Pay ALL your debt off by Xmas 2013

minicooper272

amr don't stress about it too much, you can always put a piece of furniture on top of it - they'll never notice! You'll think of something

Have you had a look for any runs on Eb*y? Or try Gum tree? It won't be split new, but it's a cheaper alternative in the interim.

You've made a good run of progress so far, and it's only March!

amr547

i've put the recycling bin on it:rotfl:

the buns arent going back outside til mid april when it warms up a bit so i have time.

the wood is just a better quality wood which is what i need, the idea is we will create several panels then when we move/have a bigger garden then i have the flexibility to add more panels if i want to. i purchased 30m of mesh for £33.50 with delivery :eek: but the wood will be about £40, which isn't that bad really but eh, i only wanted to spend around £50 in total.

the run that is 'compatible' with our hutch is 4 x 4 x 2 and is £65, whereas as will be a minimum of 6 x 4 x 2 and possibly more if it will fit in the garden cos will have plenty of spare wood / mesh to expand it. hmmm.

kerri_dfw

Could you not use old crates that you can pick up in old skips? Do you know the ones I mean, the plinth things

SpagBol

choclover wrote: »

Hi, just a quick one from me. Apologies i haven't been around much and haven't been able to catch up. The debt is moving around left, right and centre at the moment, so I'm not even sure my spreadsheet is accurate. Next was finally paid off a few days ago, just in time for my statement, so I didn't have to pay any interest - woohoo! But they've only gone and up'd my credit limit by £2.5k- cheeky wotsits! I figured I may as well keep it as I might be able to grab some bargains in the sale in a few months time. Also cap 1 has increased my limit by a grand. It's really scary having all this money being thrown at us!

We looked at the OH's credit file and his CCJ has come off it - it's such a relief and probably the reason why he's managed to get some cracking 0% BT cards!

I sent off a letter to Black Horse to claim for PPI mis-selling, thinking that because it was taken out in 2008 - just when all this PPI business was in the news - that we wouldn't get anything back. Well, it just proves how wrong I am, as this morning OH received a letter offering him £1.8k! It's a fantastic amount of money to receive in one go (for us anyway) and once we get it, it looks like it could pay off the car (we will have to get a settlement figure) early, giving us an extra £250 a month!

Wowser fantastic! Good to hear from you too choclover

2 Direct Debits have come out and our total is now:

#002 £808 / £45,000 1.8%

Nearly back up to £2k :rotfl::rotfl:

27 things on ebay some finishing this weekend.

choclover

SpagBol wrote: »

Wowser fantastic! Good to hear from you too choclover

2 Direct Debits have come out and our total is now:

#002 £808 / £45,000 1.8%

Nearly back up to £2k :rotfl::rotfl:

27 things on ebay some finishing this weekend.

Thanks Spagbol! Acceptance letter has eagerly been posted this morning I suppose we might not get it until the end of April, but it'll be worth the wait!

parsniphead

SpagBol wrote: »

Don't forget to try cashback sites if you do this...both of those companies always offer huge amounts. We are going freesat which is free


Well done moaning myrtle that is a stonking total!!:T:T:T

Well done fleur, getting rid of an OD is a very good feeling and will save you ££ in interest :j

Well done on the PPI parsniphead!! I am STILL waiting from a response from C4pital1 I sent the letter in November!!:mad:

That's disgraceful. Don't they have a set amount of time to reply. I would get on to them and give them a good kick up the bum.

choclover wrote: »

Hi, just a quick one from me. Apologies i haven't been around much and haven't been able to catch up. The debt is moving around left, right and centre at the moment, so I'm not even sure my spreadsheet is accurate. Next was finally paid off a few days ago, just in time for my statement, so I didn't have to pay any interest - woohoo! But they've only gone and up'd my credit limit by £2.5k- cheeky wotsits! I figured I may as well keep it as I might be able to grab some bargains in the sale in a few months time. Also cap 1 has increased my limit by a grand. It's really scary having all this money being thrown at us!

We looked at the OH's credit file and his CCJ has come off it - it's such a relief and probably the reason why he's managed to get some cracking 0% BT cards!

I sent off a letter to Black Horse to claim for PPI mis-selling, thinking that because it was taken out in 2008 - just when all this PPI business was in the news - that we wouldn't get anything back. Well, it just proves how wrong I am, as this morning OH received a letter offering him £1.8k! It's a fantastic amount of money to receive in one go (for us anyway) and once we get it, it looks like it could pay off the car (we will have to get a settlement figure) early, giving us an extra £250 a month!

I put it off for ages too but doing it paid off this year and last. I have had a few say no but there is no harm in trying, just the cost of a stamp. I was really nervous for some reason.:o

Some great progress on here, it's the most motivational thread.:T. Keep going everyone.:T

32b3in2013

Afternoon

I forgot to add a quidco payment which I have paid off of my credit card. £1.13

Total now #11 - £3545.87/£10,224 = 34.68%

Loads of things ending on ebay tomorrow so hopefully I will be back with some more payments.

32b3

amr547

:j:j #032: £2,057 / £4,100 :j:j

OH is now DEBT FREE!!!!! well technically, as the DMP is GONE!

SpagBol

amr547 wrote: »

:j:j #032: £2,057 / £4,100 :j:j

OH is now DEBT FREE!!!!! well technically, as the DMP is GONE!

Woo hoo fantastic news :j:j:j

Well done you and OH :T:T

amr547

i'm sooooooo excited because we are now half way

i am hopefully putting away £500 this month towards the sofa, then on pay day we will pay the sofas off straightaway so we can't spend the cash:rotfl: