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  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    grannyx2 wrote: »
    I am so impressed with your determination re the MBNA payments. I'm considering doing the same with my Arg0s card, one of only 2 that are still charging me interest.

    B^gg3r re tooth, if it's a back one, could you consider doing without it and just having it extracted instead?

    Hope it isn't as costly as you think x
    I second this :) you sound so determined re: payments and I hope the tooth isnt too expensive x
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    You've inspired me to start chopping away a little at time at my Nat West card, it's the smallest balance but the highest interest. I'm going to put all the silly amounts of money I find to it. Today I will pay the £1 I found lying in the car park.

    Keep at it Mrs H, you're doing very well!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Good luck with the MBNA card - every time I check your diary there's another payment being made
    Tilly x
    grannyx2 wrote: »
    I am so impressed with your determination re the MBNA payments. I'm considering doing the same with my Arg0s card, one of only 2 that are still charging me interest.
    B^gg3r re tooth, if it's a back one, could you consider doing without it and just having it extracted instead?
    Piquant wrote: »
    You've inspired me to start chopping away a little at time at my Nat West card, it's the smallest balance but the highest interest. I'm going to put all the silly amounts of money I find to it. Today I will pay the £1 I found lying in the car park.

    :) I am determined to make a genuine extra saving every single day and give it to MBNA - at least until I have covered last month's overspend (which was £827 and is now £773), and hopefully beyond. With a balance of £11,552 on that card I have a fair way to go!!

    Granny - Having a tooth out is my absolute worst nightmare. If it can be crowned/filled/saved in any other way I'm opting for that!

    TODAY'S MBNA PAYMENT Today is Mr Happy's second (and last) day of annual leave, so again that is a saving of £3 petrol money, which has been removed from the petrol tub and paid to MBNA.
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    In the age old saying:

    Find a penny, pick it up and all day long you’ll have good luck.
    Give a penny to a friend, and then your luck will never end

    Think of MBN^ as your friend for now x

    Granny x

    Wouldn't it be good if one of these happened to one of us:

    http://www.oddee.com/item_96795.aspx
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Honey_Bear
    Honey_Bear Posts: 7,491 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 20 August 2012 at 11:29AM
    Hi Happy Now. Oh, the dentist! How I feel for you. I regularly have bits of my gnashers snap off, and according to my dentist I'm in the generation (mid-50s) where the drill-happy trained dentists just excavated everything that looked even remotely dodgy.

    He, fortunately, did his first degree in microbiology and could never understand why perfectly healthy surrounding bits of teeth had to be mined out of people's mouths and filled with other stuff. (He's also absolutely terrifed of being drilled himself, all of which helps me cope with visits to him!) As a result, he won't drill unless it's absolutely vital, and thinks that people are better off being left with what they've got, which might just need a patch now that dental adhesives have improved so much. If your dentist is a 'drill first and ask questions later' type, is it worth trying to find another one? Unless you're in pain, is it so urgent?

    It took me weeks to find mine who has qualifications in sedation and anaesthesia so that terrified patients (me!) can have all the support they need to get their teeth fixed. I even go every six moths now!
    Better is good enough.
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    HN well done on MBNA.. so proud of you x
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The drip, drip effect will see the balance soon come down. Good luck with the dentist.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Way to go HN with the MBNA payments. :D

    I hope the visit to the dentist goes well. I have to admit I haven't been to the dentist since we moved to NZ. :o It's so expensive - no subsidies on dental treatment. :(
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Granny - OK, for now I will think of MBNA as my friend, but the truth is I wish we'd never met :D. There are some very lucky people in that article, I think lots of us on here are due for a bit of that!

    Honey Bear - Your dentist sounds wonderful. I rang to make an appointment with mine (who I really like and trust) only to be told that he has left the practice and a newly qualified one has taken his place :cool:. I'm not sure if that's good or bad really - I daresay she will be up to date with the latest techniques, but she will lack experience. I've decided to ask her if it can be patched up for now, partly to save cash but mainly so she can practice on other people before doing anything major on mine!! The appointment is 3rd September, so fingers crossed it lasts until then.

    New Leaf and Lucielle - Thanks :). I'm actually enjoying making the little MBNA payments, it's very satisfying. My monthly statement is going to look a little crazy though!

    Fluffies - I suppose we're really lucky here, having our NHS dentists. It's one of those things we just take for granted. We should all have teeth like this --> :D!

    Today's MBNA payment Well yesterday's, technically! In our kitchen we have a huge old bottle where we chuck coppers and 5p coins. I tipped a pocketful out and used it at the supermarket self-service till to pay for a large bottle of milk, a loaf of bread and a packet of frozen peas. All essentials that would otherwise have come from my grocery budget, so I've given MBNA £2.
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi Mrs H
    Sorry I have not been about much to give support but pleased to see you have a huge team of supportors.
    I like your idea to aim to pay one card off. I might pinch your idea. I know it is part of the snowball plan but mine never seems to go to plan.
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
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