The "Pay ALL your debt off by Xmas 2012" challenge

PedroMatias

kerri_dfw wrote: »

Xmas party last night...

p.s. get better soon, you dirty stopout!

idristhedragon

Oh Kerri you poor thing hope you feel better soon. Chip shop chips always cure ills like that
thanks for the heads up on Noddle- they have taken my details and will be in touch- seems an odd registration process?

Superheavy

#123 - 494 / 10762

Added in a loan payment, a couple of card DD's and an extra £80 to the halifax card from my freelancing. Really impressed with people into double figures already, but great efforts by everyone so far!

sharronej

kerri_dfw wrote: »

Xmas party last night, free bar, ill on the night bus, bf on the phone for 2hrs making sure I got home ok and didn't fall asleep on the bus, ill again this morning, worked from home, took flu tablets at 2pm, headache now gone, not on the road to Wales like I'm meant to be, car 2 miles away, still feeling rough No money spent so far today, but I'm going across to the petrol station in a minute for lucozade. Although not sure if I should get something to eat or not? Not entirely sure how my stomach feels about food.

Oh dear hope you feel better soon - forget the food go for lots of liquid, lucazade's probably a good choice.

PedroMatias wrote: »

Sorry I've been away, been through a low patch these last couple of days. If I get any worse, you might be subjected to another poem!

Sorry to hear you've been feeling low, this is probably the hardest time of the year to be debt busting and we can all be so proud of ourselves come the New Year and personally I'd love another poem :j

PedroMatias wrote: »

p.s. get better soon, you dirty stopout!

:rotfl::rotfl:

floridafairy

2 SB codes to be had

theposhbint

Evening all, I've been pondering something for a while and cant make up my mind. Which would you overpay on first?

Barclaycard/egg £6100 0% til jan 2013
Santander £626 0% til feb 2012
HSBC £830 on nominal interest about £4 a month til June 2012
Halifax £1430 overdraft repay, 0% til sept 2012
Barclaycard(2) £2030 15% interest til June 2012
Virgin £1929 0% til paid off

I can't decide whether to go for the lowest balance first to give me a boost, the highest interest one or the card with the 0% ending soonest.. It's driving me mad, one month I overpay one then change my mind a little guidance would be invaluable & I can really get going. Thanks

PedroMatias

theposhbint wrote: »

Evening all, I've been pondering something for a while and cant make up my mind. Which would you overpay on first?

Barclaycard/egg £6100 0% til jan 2013
Santander £626 0% til feb 2012
HSBC £830 on nominal interest about £4 a month til June 2012
Halifax £1430 overdraft repay, 0% til sept 2012
Barclaycard(2) £2030 15% interest til June 2012 <

---

THIS ONE!
Virgin £1929 0% til paid off

No brainer for me. It'll save you the most in the long run What happens to the interest after June 2012 on the Barclaycard 2?

EDIT: Taking a second look, I'd need details of what interests rates change to after the dates you specify, and how much you're paying off a month. I think this could all be programmed into the snowball calculator a few pages back, which'll tell you exactly how to pay off.

jakes-mum

theposhbint wrote: »

Evening all, I've been pondering something for a while and cant make up my mind. Which would you overpay on first?

Barclaycard/egg £6100 0% til jan 2013
Santander £626 0% til feb 2012
HSBC £830 on nominal interest about £4 a month til June 2012
Halifax £1430 overdraft repay, 0% til sept 2012
Barclaycard(2) £2030 15% interest til June 2012
Virgin £1929 0% til paid off

I can't decide whether to go for the lowest balance first to give me a boost, the highest interest one or the card with the 0% ending soonest.. It's driving me mad, one month I overpay one then change my mind a little guidance would be invaluable & I can really get going. Thanks

That would depend entirely on how much I had to overpay with :rotfl: if it was like £300 then I would get rid of the santander first as I know I could pay it before the interest kicked in, if it was £50 then I would hit the Barclaycard first as I would end up paying interest on the 0% in a few months anyway so would use all the 0% up first before I started whacking it . . . . omg I think i confused myself there :rotfl:

Xandersmum

Paid the MIL an extra £100 today due to some good ebay sales - only a wee chunk of what we owe but meant we have paid her back 25% of what we owe this year!!

his_missus

YAY!!!! Catalogue paid off:j

#012 £467.09/£6583:T