The Official DFW Nerd Club

Discount-Diva_3

Yet another nerd application, can you add me to the list

Thank you

ValleyBluebird

Please can you add me to the DFW club too please. Thank you.

jennyred

add me to DFW nerd club please!!!
only £22000 to go!
woo hoo

poppett

Please can I join in too? ah go on, go on, go on:rotfl:

exessexmum

I'd like a number too please

sammyjig

Can I join please

poppett

bumping up and hoping for my number soon....please!

Ms_Sparkle

Can I have a number please! I'm just starting to work out my SOA, and really want to be debt free!!!

tryinhardtosavethepennies

Can I join please?! I've been watching the comings and goings of this site for some time now, have implemented a few of the changes but haven't managed to stick to it! But I'm officially fed up of being in debt and not being able to spend my hard-earned cash on myself, instead of repaying debt...

I owe about £8500 on CCs and I'd like to clear them by this time next year - I have worked out a budget and repayment schedule for the next year, but I need help to keep me motivated to stick to it. I could clear it slightly earlier, but we have received an unexpected invite to a wedding abroad which we'll be saving for (instead of putting it on the CC like we'd usually do!).

I'll go work on a signature and await my DFW nerd number

Thanks!

tryinhardtosavethepennies

Dinah93

Argh seems MSE doesn't want me to be debt free! Last two times I wrote my post it has asked me to log in again, and when I have, all my post is missing

Third time's a charm - can i please join? My LBM came in the last few weeks, when I realised I had taken out finance/put on credit cards around treble my monthly salary in less than 2 weeks purchasing 'bargains' in the sales. What was especially stupid of me was that I was £156 from paying off my credit card, had only £12 on my next account, and only owed my student loan, MSc loan and overdraft (almost entirely interest free). I can still meet my debts atm, but I want to break the cycle and eventually start saving a deposit for a house.

I have written off to all 3 credit report agencies last night, asking for a copy of my report. But while I wait for that to come back, I've roughly totted up what I owe. This breaks down as:
£6350 to grandad for MSc loan (0% interest)
£1985 on HSBC mastercard, have applied and been accepted for virgin 0% on balance transfers card, but limit upped to £5800, temptation is grinning at me, must learn to have self control :A
£712 on NEXT account
£780 to SCS (0% until 25th May 2008, if hasn't been paid off by then goes up to a whopping £1280 if hasn't been paid in full)
£1500 on current account overdraft (£1000 is 0%)
£1000 on joint account overdraft (0% until june 2008)

making a grand total of = £12, 327 :eek: A lot higher than I've been kidding myself, thought it was about £8k

Already gone pretty OS in the last month or so, but could stand to be more. Next step, creating a proper budget, work out where money is going, and my DFD.