5.7.07 what small dfw thing will you do or have you done today?

fairymagic19

Hey there fellow DFWS I am pleased to say that I am on my way to being debt free.
As of today I consolidated all of my £3724.00 debts into a flexi loan. The reason I am happy about this is that ive been trying for years to get a loan to sort out my debts and ive not been accepted until now, and its a decent rate. Although technically im not out of debt I do feel alot lighter and happier about my debts as they will now be easier to manage. Instead of paying individual minimum payments and interests to each company im now only gonna be paying one apr on the one amount and one minumum payment with the option to pay more on top. All of the money I will be saving by not paying all the extra interest, I will be saving it towards moving out of my parents by the end of this year.


Measures I have taken to become debt free.

• Closed all of my catalogue and credit card accounts to prevent getting into more debt in future saving loads.

• Cancelled my phone insurance (£10 pcm saving)

• Will cancel gym in august (£40 pcm saving)

• Will move to a different moby network in january (currently £50 pcm)

:rotfl:
Originally was paying in total 170% apr in total interest
(each company i owed was about 20-30% apr each)
Now with debt consolidation the total apr is 18% saving untold cash!!

Hoping to be debt free soon!!!
:T :j :rotfl:

luxor4t

* had a free lift to next town - OM was going to work there
* resisted Boots!
* Friend is ill - bought 20 pretty cards for 99p (were £4) and 3 gift items from the 34£1 rack (were at least £1.99 each). Much nicer than paying £1.75 just for a card and the spares will go in the present box!
* really good 'reduced' shelf in Tesco - things I needed!!
* till spit for 20 pts for something I usually buy!
* came home to find I had sold a book on greenmetropolis.com

hypno06

Since posting earlier today I have:

- walked to the shop instead of taking the car
- took small amount of cash only with me so I couldn't buy stuff I didn't need
- started off a batch of home-made yoghurt

:T

LookingAhead

Hi all. Hope the yoghurt goes well hypno!

Right then, today I have:

* Had the use of a car so no bus fare.
* Used a 35 points till thingy at Tesco
* Used a £3 off £20 worth of shopping coupon at Tesco too (bought things we always use - not just random nonsense!)
* Got extra points for using plastic boxes for shopping, not bags :A
* Took HM lunch to work
* QuidCo searches & Piggy comps
* Checked banking online
* Had a better day at work and so shelved the walking out for another day :rotfl: (it's a fantasy I have really!).
* Resisted buying shoes!

headoutthesand

well today i

- cancelled my gym membership (i told them i was pregnant agaon to get out the 'you must wait 6 months' clause:D ) saving me £26 a month

- took abck baby clothes to next that I won't wear on DS2. All still had tags and are for the age group he is in at the mo - ended up with £54 on a refund card which i will keep for christmas

- have not had my TV/V+ box switched on at the mains at all today. The microwave, toaster, kettle, tv upstairs have all been off for 2 days now. since the end of may my elec and gas have dropped by almost £10 a month jsut by switching EVERYTHING off at the wall when i go to bed.

- chased up my statements from bank - again

- done 2 surveys for Ciao making £2.35 (need to update sig)

- just popped onto Ebay. my MSE book has just sold netting me another £4.50 yeh!!!!

Gemmzie

I have ...

* Used up some tanning minutes which I had left (silly to not use something I've paid for)
* Made a model of my room and measured it all top to bottom so I can cost up carpet and paint (:j)
* Got lots of things done in town which I've been putting off for ages
* Sorted the online banking
* Fiddled with accounts to figure out how to clear debts with interest...
* ... and found a solution
* Sorted the regular saver which matured today into where it needed to go
* Started sorting a plan for the loft, for the Olympic Challenge