We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Zero Card Debt by 28 Feb 2014
Comments
-
Absolutely fantastic:T:T:T:T
I know!!!
And to think I was only ever an afternoon of hard work away from feeling a whole load better!!
On a separate note:
Had to laugh last night when darling partner arrived at mine with two hot water bottles (classy Zebraskin covers!!?!?!) instructing me to take the electric blanket off the bed as we were now officially MoneySaving!!! :rotfl::rotfl::rotfl:Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Well good news this morning! Postie has just been with three - yes three! - fabulous cheques totalling £753!!!
Just been into town and paid them into my account, so I can transfer them across to the credit card. Halifax were going to take 5:eek::eek::eek: days to clear them. That's a bit much isn't it, especially in this day and age! What are they doing? Transferring it across tuppence at a time???:mad:
So it got paid into Natwest where i can get my hands on it now!!!
Will wait until tomorrow before I transfer it just to let the online balances catch up with themselves.
That's all the "easy money" accounted for now! It's going to get harder from this point but I've made a satisfying start!!
TW:TMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Oh great! Talk about in through the door and out through the window!!
Council Tax bill for next year arrived in the post with the cheques and guess what.....its for £775. Not changed much since last year though and it gets paid by DD but still!
£753 in!
£775 out!
That's life I suppose!Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
I do love a new diary. You're doing really well so far and just think if those cheque hadn't arrived you would be down £775 instead of almost breaking even!
Good luck on your journey. i find that writing in my diary each day keeps me on track and helps with the motivation.Lloyds CC: [STRIKE]£8651[/STRIKE] £8307 - Barclaycard CC: [STRIKE]£813[/STRIKE] £1208
MBNA CC: [STRIKE]£2712[/STRIKE] £2005 - Mint CC: [STRIKE]£782[/STRIKE] £976
TOTAL Start debt at 10th June 2015 : £12,972 :eek:
Current debt (8th October 2015): £12,496 = 3.67%0 -
your council tax is cheap...I'm in the cheapest band here and it's just over a grand0
-
Great news on the cheques :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 -
Welcome Honeypoo!
Always nice to see a new face. Do drop in for tea and fancies next time you're passing.
Taxi:
My CT is actually £1,034 but living on my own gets me 25% off.Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Paying off the £753 from the Halifax CC this afternoon, plus another £62 I found in an old savings account with Lloyds. Can't save if I've got debts!!!
Virgin took their minimum payment DD this morning too so thats another £25 off their balance.
HOWEVER!
Our planned trip to Rome at the beginning of April has just been clobbered thanks to his Holiness being chosen before I was ready to book!:mad: Wasn't quite quick enough with booking the hotel and of course the prices have gone up! :eek:Sister works for Best Western though so still managed to get 15% off:dance::T:dance: with their Family & Friends rate. Opted for the slightly more expensive option as they throw in breakfast AND minibar! Would have been churlish not to!!:D:D:D
Updating status in a bit. Should look good, but all the "easy" money has been thrown at the cards now. It'll get harder from here on in!!Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Just taken some haddock and a lamb steak out of the freezer so that's tomorrow's meals sorted. No expensive visits to the butchers for me!!
Using up all the old stuff in the freezer is quite good fun - had a good rummage and there's lots of stuff I'd forgotten I had, including a HUGE bag of "fish pie mix" from Bury fishmarket.Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Just come back from ASDA having spent £70.62. Popped it onto the Lloyds CC but will pay it off from my current a/c. That can be this month's "minimum payment" until I can drum up some more cash to throw at it.
Cupboards are all full now so hoping not to spend any more money on food (other than milk, fruit & veg) until end of March.Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards