The "Pay ALL your debt off by Xmas 2012" challenge - PART 2!!!

Nickyanne123

Hey Everyone! Hope your all well? Ive paid the last of my @rgos card today :j Im tempted to cut it up, but then what if I need it in an emergency? What would your advice be plz?

On a negative I have stayed the same weight wise After really pushing myself at the gym aswell. So this week Im going to try EXTRA hard to shift the weight, its my birthday next week so Im going to try and get under the 11st mark for then, 4lb by the 28th should be possible right?

Anyway enough of the rambling, my new total...

£1,679.60/£14,247

angelbob

Hi my Zapper parcel got collected today so hopefully if all goes well, that will be £106 straight to the credit card.
I've also listed 12 items on ebay so any money they make (fingers crossed) will also go to cc.:T
Vanquis you will be gone (insert evil laugh)

jenny.b

hi all!

been a while since i posted, - i'm still subscribed so enjoying reading everyone's posts

have a mini update = sorted out the balance transfer on the new 0% card and got a update on the balance on the old card so it has to be tweaked slightly

so instead of being £ 3442.75 it turned out to be £3469.84 - only a little bit more but thats the definite starting out number now

£1400 transferred onto the 0% card with a £42 fee = 15months interest free

so the card now is at £2069.84 -:T

overall total will be #266 £3511.84 (including fees etc) - but with a good chunk on the 0% card should save me some interest overall

phew! hope that makes sense???? but i'm not sure if to 'count' that b/transfer as a payment? cos i still have to pay it off eventually..

ebay is going well - got money in paypal that will stay there till the end of the month - to make a card payment = and the house is slowly becoming clearer with all the stuff going

got a zapper parcel collected today, so should be £29.90 coming too . and sold something via facebook local selling group and got £10 for it (but went straight on food for thursday - starting the dukan diet - meat etc is expensive!)

so now card #1 £2069.84 card #2 £1442.00

jakes-mum

Hellooooooo again :wave:

recieved my final balance on my gas and electric and im £107 in credit so according to the lady on the phone they will pay me that back in the near future cant wait as its more pennies for the debt, hopefully when I get my final balance from npower (as scottish power convinced me to switch back to them again . . . they were offering a discount :eek: how could I say no!!??) I might be in credit with them too :rotfl:

Really must send them my readings . . . .

jenny.b

angelbob wrote: »

Hi my Zapper parcel got collected today so hopefully if all goes well, that will be £106 straight to the credit card.
I've also listed 12 items on ebay so any money they make (fingers crossed) will also go to cc.:T
Vanquis you will be gone (insert evil laugh)

£106 ! wow thats good! you must have had loads of stuff

jenny.b

oh also! - i was wondering what everyone has done with their evil credit cards? I've not chopped them up - yet - I've put them in a jar on a very high shelf - so I am in no way tempted to use them (not that I think I would be now)

has anyone else cut up their cards? or are you waiting till the balance is gone?

angelbob

jenny.b wrote: »

£106 ! wow thats good! you must have had loads of stuff

Hi thanks, i know i was a big horder, not anymore though xx

jakes-mum

jenny.b wrote: »

oh also! - i was wondering what everyone has done with their evil credit cards? I've not chopped them up - yet - I've put them in a jar on a very high shelf - so I am in no way tempted to use them (not that I think I would be now)

has anyone else cut up their cards? or are you waiting till the balance is gone?

Everytime I get rid of a credit card balance or balance transfer to a 0% I always ring and cancel the card . . . . I must have had every credit card going :rotfl::rotfl::rotfl:

jakes-mum

omg my memory is shot today!! also forgot to say i got another £5 amazon card from swagbucks today that makes 11 ive redeemed

kerri_dfw

Affordmylife mini payments mid month using the money I have leftover from my grocery budget each month :-)