We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 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!

Credit Card Challenge Anyone?

191012141517

Comments

  • how the eck dya win all this stuff Emily!!!!!!!!! xxCxx
    Total debt £17,135 total paid off £525
  • Sa1sysoo
    Sa1sysoo Posts: 298 Forumite
    Part of the Furniture 100 Posts Photogenic
    I'm thinking that Emily's got an angel smiling down on her!!
    :A

    Righto, well I'm in two minds now. I have the option of completing this challenge, as we've received a settlement for our Bank Charges, but it would mean I would be without an overdraft and it that I'd feel that I've cheated! :o

    It does mean that we could start procedures against my bank though, as they couldn't whip away the overdraft.... GAH!!

    I guess I could always work towards a grand offa summat else??

    Advice greatly received! :rolleyes:
    OH OD - £100.00/£100.00 Joint OD - £100.00/£100.00StepChange: £10,057.67
  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    Um, not sure why you'd feel you'd cheated, unless cos you're getting a lump sum from the bank back. Definitely use is to pay off the overdraft if it means you can start proceedings against your bank for more.

    Yay :j first person to complete the challenge :j
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • Sa1sysoo
    Sa1sysoo Posts: 298 Forumite
    Part of the Furniture 100 Posts Photogenic
    Awwww. Thank you. :o

    I think it's because I've not put as much hard graft in as I though I would ie, eBaying, Mystery Shopping, getting extra work, selling a kidney...

    Sending a couple of threatening letter to a bank doesn't seem that hard! :o

    I hope you don't mind, but seeing as I have completed, I wanna hang round and cheer the rest of you guys on!! :T :T :T :T
    OH OD - £100.00/£100.00 Joint OD - £100.00/£100.00StepChange: £10,057.67
  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    Please stay to cheer the rest of us on - doesn't mean you can't still Ebay/mystery shop etc, it will just be going towards a different debt!
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • shamu95
    shamu95 Posts: 355 Forumite
    glad everyone is doing so well. My halifax card has gone up. am over the limit.ARRgh. had to put court costs of £150 on as moneyclaim dont take electron. overall debts gone up by £500+ this month. Got carboot sunday and start 2nd 'proper job' tues so maybe next month be better. gotta pay this card im £100 over limit and that means charges that i cannot afford
    june debt totals:
    Citifinancial £11700
    Morgan Stanley £860
    Capital one Mastercard CLOSED
    Capital one visa £1676.3
    Halifax £6650
    Barclaycard CLOSED
    Abbey £1756.85
    Dad £6625
    Mbna £2282.20
    Total £31550.35

    £1000 in 2mths challenge £228.19
  • Mrs_A_4
    Mrs_A_4 Posts: 184 Forumite
    Hello folks. First post so please be gentle!
    The only card I have near £1k is my Dorothy Perkins account card at £1557.
    I think it is my highest interest card too so may as well aim to pay it off first!
    Will cut it up this weekend...
  • shamu95
    shamu95 Posts: 355 Forumite
    hi, well done on your lbm.
    june debt totals:
    Citifinancial £11700
    Morgan Stanley £860
    Capital one Mastercard CLOSED
    Capital one visa £1676.3
    Halifax £6650
    Barclaycard CLOSED
    Abbey £1756.85
    Dad £6625
    Mbna £2282.20
    Total £31550.35

    £1000 in 2mths challenge £228.19
  • ehallett
    ehallett Posts: 1,960 Forumite
    Sa1sysoo wrote: »
    I'm thinking that Emily's got an angel smiling down on her!!
    :A

    Righto, well I'm in two minds now. I have the option of completing this challenge, as we've received a settlement for our Bank Charges, but it would mean I would be without an overdraft and it that I'd feel that I've cheated! :o

    It does mean that we could start procedures against my bank though, as they couldn't whip away the overdraft.... GAH!!

    I guess I could always work towards a grand offa summat else??

    Advice greatly received! :rolleyes:

    I've got my dad and my little nephew looking over me :o . Seriously though, my wins have increased since my dad and nephew died last year but not sure how much that has to do with it.

    Congratulations on completing the challenge :T :T :T

    You could start on another debt if you still want to join in :D

    Emily x
  • ehallett
    ehallett Posts: 1,960 Forumite
    Mrs_A wrote: »
    Hello folks. First post so please be gentle!
    The only card I have near £1k is my Dorothy Perkins account card at £1557.
    I think it is my highest interest card too so may as well aim to pay it off first!
    Will cut it up this weekend...

    Welcome to the challenge - good luck :D

    Emily x
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
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K 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.