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My journey to being debt free.
Comments
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Hiya, one thing I noticed on your SoA was your electric bill is astronomical! I'm guessing you've got electric heating as there's no gas on there, but can you get energy saving lightbulbs, turn the thermostat down a degree on the hot water etc (I'm assuming the heating is already off!)
With the broadband - see if you can get Sky broadband as you've got their TV - maximum is £10 a month with unlimited downloadsTotal 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
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Yes we have electirc storage heaters.
The water is only turned on when we want a bath-we turn it off straight away again when used.
We have energy bulbs everywhere. all switches are turned off or pulled out at night. I dont know where its coming from?
I will look into sky bb. Thanks for that tip.
The bank thing is getting me down. I send off letters and dont hear from them. Just feels like too much hassle. But i want my money back.
Not feeling good about money at the moment. xxProud to be dealing with my debts
Claimed £1657 back from lloyds.
Have paid all my debt off with bank money
(£1300 worth)
Only a £400 loan left to pay now. :j
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Things will get better.
You are doing well.
Keep plugging on with the bank charges, it will be worth it in the end.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
A quick update on my debt situation
LLoyds loan-£1500-not sure how much will find out at review saturday
LLoyds credit card-£[STRIKE]964[/STRIKE] 900
[STRIKE] Egg credit card-£[/STRIKE][STRIKE]783[/STRIKE] Gone
[STRIKE] Littlewoods card-£304.85[/STRIKE]
[STRIKE] Store card-£150[/STRIKE]]
I won my bank charges back last week and they cleared on monday so i paid all my cards off. Im so happy. :beer::jProud to be dealing with my debts
Claimed £1657 back from lloyds.
Have paid all my debt off with bank money
(£1300 worth)
Only a £400 loan left to pay now. :j
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congrats!
Fantastic Progress!:j:j:j0 -
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thats great news well done
SC XXslowly working towards being MF one small over payment at a time :T0
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