Pay ALL your debt off by Xmas 2013

amr547

SpagBol wrote: »

I did a davina DVD today and my legs HUUUUURT :eek:

You are doing so well, keep it up! :T

I've got a Davina dvd, haven't tried it yet. I've also got Jillian Michaels 30 Day Shred! When I've got less on my plate (not literally ) I'll give it a go!

sarahckitten

amr547 wrote: »

no idea :mad: he's gonna ring up and sort it out on friday!

not a good start!!!!

Good luck hope you get sorted I had the pleasure (please note the sarcasm) of contacting hmrc wason the phone for ages!! today trying to explain that I haven't received a cheque that they owe me they put me on hold about 20 times, and then when I also tried to explain that my address wasn't correct they wouldn't/couldn't change which means i might not get the cheque again!!!!!:mad:

32b3in2013

amr547 wrote: »

and here was me thinking january would be a good month.

oh has just had a letter from hmrc to say he owes them money in unpaid tax. it also says he claimed £3k in JSA in the last tax year, but he wasn't on JSA. :-/ hopefully it'll be sorted out with a simple phone call but a bit worried - what if someone has used his NI number to claim it ??

Your OH isn't a civil servant by any chance is he? The CSSC (I think) lost all our details a few years ago and only came clean about it a few months ago. The letter said that they didn't know until loads of dodgy claims for tax credits and benefits were made by civil servants.

Hope you get it sorted out x

amr547

32b3in2013 wrote: »

Your OH isn't a civil servant by any chance is he? The CSSC (I think) lost all our details a few years ago and only came clean about it a few months ago. The letter said that they didn't know until loads of dodgy claims for tax credits and benefits were made by civil servants.

Hope you get it sorted out x

Ooh that's bad! No he isn't, but fingers crossed they sort it out quickly!

choclover

Spagbol is that the new DVD by Davina? I saw her on the one show the other night and she looks really toned - I'd love to look like that!

BB_2013

Okay, I'm in. Been burying my head in the sand about this but I want to pay this off so I'm in.................

My debt is £25,245

Barclaycard CC £10,245
Virgin CC £4,700
NatWest CC £3,300
Santander Loan £7,000

I'll post what I pay off each month, I'll be quite a passive contributor but it's good to know there are others in the same boat

Kerfuffle

Shrewbie wrote: »

Hi all

I'm sorry but I just have to rant a bit if that's OK and I know you lovely people won't mind.

So I moved into a new place this week. It's an existing house share (friend of a friend). I asked the friend whether there would be any agency fees but was told there wouldn't be, (think she was just desperate to have me move in as their flat mate wanted to move out and she needed to fill the room) well more fool me for not checking as I've just had to fork out £300 :eek::eek::eek: for adding my name to the contract and referencing. I wouldn't mind paying a fair admin fee but really, this practice of London letting agencies charging huge disproportionate fees is tantamount to EXTORTION. They have built up monopolies that mean you have no choice but to use them if you want to find a property and then they've got you over a barrell. I am absolutely fuming as this has set me back in this challenge GRRRRRRRRRRRRRRRRRR!!!!!!!!!!!!!!!!!!

Hi Shrewbie,

Rant away to your heart's content. Hope it makes you feel better

I'm not in the UK and I've never dealt with letting agencies, but if the 300.00 seems extortionate is there an ombudsman that you can make enquiries with to see whether it's an acceptable amount.

It brings to mind when Visa started hijacking their interest rates and people didn't realise they had the right to refuse the increase. Some companies just try to get away with stuff :mad:

I feel for you for the 300.00 set back for the month but try not to get too demoralised, at least it's happened at the beginning of the year and you've still got 11 months to rectify it.

kerri_dfw

Shrewbie, that's the cost of renting I'm afraid we moved and had to pay between £300-£400 for nothing I was really cross so I'm determined this will be our last rental now (even if the rent is high it's a lovely place and will make do until we have a deposit as we can scrimp on the chocolate, but a decent living area brings a smile).

I've just done yoga and considering in October I couldn't touch my toes, I can now get my hands flat on the floor!!! I didn't think I'd see the day

Hurray for all the fitness bods doing fitness, even if it's just walking the kids to school night night everybody x

SpagBol

32b3in2013 wrote: »

Hiya

Another 3 things sold on ebay over the past 2 days, so I have paid another £55.64 off of credit card.

Total for #11 - £968.53/£10,224 = 9.47%

Hope to be back later in the week for another update.

32b3

Oooh so close to 10% :j:j

32b3in2013 wrote: »

[/B]

STEADY!! don't be too hasty :rotfl:

:rotfl::rotfl::rotfl::eek:

amr547 wrote: »

I've got a Davina dvd, haven't tried it yet. I've also got Jillian Michaels 30 Day Shred! When I've got less on my plate (not literally ) I'll give it a go!

I've asked for the Shred DVD for my birthday...I hear it's brutal.

SpagBol

choclover wrote: »

Spagbol is that the new DVD by Davina? I saw her on the one show the other night and she looks really toned - I'd love to look like that!

No it's probably quite old now! It has 3 30-minute workouts...Pump (the one I did- kills your legs!), a cardio one and a stretchy one. My favourite of all time is the Beverley Callard (Liz from Corrie!) rapid results DVD, it is a bit early-90s now but a v good workout and I always get good results from it Must get some more up-to-date Davina ones I do like her and shorter bursts are better for me (the BC one is an hour).

BB_2013 wrote: »

Okay, I'm in. Been burying my head in the sand about this but I want to pay this off so I'm in.................

My debt is £25,245

Barclaycard CC £10,245
Virgin CC £4,700
NatWest CC £3,300
Santander Loan £7,000

I'll post what I pay off each month, I'll be quite a passive contributor but it's good to know there are others in the same boat

Hi BB_2013 :wave: you are #125 I will update the front page tonight... I'm just off to work now:(