Pay ALL your debt off by Xmas 2013

recurrent-ostrich

minicooper272 wrote: »

Spagbol I'm glad the funeral went well.

R-O I didn't even know they were still going! But definitely funnier when I was a kid, not now I'm a grown up.

Well I downloaded a property app for some fun today, and spotted a really great place. My OH and I were about to max out our overdrafts for a deposit on the spot. Except I won't be moving there for a year, and my OH is applying for a job in a different city.... But I'm slightly confused about what other costs are involved in first time buying though. Ignoring that we'd need furniture to sleep on, can any of you give me an idea?

I'd suggest a ballpark figure of £10k to buy AND sell, and £5K if you are just buying. This is for solicitors fees, searches, removals, stamp duty and so on. Obviously it's just a very rough idea.

Debtslayer

Another payment of £50 for me please; making my new figures:

DFBX No.40 £639.00/£11209.95 = 5.7%

bellabear_2

Jonesy88 wrote: »

Spag, sorry to hear about the funeral.

Well i am still sitting at a big fat zero. :mad: Fingers crossed that should all change tomorrow I read on another post somewhere about taking things 1% at a time so have got rather [STRIKE]crafty[/STRIKE] childlike and drawn myself a little debtfree table with 100 little boxes. It has little money doodles and is artfully done in felt tips . Is it sad i'm looking forward to colouring it in?

Wow-I've started doing this myself, what a great idea! My inner child also approves

Glad the funeral went ok as can be Spagbol.

One more payment to report for me of £96.54 so I'm now on;

#98 £1018.10/£11,700 so now on 8.701

Can't wait to break the 10% barrier!:j

Thanks for the inspiration all x

amr547

My laptop is dying a very slow painful death. Don't know what to do!!!

Verityemilia

amr547 wrote: »

:j:j all creditors have agreed a settlement fee! and the two debts we thought were separate were actually classed as one :j:j

this means the settlement figure we proposed has been accepted for TWO debts not one, and thism eans we can paid off the 3rd debtor at the end of this month! we have just paid them £50 now to keep payment on track as the DMP has been cancelled so that makes our total:

#032 £803 / £4400

:j we are getting there!

at the end of this month we will have paid an extra £1134 to wipe the DMP completely! :T

Hi there - I'm not on a DMP as such - well I might be - I have an agreement with 4 creditors - how do you come to a settlement figure ??? Also when you agreed your payments by DD did you ever pay more off?? I'm just paying my agreed payments at the moment as this is all I can afford but I would like to pay a little more if I can - but I don't want to be penalised for doing this and them expecting my monthly DD to go up ... Hope this makes sense and you have some first hand advice

moneyless_mac

Another £600 for me - unspent travelling expenses and a no council tax month so

#114 £2200/6381.81 34.47% paid

32b3in2013

I won £40 on the lottery last night. Shall I spend it or pay off of credit card??

kerri_dfw

Ooh patience has prevailed!!! Just nabbed two tickets on the cinema thread for Paperboy tomorrow absolutely loving going to the cinema for free at the moment and I REALLY want to see that one. I still can't believe you can go for free when it normally costs £6-£8!

Fleurlur

Oh my gosh I had to raid my "Wedding Fund" piggy bank for some money to buy a bottle of milk. And I've got to survive on £23 petrol until Thursday. Considering it's about 12 miles each way to work, this will be interesting. It's a good job I get paid weekly!

triple_choc_chip

32b3in2013 wrote: »

I won £40 on the lottery last night. Shall I spend it or pay off of credit card??

Ooooh, it's an extra, spend it! or you could be really good and go 50/50, or you could use some to buy another ticket......

My ebay not so good this week, 6 items only made £16 so I may be losing some weight this week - always the optimist . Anyway I definitely need more for next week so I have now listed a further 13 items and will now keep my fingers firmly crossed for next 7 days.

Another good thing though is that my 'do not use the credit card' rule has meant the balance is £300 less than usual by the cut off date this month (this is the card I use for food and fuel) This is a cumulative improvement since Xmas and has been helped by having snow etc., but even so I'm very pleased.