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

Ruthy1604

:):)

mf0u1098 wrote: »

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

In April we have paid off......

£55,385.00

This means that we have paid off a total of

£373,861.37

since this challenge started

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Wow - that is AMAZING:j:j
Well done everyone

YoungBusinessman

I can post my amount owed...and prepare yourselves...it aint pretty.

£27,500 is infact owed as of this minute. Need to bring this down asap, i am on my way to debt free right this minute and i will not rest until i am there. Great thread, well done all paying off such impressive amounts already.

mumof3plusoh

mf0u1098 wrote: »

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
In April we have paid off......

£55,385.00

This means that we have paid off a total of

£373,861.37

since this challenge started

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Wow well done that is fantastic and keep up the great work. :T

kerri_dfw

starnac wrote: »

*Coughs* and which parts are you talking about? Obviously not the part I live in. I am SO hurt *struts off very dramatically* :rotfl:

Seriously though Kerri if you need advice pm me

Thanks Starnac, my OH is born and bred Cardiff so he has ideas of where I should move to. I'm thinking Penylan for the convenience of the M4 and because it's pretty there, although pricey...but then again I can get a 3 bed house with garden there for the same as I'm paying for half a 2 bed flat here, so pricey depends on how you look at things

I was incredibly pleased when I walked over the footbridge at Cogan, nodded "alright" to a bloke and he said "hello" back don't get that in London town!

Superheavy wrote: »

I'm willing to have a punt on a few parts of the valleys that aren't particularly nice.

Pontypridd.
Merthyr.
Caerphilly.

Then again, I've lived in some rather grimy parts of Swansea too, and areas that look bad aren't always the worst places to live.

Jakes-mum, my OH lived in Ponty for a bit it's where his uni is and I didn't see much wrong with it, although his housemates camper van got nicked when he went on holiday for a few weeks, so maybe it is dodgy, must be all the skint students!

mf0u1098 wrote: »

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
In April we have paid off......

£55,385.00

This means that we have paid off a total of

£373,861.37

since this challenge started

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Everybody is awesome

Now times that amount by the average interest payment of 20% and what does it make? How much have we clawed back from the creditors for this year alone? AMAZING!!!

Oh and I find a great quote with regards to peoples opinions:
“I never make the mistake of arguing with people for whose opinions I have no respect.” - Edward Gibbon.

SpagBol

mf0u1098 wrote: »

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
In April we have paid off......

£55,385.00

This means that we have paid off a total of

£373,861.37

since this challenge started

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

FANTASTIC!! :j:j:j Well done everyone and thanks Jemma for keeping the thread going and doing all the maths :T:T:T

I have had another DD go out for £120 to give me a new total...

#084 £6696 / £58000

The odd £4 might bug me so I might pay that off later :rotfl::rotfl:

jakes-mum

kerri_dfw wrote: »

I was incredibly pleased when I walked over the footbridge at Cogan, nodded "alright" to a bloke and he said "hello" back don't get that in London town!

you'll nver fit in at this rate, its not AT Cogan its DOWN Cogan :rotfl::rotfl:

And I hope you've been going down Grangemouth during your visits for a Clarpie Mum in Law brings them up for us when she comes to visit, I have to clear out half a drawer in the freezer for them DH was soooooo happy when they started offering a delivery service . . . I really need to place an order actually

EDIT: and it wasn't me who was slating Poooonteeeeeeeeeeeeee (thats how DH always says it :rotfl: all his accent comes out) it was Superheavy

kerri_dfw

jakes-mum wrote: »

you'll nver fit in at this rate, its not AT Cogan its DOWN Cogan :rotfl::rotfl:

And I hope you've been going down Grangemouth during your visits for a Clarpie Mum in Law brings them up for us when she comes to visit, I have to clear out half a drawer in the freezer for them DH was soooooo happy when they started offering a delivery service . . . I really need to place an order actually

For a what?

jakes-mum

kerri_dfw wrote: »

For a what?

:eek::eek::eek: your moving to south Wales and dont know what a Clarpie is??? :eek::eek::eek:

Its a clarks pie! They do all different types now, so probably do a vegetarian one as well now :rotfl:

kerri_dfw

Without meaning to anger you.....what's a clarks pie?

On a debt free note, I now feel a little bit stuck with my debt busting.... I have no idea how to reduce my OD without incurring a charge of £25 each time which I obviously don't want so trying to work out how I can overpay to that now? Maybe I need to filter money into a savings account until it equals the same as the OD? Or pray for a winfall *sniggers* The DCA can still receive their nominal amount each month as they don't charge me interest. Any hints or tips for the OD welcomed.

choclover

YoungBusinessman wrote: »

I can post my amount owed...and prepare yourselves...it aint pretty.

£27,500 is infact owed as of this minute. Need to bring this down asap, i am on my way to debt free right this minute and i will not rest until i am there. Great thread, well done all paying off such impressive amounts already.

Don't worry about it, when I first had my LBM about 5 years ago, the total figure was around the 40k mark:eek: (can't remember exactly and I'm now down to £17,500). It's shocking now to think how we ever spent that much money - where did it all go? We've got nothing really to show for it, which is the sad thing. Think on the bright side that things can only get better from now on!

I just realised last night that if I manage to stick to my debt free plan, I will be debt free two years from today!:j:j:j

It seems to be a long time coming, but reading and posting on this thread when every payment goes out really helps me to see that things are getting better and shows me how far along we've really come! So thank you everyone for the support!:A

Another payment went out this morning (why they can't all go out when they're supposed to I don't know ), only minimum payment but still...

#304 £1,738.20/£5210.12 (33.36%)