Pay ALL your debt off by Xmas 2013

amr547

minicooper272 wrote: »

Seriously? :eek: what is it with the new, half the wedding budget, stag/hen does abroad? Could you really straight-faced ask someone to spend that much?

it's mad!!!! i would never ask anyone to do that :eek:

if i get married (:rotfl:) it will be done as cheaply as poss! i hate spending a lot of money on stuff.

minicooper272

Hmm, last week my OH and I were walking around the city we want to move to eyeing up apartment buildings. Just found one of the buildings I liked has a flat up for sale...
However, it's a ground floor flat next to the river, and having worked in flooding before, I am completely against living in a ground floor anything near a river! So it's just as well I don't have deposit money together.

amr547

minicooper272 wrote: »

Hmm, last week my OH and I were walking around the city we want to move to eyeing up apartment buildings. Just found one of the buildings I liked has a flat up for sale...
However, it's a ground floor flat next to the river, and having worked in flooding before, I am completely against living in a ground floor anything near a river! So it's just as well I don't have deposit money together.

I keep seeing loads of nice houses! But it's going to stay a dream until this debt has gone and we have at least £10,000 in the bank.

Debtslayer

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

DFBX No.40 £1478.78/£11209.95 = 13.19%

Newlywed_Saving_Ninja

32b3 - update on FB selling page sales. We have only sold 6 things but we are pleased with the amount we achieved for them. We have only sold a used Adidas coat, a Betty Boop bag/vanity case type thing that we have never used, a BNWT Betty Boop shoulder bag, a brand new in wrapping Betty Boop towel, a brand new never opened Gok Wan Giftset and a pair of used Havaiana flip-flops and have made £40 from those things! We have lots more up for sale so keeping fingers crossed a few more things go this week. We prefer selling all we can through the FB selling pages as there are no ebay fees to contend with! We are definitely going to be able to pay off Debenhams in full now, so we are over the moon. I have also found some dedicated local wedding sale pages on FB so I am hoping we can see some of our wedding bits on there too, a)for the money, and b) also to reclaim our spare room which is full to bursting with our wedding things!!!

Newleaf/Tylersbabe/32b3/wanamove/allym/rogueylawyer/Xspender - well done on all the payments, I love seeing everyone's debts coming down :T:j:D

amr - I opened a new ISA a few weeks ago, I went with Nationwide Building Society, I took one specifically for saving for a deposit on a house as that is our ultimate goal. I have to pay a minimum of £50 in to it every month, which I like as it means I will have started a reasonable pot towards our future home. Also, you can get a 95% mortgage with Nationwide because of this particular ISA, and also get cashback depending on how much you have saved when you take the money out and use it to buy your home. It has around 2% interest rate so not too bad compared to the rest of the market. We too are on operation save rather than "spendy thing" when the debt is clear as we are desperate to buy a home together! I am with you on not spending a fortune on getting married, we didn't spend lots on our big day by today's standards and are so glad we didn't, it is such a waste of money the amount people spend (I think the average cost of a wedding now is £18,000:eek::eek::eek:)

Xspender - Well done on paying the college fees, another thing sorted :T I don't agree with people being expected to spend loads on hen/stag dos, it is not fair on people at all! Having recently got married, I feel quite strongly about it! I didn't know that people spent so much on their hen/stag dos until we started planning our wedding! Outrageous!

minicooper/amr - glad it isn't just us who have the bug for buying a home! We too are stuck until we have a minimum of £10-£20k in the bank for a deposit!

I was back to work this week after our time off last week. My feel good factor has gone already, sigh :mad:

SpagBol

minicooper272 wrote: »

Hmm, last week my OH and I were walking around the city we want to move to eyeing up apartment buildings. Just found one of the buildings I liked has a flat up for sale...
However, it's a ground floor flat next to the river, and having worked in flooding before, I am completely against living in a ground floor anything near a river! So it's just as well I don't have deposit money together.

I would never live ground floor again with or without flood risk if that helps, far too noisy

SpagBol

Hi Gang! :D

I have updated the front page finally, thank you all for your patience I do try to keep the spreadsheet updated daily so let me know if I have missed your update and I will grovel my apologies.

My update for a DD that has gone out:

#002 £1518 / £45000 3.37%

:j

amr547

Newlywed_Saving_Ninja wrote: »

amr - I opened a new ISA a few weeks ago, I went with Nationwide Building Society, I took one specifically for saving for a deposit on a house as that is our ultimate goal. I have to pay a minimum of £50 in to it every month, which I like as it means I will have started a reasonable pot towards our future home. Also, you can get a 95% mortgage with Nationwide because of this particular ISA, and also get cashback depending on how much you have saved when you take the money out and use it to buy your home. It has around 2% interest rate so not too bad compared to the rest of the market. We too are on operation save rather than "spendy thing" when the debt is clear as we are desperate to buy a home together! I am with you on not spending a fortune on getting married, we didn't spend lots on our big day by today's standards and are so glad we didn't, it is such a waste of money the amount people spend (I think the average cost of a wedding now is £18,000:eek::eek::eek:)

Xspender - Well done on paying the college fees, another thing sorted :T I don't agree with people being expected to spend loads on hen/stag dos, it is not fair on people at all! Having recently got married, I feel quite strongly about it! I didn't know that people spent so much on their hen/stag dos until we started planning our wedding! Outrageous!

minicooper/amr - glad it isn't just us who have the bug for buying a home! We too are stuck until we have a minimum of £10-£20k in the bank for a deposit!

I was back to work this week after our time off last week. My feel good factor has gone already, sigh :mad:

Unfortunately wth OH's dmp we'd never be eligible for a 95% mortgage! So we are aiming for 15%. Our target initially is £10k so we can start the ball rolling with a broker.

I saw on OH's credit report that the defaults have 4 years left to run on them so that's actually not too bad. Don't really wanna wait 4 years though so a bigger deposit will be our aim!

I am still off work, and likely to be off again tomorrow. I'm dreading to think how much my pay packet will be this month!!! Nevermind...

amr547

Please help, I seem to be obsessed with pan hunting.

Yes, pan hunting. As in Tefal pans. I want new pans!!!

his_missus

amr547 wrote: »

Please help, I seem to be obsessed with pan hunting.

Yes, pan hunting. As in Tefal pans. I want new pans!!!

A strange obsession to have...have you got a cooking bug?:D
Have you an addiction of Teflon?:D

Do you actually need new pans? Can you afford new pans? Think of :money: 's mantra.