My road to being a millionaire - I wish

lunar

Im sure you will make it under 13kby christmas, you seem really determined with everything at the minute. i bet you cant wait for your week off, have you got the christmas shopping started yet? i want to try finish mine apart from food before the baby arrives. think it would be a bit hard going out to the shops in nov with a newborn!

Buzzbox

Glad to see you're still at it. It's been a crazy two weeks here, been working non-stop but got home earlish today, the house is a mess! lol... At least on the plus side, I get to bring down my debt by doing all these crazy hours and I get to be debt-freeee sooooon!

millionaire_in_training

:eek: I am so stoopid!!! I have already posted a parcel to e-bay that has not actually been paid for. Doh. Due £8 odds for it as well. Hopefully they will be honest and pay up. I am always worried about sending things promptly but that takes the biscuit . I wish folks were like me and just paid right away. £11.13 profit after fees. Every little helps. I will add up everything I get through this week and pay it all off my SONY account on Friday. Should hopefully manage about £50 this week. :j .I have another couple of £10'rs nearly due from scratchcards too so that will get me money next week towards challenge. Going to dancing tonight :j . I just love to salsa. Been watching them on strictly doing the salsa and I look so like that :rolleyes: . Believe it if you like. Someone in work bought me Thornton's chocolates today :sad: can't eat them cos I am on the diet. Was asked if I was taking them home for the kids but said nah they wouldn't appreciate them and no doubt I will stray from the diet at some time so I will keep them for then . Hmm not quite the attitude I should be taking I dont think :rotfl: .

Hypno. Parents evening was no problem except for the fact that I have to go with my ex and I detest him. My ds was saying all the way home' sure my dad is a nice man mum, sure he is?' He is a git lol but I always have to agree as he is just that wee bit too young yet to see through him.

Lunar you must be so excited. I have started for Christmas and it is scaring me how much money I will be spending even though I will be doing the minimum.

Buzz lucky you on the debt free soon. Well done. I dream of the day I can even say that my cc's are gone never mind the loans. The house can get cleaned any time after the debt has gone.

Take care all. I am away to put on my dancing shoes

millionaire_in_training

Buzz I hope your job is ok with all this takeover etc

Buzzbox

millionaire_in_training wrote: »

Buzz I hope your job is ok with all this takeover etc

Yeah, MIT, we're still doing ok, as a matter of fact, there is tonnes of overtime going now.... and I'm grabbing it! Thanks for asking :rolleyes:

millionaire_in_training

Jeezo. Trying not to panic here but looks like I am unable to do any balance transfers and will end up paying a silly rate of over 30% to Sony. I feel sick :mad: . Barclaycard are not allowing me a balance transfer even though I cleared the card more or less. I only have £7.24 to pay on it. I will leave that until my next bill comes in though and pay it off altogether and then close the account. Halifax will not let me transfer money from Sony as they are not accepting any transfers from that company. What the h*ll is going on?? I transferred MY bARCLAYCARD TO vIRGIN SO i COULD TRANSFER sONY TO bARCLAYCARD FOR A LIFE OF BALANCE BEFORE 0% RUNS OUT IN 3 WEEKS AND i'VE F*CKED IT UP. i'M SO GUTTED. oops caps on sorry. Feel as if I was so motivated and this is like a kick in the teeth :mad: :mad: :mad: :mad: :mad: :mad: . Right I better go look and see if I can get some credit elsewhere. Doubtful though. Also need to give myself a kick up the *rse and get my positivity back. FED UP !!

P.S. moved my DFD by 3 months !!!!!! Just to pay effing interest , AAAAAAAAAAAAAAAAAAAAAAAAAAAA ( BIG SCREAM)

millionaire_in_training

well phew. I got a 14 month 0% deal with TESCO:j :j . All happy again. It just shows what an effect a small setback has on us when we are in debt. I was so upset there. Pathetic. Barclaycard can naff off as far as I am concerned. I am definately closing my account next month when I pay it off. They are not my friends anymore. . I love TESCO now :rotfl: . Loyalty ?? What's that? Only my halifax account that is on an interest rate now andit is only 4% for some and 11% for some other bits. Been reading that they are changing their minimum monthly payments to 1% but am not too bothered as I can then concentrate on getting rid of the other debts before the daft rates kick in. Catch up later as i am away to the fat club x

millionaire_in_training

Lost another 3lb tonight. Yay. Spent too much today though Bought my costume for Halloween as I am running the Halloween shindig in work so i really ahve got to dress up if I expect everyone else to. I also got some paper plates , napkins and sweets. I bought a big inflatable cauldron so all the cans and cartons of juice can go in that in ice and be kept nice and cool. Had to pay car parking in Glasgoe as was at the orthodontist with DD and was nearlt £10 for lunch. Should have taken a packed lunch but this was DD's final visit after attending for 3 yrs so she deserved a wee treat. Got the £23 from bingo win today and have paid it straight to my credit cards. Feel as if all these extra payments I am making are going straight to transfer fee costs as I have been shuffling but should make a good inroads into the debt the next few months. Virgin card has 0% until June 09 so will concentrate on that one now after I completely clear Barclaycard and Sony. I will be down to 3 cards!! Wowsa. lol x

skint_spice

well done on the weight loss and the 0% deal, I can't wait to get rid of another card - hopefully by the end of the year... I quite fancy a tesco card with lots of lovely clubcard points...

millionaire_in_training

Thanks SS. I have lost nearly 2 stone so am well chuffed.

Right I have been playing about with figures all night and although I have paid more than my target of £335 per month this month £125 of that went on my Argos card which I hadn't confessed to. So in real terms I haven't managed my £335 target. I need to put away £50 per week until the end of this month to do it and also to raise the monthly payments to £350. This takes a month or so off of my debt free date. There's no way that I will get the Virgin card cleared by end of May unless something drastic happens but I will get it as low as I possible possibly can. Will be in a better financial position again so should manage to do a balance transfer nearer the time. Going for a browse now that I have bored everyone to death with my plans but it clears the mind writing it all down on here. :rolleyes: