!!

Phelpsie001 wrote: »

Morning all,

Just about to look through my current account for any spare cash!! If I have any odd numbers ... (£2007.50 for example), I will overpay the amount that will make my account a round figure. I can't afford too much at the moment, but these little things always help

Ha ha ha, , another [STRIKE]addict[/STRIKE] helper to assist in our devious plan to destroy bank profits

As for the operator laughing....... well, what you paid is probably a couple of hours interest on his credit card so who's laughing now :rotfl:

BaconandEggs

Hi phelpsie - read your posts with interest. Similar goals to myself.
Particularly interested in
1) lifetime trackers
2) ditching fix
3) offsets
going to try and get more info on these.

In terms of reducing payments/reducing term I've opted for reducing term for the same reasons you outline above.

originalmiscellany

Well done Phelpsie. Good to see you attacking with some aggression; and it always encourages me to see other people overpaying, and keeps me focussed. I think your attitude is spot on, and a real encouragement!

remote_control

Just read your diary and then accidently logged into my internet banking and made a little £10 overpayment.

Survey wise I like 'my survey', I don't get screened out of them much and the topics can be quite interesting. I also use Toluna because you can get points for doing really quick sponsored polls so I do these when I can't be bothered to do a full survey. There are lots of free cash back things on top cash back like sim cards and car insurance quotes. I signed up for a love film free trial and got £15, cancelled before the end of the trial so £15 free money!!

I look forward to following your progress as you have similar debt to me.

Good luck!

wynnvegas

Hi Phelpsie,

Sorry to hear about the overtime cut. You're doing grand though.

On the surveys, I have to admit to one Valued Opinions survey that paid out £45, I did screen myself in deliberately! I'll pay a penance for it one day but if anyone ever offers a rheumatism remedy recommended by Dr Billy (friendly neighbourhood G.P.), don't put too much faith in it...

Cheers,

Billy

Phelpsie001

Thanks everyone!! I love hearing from other people!! Makes my journey seem more ''real'' and that I am in it with you guys!! You all just motivated me to find another £39.59 to overpay =D Need to update my signature now!!


N.B I made this payment yesterday....I pay daily interest and it still hasn't gone out of my account =@ not happy!! Hopefully it will be done today!!!

LilB_3

Hi Phelpsie,

I've just read your diary and it's great to see the progress you've made and all by yourself too!

All the best for cracking £120k - I'm hoping we can get into the 90's before the year is out.

Well done :T