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Diary from the South Coast
Comments
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Not the best of days on the High Seas.
Do you ever have one those days were everything you thought was going well ends up going "It's Up"? Well I have just had one of those.
Still it Is better to get it over and done with at the start of the week I guess.
One of my battles today was canceling the Equifax subsription. Having been put on to an Indian call center, All i got was a garbled conversation and I could understand very little. I kept on being told I would get a 50% discount and kept saying "NO I WANT NOTHING FROM YOU" .
After a ten minute call i was surprised to see an e-mail confirming a further 6 months subscription. I rang straight back and gave them " 6 of the best from the Broad side". Needless to say I hope that is the end of the matter.
Hope you are all enjoying the weather today,
(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
Make sure you get a confirmation email confirming cancellation.
Try noodle~they are free!I 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.
One debt remaining. Home improvement loan. 20 months left.0 -
Found "Nick Vujicic" great motivator in life. Search him out and watch a few videos-will change you life.
Pay Day soon or as I call it, Pay down debt day.
All the best from the South Coast.(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
Well here we go, Pay Day tomorrow so just polishing how much to pay off and to each of the old Credit Cards.
I enjoy this moment every month. Boat docked today and made a trip to Tesco. Starburst Sour Chews are half price at 70p, a real nice treat for the Captain.
All the best from the South Coast.(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
#174 Ahoy Shipmates!
It has been a rough few days at Sea I can tell you but we have safely docked and been paid.
I have updated my Signature below but here are the figures that matter: £6503 / £27,890
Been a costly month for me but have battled the temptations to spend. I can now start to really see progress and would like to thank everybody on this thread as I often read it late at night before bed. It can be strange at sea but this seems to keep my focus.
Not long until I can take my debt below 20k and that will be a real nice day. Have a good Bank Holiday weekend, going to be a few drunken Sailors!(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
So so close to being a quarter of the way there.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.0
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in_need_of_direction wrote: »So so close to being a quarter of the way there.
:j
So near so far but the tide is now with me!(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
All looking good
I 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.
One debt remaining. Home improvement loan. 20 months left.0 -
Weather is fine on the South Coast and today is the day i reserve every month to call the Credit Card Companies and reduce my Credit limit on all cards.
I hear people on here saying "don't do it" "It will wreck your credit rating" and all that. Well, nothing wrecks it more than the amount of debt I carry!
It is a kind or comfort blanket for me too as I know by reducing the limit, I can not spend on it!. I always keep a few hundred spare on the limits just in case though.
Hoping for good Revenue in 2 months time which will allow me to shut at least 2 cards down.
Got some nice Tesco Microwave meals on deals. I really like the Pulled Beef and onion mash-Give it a go!(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
OH who does most of the cooking is away this weekend. Your tesco recommendation sounded great but i couldn't find it anywhere.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.0
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