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smithy81_2
Posts: 67 Forumite
small changes I have made are working and I can see my debts reducing I over paid on my argos card last month and managed to save £45 in estimated interest, I also had a PPI payment paid and I paid it straight off my Credit card so thats 1 down!!
I have been reading all the posts and have taken some good advice from all you lovely people.:)
I have been reading all the posts and have taken some good advice from all you lovely people.:)
LBM April 2013 - £20372. now - £11052.38
[STRIKE]Argos - April £756.05 /£0 0% but plans finishing[STRIKE] June[/STRIKE], [STRIKE]August[/STRIKE] & September [/STRIKE]
Mbna - April £1775/£1450 0% till Jan 17
Barclay card April £6770/ £6297.28 2.8% for life
Overdraft April £3500/£3300
[STRIKE]Argos - April £756.05 /£0 0% but plans finishing[STRIKE] June[/STRIKE], [STRIKE]August[/STRIKE] & September [/STRIKE]
Mbna - April £1775/£1450 0% till Jan 17
Barclay card April £6770/ £6297.28 2.8% for life
Overdraft April £3500/£3300
0
Comments
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Well done in making a good start, is the Dorothy Perkins card the next target?
Are you doing the snowball method?ISA £1675
MiniMoohound savings £3685.86 :T Plus £3800 CTF 
'MrMoneyMuststache' my new hero, Martin Lewis my long time hero
Poacher turned Gamekeeper
Roadkill rebel No 52 Aug £1.34p Sept 24p Oct 5p Nov 5p Sealed pot Challenge No 403 £176.66(2014) :staradmin NOV NST No 200 -
Yes DP is next and another £250 of argos as interest finishes this month! using the snow ball method to try and get it paid quicker! I am very focussed and keep writing everything down and doing spread sheets on a weekly basis and try and pay a little something off extra each week - Argos card was my focus this month and when I have worked out how to update my signature I will see the improvements xLBM April 2013 - £20372. now - £11052.38
[STRIKE]Argos - April £756.05 /£0 0% but plans finishing[STRIKE] June[/STRIKE], [STRIKE]August[/STRIKE] & September [/STRIKE]
Mbna - April £1775/£1450 0% till Jan 17
Barclay card April £6770/ £6297.28 2.8% for life
Overdraft April £3500/£33000 -
To update sig, look at the thin green bar near the top, find user CP, then edit sig. ISA £1675MiniMoohound savings £3685.86 :T Plus £3800 CTF
'MrMoneyMuststache' my new hero, Martin Lewis my long time hero
Poacher turned Gamekeeper
Roadkill rebel No 52 Aug £1.34p Sept 24p Oct 5p Nov 5p Sealed pot Challenge No 403 £176.66(2014) :staradmin NOV NST No 200 -
Well done, Smithy81 - you sound totally focused.
Do you know how your credit rating stands? Just wondering if you could apply for any 0% or life of balance, low rate cards for you to transfer money to.Decluttering junk and debt in 2016
Debts - Vanquis £3500 1/1/16; DFD - when I'm dead with £100,000,000+ interest :eek: UPDATED Feb 2016 £2739.80; DFD June 2016 :j
Next - £1500 1/1/16 DFD about 10 years time. UPDATED Feb 2016 £1371.16; DFD July 2016 :j
THE GOAL IS TO HAVE NO DEBT BY THE END OF 20160 -
signature updated
I have a fair credit rating I am hoping the CC I have just paid off will offer 0% so i can shift one of the cards to it fingers crossed!LBM April 2013 - £20372. now - £11052.38
[STRIKE]Argos - April £756.05 /£0 0% but plans finishing[STRIKE] June[/STRIKE], [STRIKE]August[/STRIKE] & September [/STRIKE]
Mbna - April £1775/£1450 0% till Jan 17
Barclay card April £6770/ £6297.28 2.8% for life
Overdraft April £3500/£33000 -
What will the Argos card revert to when the 0% finishes?ISA £1675MiniMoohound savings £3685.86 :T Plus £3800 CTF
'MrMoneyMuststache' my new hero, Martin Lewis my long time hero
Poacher turned Gamekeeper
Roadkill rebel No 52 Aug £1.34p Sept 24p Oct 5p Nov 5p Sealed pot Challenge No 403 £176.66(2014) :staradmin NOV NST No 200 -
29.9% the last BNPL finishes on 7th December 2013 I am hoping to have it paid off before then.LBM April 2013 - £20372. now - £11052.38
[STRIKE]Argos - April £756.05 /£0 0% but plans finishing[STRIKE] June[/STRIKE], [STRIKE]August[/STRIKE] & September [/STRIKE]
Mbna - April £1775/£1450 0% till Jan 17
Barclay card April £6770/ £6297.28 2.8% for life
Overdraft April £3500/£33000 -
That a good target to aim for, good luck with it all, you seem really motivated and organised.ISA £1675MiniMoohound savings £3685.86 :T Plus £3800 CTF
'MrMoneyMuststache' my new hero, Martin Lewis my long time hero
Poacher turned Gamekeeper
Roadkill rebel No 52 Aug £1.34p Sept 24p Oct 5p Nov 5p Sealed pot Challenge No 403 £176.66(2014) :staradmin NOV NST No 200 -
I am doing my best love coming on this website was my LBM and not looked back just wish I had done it sooner!LBM April 2013 - £20372. now - £11052.38
[STRIKE]Argos - April £756.05 /£0 0% but plans finishing[STRIKE] June[/STRIKE], [STRIKE]August[/STRIKE] & September [/STRIKE]
Mbna - April £1775/£1450 0% till Jan 17
Barclay card April £6770/ £6297.28 2.8% for life
Overdraft April £3500/£33000
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