📨 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!

Pay ALL your debt off by Xmas 2014!

1214215217219220365

Comments

  • nolongerindenial
    nolongerindenial Posts: 1,041 Forumite
    amr547 wrote: »
    do you send the items signed for? and/or do you have a receipt? if you do then you can claim the money back from RM.

    Very little goes signed for, as a business seller we just build the price of anticipated losses into the cost of items so unfortunately for the honest punter they pay for the losses

    Unfortunately if we sent everything signed for, nobody would pay for it as it would increase our prices in a very price competitive market
    £4142.49/ £131,795.91 - 3.14% paid off or only £129,608.80 to go!
    Debt free by Xmas 2015: #182 £1955.38/£4435.51 (44.08%)
    MFW: Opening Balance: £108,297.91 Original MF Date: June 2042
    Current Balance: £106600.27 Estimated MF Date: Dec 2033
    Proud to be dealing with my debts
  • minicooper272
    minicooper272 Posts: 2,131 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Very little goes signed for, as a business seller we just build the price of anticipated losses into the cost of items so unfortunately for the honest punter they pay for the losses

    Unfortunately if we sent everything signed for, nobody would pay for it as it would increase our prices in a very price competitive market

    I do wish they did an option between signed for and normal post sometimes. I find it a bit of a hassle if things get sent recorded delivery - I'm never in, and always have to collect, but can sympathise with wanting the piece of mind it's been received. Maybe Mr Postman should start taking a snap when he posts it through the letterbox?
  • Guna
    Guna Posts: 28 Forumite
    #197

    Mortgage came out today, another 199.45 in a pot.
    Mortgage £8472.53
    Student Loan £44156.09
  • Realised last couple of months been relying on the CC again - thats what got me into this mess in the first place. So paid most of it off, and am just going to have to struggle.

    #128 £400 paid of cc
    £4813 / £5000 96%


    So nearly there!
    Just 2 loans to go, one ends November, other one November next year. Might add them onto target and start getting rid of them too. Never thought I would clear my CC so quick.

    Tf x

    :oTotal Debt: L1 £4866, L2 £1050, CC £0 Original Debt £29 k :o
    £5 a day July challenge Member # £9.40 / £70
    (£5 a day challenge since Nov = £1472.34)
    Sealed Pot Challenge 7 Member # 2101
    Debt Free Wannabe Nov 2014 Member # 128 £5613 / £10 000
  • ali_bf
    ali_bf Posts: 99 Forumite
    edited 13 May 2014 at 10:38PM
    That's another payment made today ... £437 off my virgin credit card and £11.21 off tesco credit card .... Every little bit helps!
    #171
    Argos 138 / 842 Halifax 24 / 2418, Virgin 41 / 4500, Barclaycard 170 / 7359, Tesco 25 / 1362, Tesco / 852, Loan 250 / 1750, Next 52 / 750, [STRIKE]Studio 30/30[/STRIKE] [STRIKE]overdraft 640/640[/STRIKE]
    Total paid off £1360 / £20223
  • nolongerindenial
    nolongerindenial Posts: 1,041 Forumite
    Well im well underway on my end of May £1999 challenge, Just totted up the past 24 hours income, and they total £134.65, 6.74% of the £1999 and brings my christmas target a little closer - figures updated below



    Debt free by Xmas 2014: #182
    £1869.01/£22,000 (8.5%)
    £4142.49/ £131,795.91 - 3.14% paid off or only £129,608.80 to go!
    Debt free by Xmas 2015: #182 £1955.38/£4435.51 (44.08%)
    MFW: Opening Balance: £108,297.91 Original MF Date: June 2042
    Current Balance: £106600.27 Estimated MF Date: Dec 2033
    Proud to be dealing with my debts
  • 666paw
    666paw Posts: 332 Forumite
    edited 14 May 2014 at 12:18AM
    Thanks Mini

    I would like to declare 3643.57 as my total to clear. #199

    Not sure if it's doable for me but I need to get it cleared. It's amazing the totals some of you manage to clear and I would love to know how you do it. Will need to have a good read of the thread from the beginning and see if I can pick up any ideas.

    Thanks
    666
    MFI3 T3 # 75
  • Factory Pilot touching base for a mid-monthly update.

    So, #195 £799.96 / £3,323.61 - 23.5%

    Didn't buy the supercharger, not sure what next month will bring, will be an expensive one, will have to see.

    Track day next week though (petrol to get there), thank you sister for buying my birthday present and driving and Aeriel Atom, cannot wait.

    She also wanted an racecar experience, so I couldn't help myself and bought us both a nascar one......hence why potentially some smaller payments next month towards debt.......

    Luckily my track car's alternator went, but the race team is sorting me out a free one for all the work I put in my spare time!!!!!! So it's mid month, get paid next week and still on target.

    Staying chuffed.

    Good luck to everyone else debtbusting!!!!
    MBNA £788.82/£1,416.82 Nationwide cc.£743.12/£906.75 Bike Finc£916.71/£1,083.37 DFW Christmas2014 #195 £958.29/£3,406.94 28.1%paid
    House Saving -£15,621.83/£20,800.00 + £8,000.00
    'why are you laughing?' - 'becuase if I didn't laugh I'd cry and I don't like crying very much'
    Speedhunter - #JoyOfMachine
  • araminta
    araminta Posts: 218 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hi all

    Update from me after I have just made a full & final settlement for Santander loan, #095 £7,276.33/£8,500 = 86% paid, nearly there wo hoo :j
    DMP Nov 09 £25,851.93 DMP June14 £0 100% paid:D
    [STRIKE]Target DFD 31st Dec 2014[/STRIKE] DFD 7th June 2014:j
    VSP no 118 £153.25 Weekly Savings Challenge #12 £276/£1378 PAYD by Xmas 2014 #095 8,500/8,500 = 100% paid #22 £365 in 365 days 168/365
  • marliepanda
    marliepanda Posts: 7,186 Forumite
    Had a bit of a naughty splurge :( needing to get Mums presents, coupled with good points offers, discounts, free shipping thresholds and limited edition items has made me spend about £200 more than planned.

    Havent got in any more debt, its just come off scheduled repayment, though I am still ahead (and still under my total of survey earnings which was my aim)

    I am half sad I was naughty but also a bit pleased with my savings/points etc. We all need a treat now and then!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 599.9K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.