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

DorsetGirl_2

Hi Fiddlestick

mf0u is the organised one - she will be along later to give you a number.

DorsetGirl_2

salkunh wrote: »

Whenever Father Christmas couldn't get things I wanted as a child, it was because he was leaving them for the birthday fairy....good job I have a January birthday otherwise there might have been trouble :rotfl:

If it doesn't arrive, just print / write a letter saying an elf forgot to put it on his sleigh, but as soon as the reindeer have had a rest he'll be back to drop it off. I bet with all the excitement of Christmas day she won't notice...just don't get upset about it as there's nothing you can do

One year my friends little lad sent different lists to Father Christmas and didn't put the same things on each list...his Mum found out 10am Christmas morning that he wanted a garage that he'd never mentioned before :rotfl:

Thank you. I rang the company and they promise it will be delivered tomorrow, so I will keep my fingers crossed.

sharronej

idristhedragon wrote: »

Not sure jakes-mum it says (shuffles into backroom to grab letter)
Your interest rates
description
Your cash rate 3.990%
PURCHASE INTEREST 3.433%

above the figures it says monthly rate and expiry date N/A after each figure

It also says my estimated interest for the next statement is £10.21. The balance is £217.56

It's more than likely your monthly APR rate when you compound it into annual your Purchase interest is 49.94 compounded and 41.27 non compounded.....which is where you thought it was originally.

camuk81

Evening gang , #149 reporting in. With all this money I have been throwing I missed another payment off total is now £830.61 paid off

Lesson learnt another tab on the spreadsheet sorted

camuk81

sharronej wrote: »

It's more than likely your monthly APR rate when you compound it into annual your Purchase interest is 49.94 compounded and 41.27 non compounded.....which is where you thought it was originally.

Ouch that's gotta hurt, you know what to do now, pay it off

velvet27

Hi Fiddlestick...I joined a couple of weeks ago, posted my debt and have been added to the list of debt free by xmas 2012 challenge. I have just paid £30 off my £2700 debt and am not sure how it gets recorded.

Added to that I am told by my children that I am PC illiterate and admit that I struggle to get around this site without their input but I am determined to pay off this debt and like to read the posts as they give me a a much needed boost!


:j

camuk81

Velvet you'll have a number on the front page, which will tell you who you are doing on your target. Well done and keep it up.:j

camuk81

velvet27 wrote: »

Hi Fiddlestick...I joined a couple of weeks ago, posted my debt and have been added to the list of debt free by xmas 2012 challenge. I have just paid £30 off my £2700 debt and am not sure how it gets recorded.

Added to that I am told by my children that I am PC illiterate and admit that I struggle to get around this site without their input but I am determined to pay off this debt and like to read the posts as they give me a a much needed boost!


:j

Velvet number is #142

Putting it in different colours makes it easier to read when scrolling through the pages for m0fu

sharronej

Here you go Velvet27

mf0u1098 wrote: »

Important Notice

To help me run this thread easily, could you please all post your totals in large text and in a bold colour, i.e.:

£265.43/£7685.67
(where the first amount is the total you have paid off so far in this challenge and the second amount is the total you pledged to clear by Xmas 2012.

It would also be a big help if you could also put with it your number from the 2nd post.

i.e. another £50 paid off so now the total for
#001 is £315.43/£7685.67

Cheers, mf0u1098 (aka Jemma) xxx

Machine_2

Right then guys, confession time. I have been reading and keeping up to date with the posts on here but thought I should post now again.

Last Friday was my works Xmas party and I had planned to spend (including meal) £50, key word there is planned, I hadnt budgeted as I knew I didnt have the money in the first place but had no choice I had to go.

So next day I look into my wallet and no notes left but a bit of change to which I think fair enough, but then....

... Oh no, I check my bank and realise in my drunken state I have withdrawn and spent another £20 from my debit card and another £20 from my barclaycard, meaning Xmas is gonna be even tighter now!

Also this means that the additional payments I have made to my debt now seem pointless! I know I have only myself to blame and it has made me more determined going into the new year, I just now know I have to be patient and wait til Jan now to make any additional payments.