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

phoebesmum2105

Another payment today so things still going down, feeling tired today though, all the extra work is starting to take its toll, keep up the good work guys xx:j

angelbob

Hi I had a good day today
I was up until late last year (when i did a boot fair and made £140) a HOARDER:o:o
but now I'm cured :T
today i boxed up old dvds, cds, books and games (most hadn't been used for 4 years) and Zapper are collecting on Tuesday. If all goes well that £106 to pay towards my debts. yay
the kids look at me like im mad, i have stuff everywhere and it will all be sold.
.................................................runs off to hunt for more treasures xxx

p.s i love this thread

Miss_Information

Hoping to be much less overdrawn when it gets to payday this month, and then every month after that hoping to have a little bit left to make payments with! I have also lost weight (I weighed myself this morning despite vowing to only do it once a week!) So after this weekend I'll be making a payment and posting my weight loss (assuming I don't get tackled to the ground and force fed by a pizza and chips over the weekend.....)

Good work everyone x

dd1981

Hello everyone!

Have paid a little off my debts today, £26.11. That's the final amount minus the interest. So have now paid off....

#056 £798.59/ £9.793.81

Slowly but surely paying it off :j

There are some fabulous results on this thread. Am looking forward to paying off more when we next get paid

DD
x

kerri_dfw

Karenann inspired me to call Wescott and Lloyds this evening to see about reductions in amount or freezing interest. I'm dead chuffed with myself.
Wescott have agreed to reduce my amount from £1760.50 down to £1400 which I can pay £466.66 each month for 3 months to clear. It's a partial settlement but they said that'll be it then, no more money will be owed and it won't be passed to another debt collection agency yay.

I then phoned Lloyds and asked for my interest to be frozen. They took down my income/outgoings and offered me £12 a month repayment plan over 6 months with frozen interest. Result!

So I will clear my balance as usual on vanquis to have 0% interest there, then pay wescott their money from vanquis cc credit. Then pay freemans from vanquis cc credit, which will deplete my money on vanquis. Pay lloyds from my hsbc account and hsbc interest from hsbc account. So only interest is freemans and hsbc *claps*

So all in all I have just saved myself £360 in an hour whoop whoop.

#005 reporting in with £1617.50/£5030

techsavvy_2

#295 starting off with £440/£20,030

mumsiemum

kerri_dfw wrote: »

Karenann inspired me to call Wescott and Lloyds this evening to see about reductions in amount or freezing interest. I'm dead chuffed with myself.
Wescott have agreed to reduce my amount from £1760.50 down to £1400 which I can pay £466.66 each month for 3 months to clear. It's a partial settlement but they said that'll be it then, no more money will be owed and it won't be passed to another debt collection agency yay.

I then phoned Lloyds and asked for my interest to be frozen. They took down my income/outgoings and offered me £12 a month repayment plan over 6 months with frozen interest. Result!

So I will clear my balance as usual on vanquis to have 0% interest there, then pay wescott their money from vanquis cc credit. Then pay freemans from vanquis cc credit, which will deplete my money on vanquis. Pay lloyds from my hsbc account and hsbc interest from hsbc account. So only interest is freemans and hsbc *claps*

So all in all I have just saved myself £360 in an hour whoop whoop.

#005 reporting in with £1617.50/£5030

Well done thats brilliant! Always worth picking up the phone :T

recurrent-ostrich

Aaargh! I'm drowning. Back to Uni this week, three modules this term plus three days a week working. :eek: Got home to chaos, kids and creatures not fed, mountain of post and bills to sort out. I seriously need a PA/housekeeper. :rotfl:Shame I can't afford one, eh? Am slowly getting next lot of statements through so can do my monthly update soon, once interest is on snowball.

mumsiemum

Have paid £200 off today so my totals are

#242 £550 / £5175 10.63% :j:j:j

Machine_2

To all who were giving me advice about my iPhone 4s yesterday, I've decided to sell the phone and get myself an iPhone 3GS and with the profit pay off some more debt!

I would go for a cheap cheapy phone but I was my iPhone like a computer, I chat you wonderful people on here, I've got my spreadsheets and diary on it so need an iPhone to keep in touch with my debt busting