Pay One Debt 2012!

Alwaysthebusybee

Thank you Emily for adding me.

I did manage to read the entire post from beginning this morning.

I have also managed to have a proper look at my debts and I am sorry but the CC one is just too much for me to take on!

Can I change it to my littlest one please - I really don't want to get disheartened by setting myself a massive task I know I can't do REALLY SORRY TO CREATE YOU MORE WORK!!

Catalogue - £347 (aiming to pay before the interest kicks in!)

My debts are as follows ...

Mum £1470 (My next joint priority)
Barclaycard £602.77 (My next joint priority)
Next £1042.35
CC £1472.05
CC £4376.60
Loan £6521.01

Total £15,831.78 :eek:

I have arranged for my interest to be frozen on a fair few of my debts and I am also making token payments due to reduced hours at work, hubby on minimum wage etc - however hubby has since got a better job but I will be on maternity so I am rewriting to them in January (to actually increase the payments), I am leaving more of a cushion as I have in the past budgeted and under budgeted - hence the debt to my mum ... so I am hoping to have some emergency savings in place rather than my mum, which I have been informed is allowed on DMP (I have a CCJ , court was very helpful making sure i'd left enough money to cover bills etc and emergencies)

Anyway sorry to ramble - I look forward to the challenge - as you say we are people that can't afford to throw lots of money at debts, just a little bit here and there!

Busybee x

suze369

Hi Emily

Can I please join your challenge?

I had been planning to get in better financial shape next year, feel so much more positive starting today instead. All of your stories and debt actions are inspirational to me

I want to clear my John Lewis Partnership Credit Card: £4069.71 in 2012

Thanks

e4rub

Hi all
Just a quickie again!!!!!
Gran still the same but thanks for all your kind words xx
Will update list tomorrow as off out with the mums from school for the first of my three xmas meals xxx

mud_flower

I wasn't aware of the price increase Emma, thanks for the info. Will need to look into this, having said that I owe them a bunch of money, so i'm not in a strong position to protest . Good luck and keep us posted :beer:.

Update: £53.20 now saved to pay off the dreaded orange phone bill.

have a fab weekend all. x

emma2105

Update on Orange: Spoke to Orange on Friday and got through to some silly woman that read from a script and couldnt say anything other than what was on the script who also kept talking over me. . . so on came her supervisor who proceeded to speak over me!! got extremely annoyed. So spoke to phones 4 u about buying out my contract!! in January im going to lower my orange tarriff to £30 a month! then phones for you will give me a cheque of £150 and get me a contract on a blackberry for £20/£25 a month. I can then recycle my iphone and get roughly £230 for that and pay off my orange contract!!! soooo in a month or so time i will be paying approx £20/25 a month rather than £52!!! Orange always seem to be able to charge me over my tarriff. Stupidly though i never check my bill to make sure.

GOODBYE ORANGE in the new year!!!

20 days till XMAS! hope you all had a lovely weekend!

x x x

e4rub

Hi all, Sorry I have not been here over the weekend. Gran still poorly and there is not much that can be done for her.
Anyway, I have updated balances and added newbies. You are all doing fantastic, keep up the good work xx

emma2105

Just noticed on my capital one card i am being charged £7.81 a month for Payment Protection Insurance. I've had the card for a year so that's about £93, i am not 100% sure if i asked or this PPI or not but im going to try my luck later and call and say i didnt want or dont want this. Then if they prove that i did want it then fine but if not HELLO REFUND! lol x x x

freebyfifty

Another 0.84p of my Freemans account please. I didn't pay as much interest as I calculated

Hope you are okay Emily, sending you a ((((hug)))).

e4rub

Hi all
My Gran died early hours of this morning:sad:
It was very peaceful and she didn't suffer at the end.
I will probably not be on here for a couple of days and would really appreciate it if you could make any newbies aware of the situation and that I will add new members/amend balances ASAP

Emily xx

emma2105

Hi Emily,

ever so sorry for your loss! take all the time off you need. . . everyone here appreciates all the help you are giving us all. . . if you want one of us to help you at all just say

Em x x x