We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The "Pay ALL your debt off by Xmas 2012" challenge - PART 3!!!

Options
1180181183185186490

Comments

  • fallenwiccan
    fallenwiccan Posts: 608 Forumite
    I forgot to mention, I was looking online at homecare from British Gas (probably a good idea for us as it's our first home) and the quotes didn't seem too bad, we could afford it but I wasn't sure if I should go the whole hog and get the electrics covered too.

    I figured I'd wait until I'd decided which to take out as it was a few pounds a month difference when they called me last night and offered me it cheaper than online and I could still get the nectar points.

    I told them to ring me back tonight so I could work out my budget but if they do I'm impressed. I figured it would be cheaper online than over the phone.
    HSBC CC - £3000 / £3000
    Halifax CC - £1032.77 / £1032.77
    Mortgage currently at [STRIKE]£82,299.71[/STRIKE] £76,017.62 would love to overpay
  • fallenwiccan
    fallenwiccan Posts: 608 Forumite
    mf0u1098 wrote: »
    Payday today and my total is now........

    001: £9,514.37 / £16736.45 56.85% :j:j:j

    Hope you're all having a great day despite the rain...

    I can't wait to work our the total for May so lets get cracking with these payments!!!! xxx

    Wow you're so close to 10,000 paid off! :T:T:T
    HSBC CC - £3000 / £3000
    Halifax CC - £1032.77 / £1032.77
    Mortgage currently at [STRIKE]£82,299.71[/STRIKE] £76,017.62 would love to overpay
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    camuk81 wrote: »
    Kerri I think this could be an inspiration for next week, where can you squeeze more money from. A review of bills, tax code, Child tax credits. We all seem to be doing it in the last few days.

    Nicole, its never easy. These things are sent to test us!
    Noted :) thanks for the great idea.

    Well payday for me, but June is an expensive month. I need two new tyres which will cost between £260-£290 depending on whether I need the wheels aligning or not. I also need an MOT grr. Then I need to keep as much money back as possible in case work send me to Montreal for two weeks. It'll be lovely to go there as OH will come and meet me on his way back from Fredricton, however I need to be able to pay for the flights out there and two weeks stay in a hotel....hmmm.

    Anyway, I've paid the obligatory £90 to the DCA and will work out how much I can put into the OD repayment pot in a bit :)

    #005 £3391.38/£5030
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • jakes-mum
    jakes-mum Posts: 4,638 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh barclays why do you like to depress me so? Just had my annual summary through and last year I paid £103 in interest for using my overdraft :( looks so much when you see it all in one go rather than £7 - £8 on the monthly statement :(

    Resolution! Must get out of the overdraft! and to think 6 months ago I was paying that twice over as the other account was OD maxed as well :eek: :eek:
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) £1596.55/£1000 (13) £1534.70/£1000 (14) £775.60/£1000 (15) £700.20/£1000 (16) £2081.34/£1000 (17) £1691.15/£1000 (18) £25/£1000
  • jakes-mum
    jakes-mum Posts: 4,638 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Ooo just logged onto my bank account and got £19 dividend paid in from some shares ive got :eek: (forgot all about them) so paid £15 off the CC :D might pay another £10 as I really dont like odd numbers :rotfl: but for the minute its:

    #16 £4291.62/£8806.89 48.73%
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) £1596.55/£1000 (13) £1534.70/£1000 (14) £775.60/£1000 (15) £700.20/£1000 (16) £2081.34/£1000 (17) £1691.15/£1000 (18) £25/£1000
  • NicoleWild
    NicoleWild Posts: 60 Forumite
    Wow well done everyone!


    Managed to speak to my parent and she is paying me £50 today as that's all she can manage so I think we can just about cover the bills tomorrow if my OH puts it in my bank today but I think it shuts at 4 :s
  • InsertWittyName
    InsertWittyName Posts: 1,073 Forumite
    Debt-free and Proud!
    mf0u1098 wrote: »
    Payday today and my total is now........

    001: £9,514.37 / £16736.45 56.85% :j:j:j

    Hope you're all having a great day despite the rain...

    I can't wait to work our the total for May so lets get cracking with these payments!!!! xxx

    Well done! I agree with fallenwiccan - that £10k milestone is going to feel great :beer:
    I was a DFW, now I'm a MFW :T
  • camuk81
    camuk81 Posts: 1,559 Forumite
    Ninth Anniversary Combo Breaker
    I know I've only £2,000 more to go after but can't wait to get to that milestone .

    Jakesmum look how close you are to 50%!
  • his_missus
    his_missus Posts: 3,363 Forumite
    Debt-free and Proud!
    Afternoon all!

    J-M, July 1st is my final loan payment day. After tomorrow, I'll only have one payment left to make on it.

    Nicole - I got it ages ago, not sure where from...it was a freebie from the MSE newsletter a few years ago. I think it's called Lime energy plug or something like that.

    One more day to go.....
  • PedroMatias
    PedroMatias Posts: 259 Forumite
    Part of the Furniture 100 Posts
    Hello strangers! I hope everyone is well, I miss the banter on here!

    Just stopping in to say although the debt busting isn't going amazingly well (though, watch this space... it's getting there!), I've nearly met my weight loss target already. The running is going well, I'm nearly back to the fitness I was before my mate ended up in hospital and the running took a back seat. Also, just booked a holiday to climb Kilimanjaro. Another challenge ;)

    Pop me down for 10lbs :D I'll need a new target soon!

    #57 10/14 lbs.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.