Pay ALL your debt off by Xmas 2015!

bogbrsh250

abba1772 wrote: »

£11 sent to the credit card we bought a new car got offered a 0% deal on my card so put £2500 on it to get the car but we've still to sell the old one which we will get £2500 from a dealership so technically we've not added to our debt but all our debt is 0% except £400 on the credit card which I can clear this month so even tho my card has increased we'll be saving money in the long run just waiting for the papers to come back to get our private plate off our old car xx

Sorry for waffling

Brings my goal to £3969.13 / £4000

As soon as you've finished your target goal make the car your new goal and get it paid off. It's not a blessing putting a car on finance, I've always bought used cars with cash so it's not an hinderance

bogbrsh250

Just made another £100 payment to loans to home bringing my total upto

#151. 735/4080

dktreesea

Paid off another £512.01, so totals are:

122 £4516.05/£30,113 15.00%

The business is picking up a bit now, which is really good because it's unexpected, as this is usually an ultra slow period. Still, at this rate I won't be there by December. Will just have to find a way to live on £10 a day . People on the dole seem to manage it, but so far a similar success has eluded me.

dktreesea

minicooper272 wrote: »

Some exciting news - we had an offer accepted for a flat today! We will be on the hunt for a new mortgage and skrimping everything for some furniture as well, and needless to say, our debt is now through the roof!

I am once again going to bow out for a few weeks, til everything is sorted. As we've borrowed a little bit from OH's aunt and uncle, we need to evaluate how much we now owe, but by the time contracts exchange, we will also have 2 more pay days to help us out, and OH also has 6months back pay due in 2 weeks.

If you don't mind second hand furniture, auctions are sometimes places where you can pick up that kind of thing, a lot of it hardly used because it is from house clearances, so can be well looked after, for a song. We bought our lounge suite like that, a mind boggling saving over over £1,500 when I checked what it would have cost new. Leather, two couches, but with recliner chairs at the end of the couches.

Mat_Lock

ahhhhhhhhhhhhhhhhhhhhhhhh I am having a flat buying nightmare. I have already been hit by extra fees because they got missed the first time. Now I am being forced to pay another £700+ to pay for some paperwork to change name on a lease.

I'm actually on the point of a breakdown with this. How do these cowboy agents get away with charging so much for a bit of paperwork. I knew letting agents were as dodgy as hell but these estate agents are just as bad.

I don't know what to do, I can't just magically make £700 appear out of nowhere.

/sad times

bogbrsh250

Hey how many of you have heared of an American guy called dave ramsey or used financial peace university

abba1772

bogbrsh250 wrote: »

As soon as you've finished your target goal make the car your new goal and get it paid off. It's not a blessing putting a car on finance, I've always bought used cars with cash so it's not an hinderance

My new car isn't on finance its on a 0% deal on my credit card which I nearly cleared :rotfl: but I see what you mean and it will be a priority to get this card cleared before Xmas which will be amazing if not sooner but the offere I got through my credit card was because I nearly cleared off £3k in under 8 months :j

Pablosammy

Mat_Lock wrote: »

ahhhhhhhhhhhhhhhhhhhhhhhh I am having a flat buying nightmare. I have already been hit by extra fees because they got missed the first time. Now I am being forced to pay another £700+ to pay for some paperwork to change name on a lease.

I'm actually on the point of a breakdown with this. How do these cowboy agents get away with charging so much for a bit of paperwork. I knew letting agents were as dodgy as hell but these estate agents are just as bad.

I don't know what to do, I can't just magically make £700 appear out of nowhere.

/sad times

Estate agents are devil spawn. Utterly parasitic, self-centred creatures. I'm normally a nice person, but mention the Satan worshipping leeches to me and my blood instantly boils! :mad:

minicooper272

dhtreesea, thanks for suggesting that! I don't mind second hand, but would rather they deliver, as it's 3rd floor. I'll have a look around for auction places. I was going to nosey at charity shops, but if they both fail, we have some outlets nearby - not cheap, but cheaper...

Pablo, hopefully the paperwork will be fine, but when it comes to the moving bit, that should be quite straightforward - the new flat is upstairs!

dktreesea

minicooper272 wrote: »

dhtreesea, thanks for suggesting that! I don't mind second hand, but would rather they deliver, as it's 3rd floor. I'll have a look around for auction places. I was going to nosey at charity shops, but if they both fail, we have some outlets nearby - not cheap, but cheaper...

Pablo, hopefully the paperwork will be fine, but when it comes to the moving bit, that should be quite straightforward - the new flat is upstairs!

Ah yes, the 3rd floor....We're on one of those, with another 16 steps inside just to rub it in.
I would love to buy a place (and keep renting this one for storage, lol) but our couch is so heavy, and must have been so traumatised when we brought it up (our fault because we didn't realise it was so fancy and that each part could be split into two, i.e. the base separate from the top part) that it's refusing to even move out of the lounge, let alone be transported elsewhere, lol.
Then there's the attic, which has most of The Things, and our bed. Every time I dare even so much to lay eyes on The Things with a thought to moving them along, let alone move close to them, they tell me to get lost, they're sleeping. One pile has even acquired a mattress over the top of the pile (no I didn't do the deed - the pile is now taller than me) to emphasise the point.
It could be worse. What if the attic had had 10 foot ceilings, like the downstairs part....