Pay ALL your debt off by Xmas 2014!

GunWharf

#174 Reporting for duty from the South Coast.

A payment made to each Credit card today.
Credit card 1 = payment of £250
Credit card 2 = payment of £100
Credit card 3 = payment of £100
Credit card 4 = payment of £100

£22224/27890

Raggydoll85

Checked my noodle.. 3/5 apparently...
does it improve over time when you have kept up with payments?? Or is it how much debt you have? lol

marliepanda

Raggydoll85 wrote: »

Checked my noodle.. 3/5 apparently...
does it improve over time when you have kept up with payments?? Or is it how much debt you have? lol

I assume its more about the amount of debt compared to income etc. I have never missed a payment or defaulted or anything but mine was 2/5, and now 3/5 (and I think it was 3/5 before, but then my credit limit increased and i spent it....)

better news about job, they decided to shortlist tomorrow instead of interview so hope is not lost. :P

Raggydoll85

marliepanda wrote: »

I assume its more about the amount of debt compared to income etc. I have never missed a payment or defaulted or anything but mine was 2/5, and now 3/5 (and I think it was 3/5 before, but then my credit limit increased and i spent it....)

will be interesting to see how it changes with my payments

Small payment thanks to a payment from MySurveys

#022 £699.25/£4363.58

minicooper272

nolongerindenial wrote: »

This month has been devastating here, quietest month ever and not enough money to pay the advertising for next month meaning next month will be poor to

I have managed to mediate thorugh the court service a £50 reduction for the legal fees of our water rates if paid within 14 days, bringing it down to £268.36 to pay rather than £318.36.

We will make the payment in 14 days even if me and my wife have to starve and only feed our DS

Gosh, you sound like you've had a tough month - I hope you have a better month ahead, and don't have to starve yourselves. I'm sure you've been through everything like this already, but you don't have anything surpluss you can eBay? Can you do any paid surveys to bring in a few pounds?

Raggydoll85 wrote: »

Checked my noodle.. 3/5 apparently...
does it improve over time when you have kept up with payments?? Or is it how much debt you have? lol

Raggy, I think it's quite a few things. It's the amount of debt and the number of debts (e.g. 10 credit cards vs one loan), it will go up if you close down credit cards you don't need any more, it might go down if you apply for lots of new credit cards. You might have a poor credit rating if you have no debts what-so-ever though, because they don't know how reliable you will be at paying things back.

nolongerindenial

minicooper272 wrote: »

Gosh, you sound like you've had a tough month - I hope you have a better month ahead, and don't have to starve yourselves. I'm sure you've been through everything like this already, but you don't have anything surpluss you can eBay? Can you do any paid surveys to bring in a few pounds?

Im a ecommerce retailer with numerous ebay accounts already - if its not screwed down its for sale already :rotfl:

We will survive - of that I am sure but I dont know how. I have this nasty habit and I really do not know how I do it but somehow I pull things out of the bag, im one of those people that everyone says you could throw in a pile of horse manure and still come out smelling of roses!

minicooper272

nolongerindenial wrote: »

Im a ecommerce retailer with numerous ebay accounts already - if its not screwed down its for sale already :rotfl:

We will survive - of that I am sure but I dont know how. I have this nasty habit and I really do not know how I do it but somehow I pull things out of the bag, im one of those people that everyone says you could throw in a pile of horse manure and still come out smelling of roses!

It's really nice you're staying so positive! Well I hope things pick up. Two bank holidays next month, people will be itching to spend some cash!

nolongerindenial

minicooper272 wrote: »

It's really nice you're staying so positive! Well I hope things pick up. Two bank holidays next month, people will be itching to spend some cash!

Ahhh bank holidays are the worst for me - last weekend we averaged £40 per day top line (~5-20% of normal)

minicooper272

nolongerindenial wrote: »

Ahhh bank holidays are the worst for me - last weekend we averaged £40 per day top line (~5-20% of normal)

Yeah, bank holidays can be dangerous. They're usually a little bit too busy for my liking though, so I'll start reminding myself now not to go anywhere! Might arrange a weekend of home baking or something...

BritAbroad

108 here.

Made a car payment made today, so now I'm at £5040.79/£10,000. Over halfway to my target!