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Sparkles clears and saves
Comments
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Just made all the card payments for the month as got paid today...
Card 1 - £1597.43
Card 2 - £1982.64
Card 3 - £714.35
Total - £4294.42
So paid £225 off this month. Also opted to pay £80 off the dishwasher - it's not due to be paid until January but OH had a bonus this month so made sense to put the extra towards a debt when things will be tight the next few months and that will be horrendous APR so seemed to make sense to pay a bit of that.
Keeping plodding
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Wow, that is great :jI 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 -
Just caught up with you.
Congratulations on the birth of your little one. Sounds like you've got yourself back on track with being able over overpay and afford day to day living
Looking forward to following your journey *subscribed xTotal Debt at LBM - £19107.03Total now - £11091.220 -
I worked out that to clear Card 1 (now £1593) by the time the 0% runs out I need to save/make about £120 a week. It's not all 0% so the sooner I can pay off the first bit the better but this is my challenge until the first week of November. Not an easy challenge but we don't do easy on MSE
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So first £500 made We have finally had a refund from our management company where we live from last year so that's gone into the pot towards clearing the cards. 0
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Great news :jI 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 -
That's fab news.Total Debt at LBM - £19107.03Total now - £11091.220
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Paid a bit of the extra money off the cards to clear the interest bits so they now stand at...
Card 1 - £1676.85 (£700 approx till Oct, £700 till Nov, parents owe the remainder)
Card 2 - £1000 (0% until May 14)
Card 3 - £714.35
Total - £3391.200 -
Card 1 - £1531.79 (£700 approx till Oct, £700 till Nov, parents owe the remainder)
Card 2 - £956 (0% until May 14)
Card 3 - £655.38 (£500 is OH's car deposit)
Total - £3143.17
Bit of a lean month of payments, only £248.03 paid off, but then considering we were underpaid wages by over £300 - I think we did okay.
The car deposit will be paid next month hopefully if OH gets his bonus, so I'm going to try and make extra this month to clear Card 3 as that's the only bit with interest at the moment.
Then we need to tackle Card 1 as the interest starts to kick in.
Baby girl is lovely, cooing away now most of the time and doing breaststroke across the floor any time we put her down!0 -
Aww bless 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
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