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Moneymuddlers Debt Free Dream
moneymuddler
Posts: 82 Forumite
I Am Starting This Thread As A Sort Of Diary To Keep Myself Spurred On As I Have Been Inspired By Others On This Site - Hopefully It Will Motivate Me Im Desp That 2007 Will Be Different - My Aims Are To Be Debt Free Asap And To Start Saving Would Be Good - My Sig Shows All My Current Debt Inc My Mortgage Which Is £30,000 More Than It Should Be As I Remortgaged 2 Years Ago Due To Massive Debts....so Im Nipping This In The Bud Before I Get Into That Mess Again!! If I Could Be Debt Free I Would Like To Pay Off My Mortgage That Would Be My Ultimate Dream!
Im Off Now To Write An Soa No Doubt I Will Be Back For Advice.....
Im Off Now To Write An Soa No Doubt I Will Be Back For Advice.....
next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T
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Comments
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Was Just Wandering Should I Transfer My Od To My 0% Cc? There Would B A 3% Transfer Charge???next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
'fraid I dont know enough about transfers to be able to help but someone will be along soon to make some suggestions - no doubt they will post a link to southern scousers post at the top of the board -tips on posting a SOA- I would but it baffles me at the mo !
Anyway - HELLO & WELCOME !!I THINK is a whole sentence, not a replacement for I KnowSupermarket Rebel No 19:T0 -
Please dont capitalise the first letter of each word ..it makes it difficult to read.
on your question :
what is the overdraft APR?
how long is the 0% for
what will the APR be after the 0% runs out
how much can you pay per month during this period0 -
will look into overdraft apr im not sure what it is!!! o% runs until sept 2007 currently paying £60 pm on cc will have to work out how much more i can put on-thanks!next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
the apr on m od is 4.25% dont know if thats good or bad!!!! x plus must mention if i transfer to my cc there is a 3% charge-thanks in advance!next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
my soa!!
income-
mine - £1500 pm min depending on shifts worked
hubby - £1000
child tax credit - £41
child benefit - £69
total income - £2610
from this i put £1350 and hubby puts £800 (total £2150)in joint account to cover -
mortgage £1180
dentist £11
lotto £16
mbna cc £60
sky £47 (tried to reduce to basic package but as i have sky plus told this is the min and that we are tied for 12 months!!)
car £215
life ins £87
accident ins £23 (dh as he is a joiner)
build + cont £26
pension £45 (dh)
council tax £95
tv £12
rcn £14 (mine - union for work)
car ins £30
gasa/elec £55
nursery £250
water £40
mobiles £20 (contract)
bt £35 (paying for old bill)
sky phone £5
xmas vouchers £40
broadband £25
total £2332
leaves dh with £200 for food bill
leaves me with roughly £150 for diesel (usually £90) and to try pay off catalouges etc also extras bday pressiesnext £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
mmm friend just phoned asking if i wanted a look around town - a look = spending money so i made an excuse not to go blub got to start somewhere!next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
well done you!
Resisting temptation is difficult so keep up the good habits
best wishes
MM
ps I'd off gone shopping x0 -
not sure?? as im a nurse would assume that the rcn is the best option???Tustastic wrote:Well done for resisting temptation mm! Re your RCN subs - have you checked to see if you can get union cover cheaper? The RCN is a great union but times are hard for you, so see if you can save money by changing union.next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
Hate to say it but the lotto could go.
Why dont you try the benevolent fund to get some to pay off the smaller debts? Even if you got £300 it would pay off catalogues & next.
Take care & good luck!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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