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

MFWannabe

As they are all 0% then i'd have to agree with your DH Jakesmum. Sorry i just prefer seeing one debt than a few debts:o

vw_campervan_mum

Hi all my fellow Debt-Freee-By-Xmasers!

I am so close to 50% paid off now - another week and I will be there

# 234 £6184/£12468

Keep up the good work everyone:beer:

fallenwiccan

Barbeduk wrote: »

Stupid obvious question which I know doesn't even need asking, are they all the same rate? Honestly J-M, if they are, I'd do what suits YOU best, after all, it's YOU that's sorting everything out.

Had to pop back here for a bit of sanity, had a quick peek at the savings boards, dear god above. Think I may keep a debt balance of £1 just to keep myself off there!:rotfl::rotfl::rotfl:

Shhhhh keep it quiet but Ishould be there. Everyone here is so much nicer so I stayed well my mortgage is debt right

kerri_dfw

jakes-mum wrote: »

Oh Mr CC, WHY did you not tell me to move £50 less than the balance to the new 0% card? Now you send me a bill that I cant pay anything off and I dont have the new CC details yet to pay anything toward it

DH is trying to mess with my debt busting people! someone needs to come round here with some duct tape. He wants me to pay off the 2 CC's that have £400 balance each with the extra £180 a month we will have when the loan is gone and get them out the way, I want to pay it off his big CC (£2550) and leave the other 2 to pootle along at £50 a month which will get them both to finish in december

His arguement is, we will then only have 1 debt, my arguement is that I only get to make one payment a month then which is a bit demoralising so whos right? cast your votes . . . . . now!

So you want to have:
May:
cc #1: £350
cc #2: £350
cc #3: £2320
June:
cc #1: £300
cc#2: £300
cc #3: £2090
July:
cc #1: £250
cc #2: £250
cc #3: £1860
Aug:
cc #1: £200
cc #2: £200
cc #3: £1630
Sept:
cc #1: £150
cc #2: £150
cc #3: £1400
Oct:
cc #1: £100
cc #2: £100
cc #3: £1170
Nov:
cc #1: £50
cc #2: £50
cc #3: £940
Dec:
cc #1: 0
cc #2: 0
cc #3: £710

Instead of:
May:
cc #1: £260
cc #2: £260
cc #3: £2500
June:
cc #1: £120
cc #2: £120
cc #3: £2450
July:
cc #1: £0
cc #2: £0
cc #3: £2360
Aug:
cc #3: £2030
Sept:
cc #3: £1700
Oct:
cc #3: £1370
Nov:
cc #3: £1040
Dec: £710
I think I'd be happier with your option looking at it like that as everything is getting smaller at once, instead of going "eugh I've got a HUGE amount left to pay!!!"

Avogirly, so it was how are you going with that? is it going well?

I phoned the bank and I don't think the woman ever heard someone so happy to find out they don't get charged for reducing their OD however, I went shopping today oops! So will have to wait for the expenses to go into my account before I can start to reduce the OD but I willlll do it

camuk81

Kerri, sounds like you've been as none stop as me the last few days!

Well just had to pay out for dogs tablets! Then two months interest while I readjusted my statements to match my pay days reporting!:doh: So £139 backwards!

Feeling a touch flat out. While getting super organised ended up doing 14 account plans in two days instead of 6 because everyone dumped a load of stuff on me!

Then thanks to becoming better organised decided to tackle the low broadband speed and have just become a mini champion in the area to get super fast broadband! In fact just printed 500 leaflets in the last week and gone through a whole ink cartridge in a week! :wall:

On the plus side resided I'm not paying for my other black belt in May so saved £100, and going out with the girls to pizza express where its a 3 course meal for £12.95! This is on a Friday/ Saturday/ Sunday.

PS If anyone is interested pm me and I'll sent the email. Its valid till the 10th June.

jakes-mum

Goooooooooooooooood Moooooooooooooooooorning :wave:

See Kerri gets me! bloomin DH's and their interfering ideas, he should just leave me to my own devices . . they've worked so far! Just like him to try and muscle in now we're on the halfway mark (in the figures I give him his doesnt include OD's you see, he cant deal wit too much info at once ). I think I will tell him to step off and leave my debt busting alone :rotfl: how rude! :rotfl:

antonia1

Morning everyone! Jakes-mum, I would tend to agree with your OH I'm afraid (sorry). But that is because I like to have the whole amount on one card so I don't get confused with lots of different payments. Having said that, if you prefer making lots of payments you should take that route. If you're in charge of making payments then you get to decide how to do it.

Avogirly

kerri_dfw wrote: »

Avogirly, so it was how are you going with that? is it going well?

I'm still going, slowly but surely......I'm going to start eb*ying my life away so I can keep up with the daily payments.

I don't pay off Next evey day as I'm not always able, or near a computer. However, I do like to round the numbers off, so today I paid off £1.38, taking my current account to £100.00. Tomorrow I will check the next balance and then round off that payment, say the current balance is 434.07, I may pay off 4.07 - if you see what I mean! It's becoming like a little game now!

Just going off to work out my new total......

Avogirly

There will be a big jump on the 10th May when my Ll0yds loan comes out, but for now, this is how I stand, and I'm quite proud. I'll be really chuffed when I get to 10%.

In other news I've written to MBN@ and Ll0yds to get the information on two credit cards I've had with them in the past, to see if I'm able to reclaim PPI. I was successful on my loan, so hopefully I can repeat again.

DFBX12 #340 £465.96/£6534.22 7.13%

starnac

Jakes-mum (do you know my tablet keeps auto changing your DS's name to James? How rude!!!!!!)

Anyway I agree with you. We paid all our little debts off first for the "yay I've paid off another debt" factor but now we're stuck with the biggest one and I get so p'd off as I feel I'm not getting anywhere anymore