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

Natterjack88

jakes-mum wrote: »

Natterjack do you pay your bill quarterly or monthly? If its monthly i would ring them and tell them in the nicest possible way to go whistle for £500 in one month and negotiate a repayment plan over the next few months. Though I do have my own opinions on splitting bills 50/50 in an unmatched money relationship, as you have agreed to do this, talk to both your OH and BG and say would they accept your OH's £250 and £125 of your half this month and then the other £125 next month (which they should do, tell themyour on mat leave and so on limited income) this way you both pay your half, but your also only losing 1/4 of your salary (albiet for 2 months)

Its weird- the bill is from 9/11 to 25/1 so seems to be neither! It was estimated but I checked and our actual readings are a couple of units over their estimates. They offered a repayment plan but then I have to worry about it for months then rather than the next week. I have got the money- a small amount may need to go on CC but I get paid 2/2. It just annoys me that the bill has put 2 fingers up to my debt paying. I just see it that I've lost the opportunity to pay off 2.5% of my debt. I now have 3 layers of clothing on and look forward to doing the washing up so I can put my hands in the hot water! I have a 6 month old DS though so can't let it get too cold- he's at his Nanna's today though. I suppose we just weren't being MSE enough before!

jakes-mum

Natterjack88 wrote: »

Its weird- the bill is from 9/11 to 25/1 so seems to be neither! It was estimated but I checked and our actual readings are a couple of units over their estimates. They offered a repayment plan but then I have to worry about it for months then rather than the next week. I have got the money- a small amount may need to go on CC but I get paid 2/2. It just annoys me that the bill has put 2 fingers up to my debt paying. I just see it that I've lost the opportunity to pay off 2.5% of my debt. I now have 3 layers of clothing on and look forward to doing the washing up so I can put my hands in the hot water! I have a 6 month old DS though so can't let it get too cold- he's at his Nanna's today though. I suppose we just weren't being MSE enough before!

Ah I pay my utilities bill by monthly direct debit but I still get a 3 month bill saying how much ive used, minus the payments ive made and what I still owe them. Every so often they write to me (always in the winter surprisingly ) saying they are upping my DD by £15 - £20 a month as my useage is above their estimate . . . I always then ring them and tell them to bog off as I know full well that if I pay them more now, come summer they will then owe ME a nice tidy sum :cool:, the people in the accounts department never seem to be able to comprehend that your monthly payment is based on a years useage so your always going to be in arrears or credit to them depending on the time of year

I think my worst arrear was £380 and I grudgingly allowed them to upp my payment by £10 a month, come renewal time next november (hence why im always in arrears after christmas :rotfl:) oh look they owed me money :rotfl:

psychopathbabble

I'm with BG and submit meter readings monthly, which they then use to bill me... is that something you could do Natterjack? That way you can keep an eye on your usage x

mumof3plusoh

Please can I join. I currently have a 0% credit card with a balance of £1757.82.

I think I will have managed to clear my OD this month, just need to check by 4th Feb and I will have had a whole month not in OD.:j:j:j Seems to be looking good so far, fingers crossed.

Been a lean month because of so many birthdays and have lots in Feb too :eek:. Hopefully will try and clear more next months.

Thanks again and nice to see some familiar names on here.

Mof3

his_missus

rubywhatashmoo wrote: »

Oops I forgot to actually post my new totals

#89 £1250/£1550 80.65%

Eeeeeeeeeee :j

:T:T:T:T:T Just don't leave us when you're DF, we'd miss you:(

his_missus

jakes-mum wrote: »

ahhh thank you Im happy as I even managed to snaffle back the £20 DH nicked out of the cupboard from 'his' joint account (as in the joint account his wages go in :rotfl:) he'll never even know

Also soo pleased as even after taking the money for his credit card that he used as a stop gap while his works were sorting out fuel cards, the £20 he'd nicked out the cupboard and a sneaky £50 toward the payment I made :shhh: (dont tell him) we are still only £100 into the overdraft and hes got another weeks wage to go in which will cover the incidentals that go out of that account and putt the overdraft to 0 :eek: which is the first time its been like that since we opened the account 5 - 6 years ago :eek::eek::eek::eek: NO Mr N@twest! no more overdraft fees for you!

I should point out that te £750 from N@twests overdraft is still in my figure as im not quite confident enough to mark it as paid off as id be gutted if I had to come back in 3 months and say 'oh DH couldnt get any work so we had to use the overdraft to pay the mortgage :eek:)

I can see why you don't want to consider the OD as paid off but well done for getting it to 0 :T:T:T

hummingbird

#168: £335 extra paid off. Total now: £615/£15000:j:j

kerri_dfw

Well done jakes-mum, when will you write it off? When you have an equal amount in savings? Or something else? Are you going to tell jakes-dad? Wish I was at £0

Hmm... my vanquis statement has come in but my freemans one hasn't yet.... it's due NOW freemans hurry up! Although vanquis think I've gone over my limit by 64p... I haven't I paid them yesterday they're just slow hmph!

angelbob

jakes-mum wrote: »

ahhh thank you Im happy as I even managed to snaffle back the £20 DH nicked out of the cupboard from 'his' joint account (as in the joint account his wages go in :rotfl:) he'll never even know

Hi when i was with my exes (not at the same time:eek:) i always hid money between books on the shelf, it was the one place they never found it, still do it now, even though i'm single cos i can't see a burglar stealing Twlilght lol xx

[Deleted User]

Can you update please:

#269 £670.36 out of £15978.54

I've had a very MSE day moving credit card balances around to mkae sure they are 0% . Still building quite a chunk in our UK account to pay our first payment on our USA loan which is due in March so doing well with ourselves. Also noticed the $ rate has been climbing over the last day or two so may start putting some onto our $ card to make the most of it.