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Pay ALL your debt off by Xmas 2015!

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Comments

  • GunWharf
    GunWharf Posts: 308 Forumite
    100 Posts Uniform Washer
    #174 Here and I have made a payment to the Credit Card

    Now at £2,383 / £19,376
    (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!)
  • lauradora
    lauradora Posts: 1,371 Forumite
    Part of the Furniture Combo Breaker
    Just applied for one of those money transfer cards I heard about on the mse show last night. They've given me £4100 credit which means I can put all of my debt on there and hammer it all off of one card


    Well happy :)
    On a mission
  • GunWharf
    GunWharf Posts: 308 Forumite
    100 Posts Uniform Washer
    lauradora wrote: »
    Just applied for one of those money transfer cards I heard about on the mse show last night. They've given me £4100 credit which means I can put all of my debt on there and hammer it all off of one card


    Well happy :)

    I did the same last year, same limit too and if it it's a silver Card, the same!
    (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!)
  • black_cat
    black_cat Posts: 703 Forumite
    Debt-free and Proud!
    I'll be making additional payments nearer the end of the month. I really need to crack on with my PPI claims! (I have hopes that I could halve the debt if I was successful).
    £125/£4423 2.8%
  • Dizzy_Imp
    Dizzy_Imp Posts: 2,782 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    black_cat wrote: »
    I'll be making additional payments nearer the end of the month. I really need to crack on with my PPI claims! (I have hopes that I could halve the debt if I was successful).
    £125/£4423 2.8%


    It's definitely worth doing - my DH couldn't be bothered but I could and got about £1800 back after a bit of a wait! It's just filling in a few pages and sending it in. Not bad for a few hours work :)
  • lauradora
    lauradora Posts: 1,371 Forumite
    Part of the Furniture Combo Breaker
    black_cat wrote: »
    I'll be making additional payments nearer the end of the month. I really need to crack on with my PPI claims! (I have hopes that I could halve the debt if I was successful).
    £125/£4423 2.8%


    Definitely worth it, ours paid off a big chunk of our cc debt
    On a mission
  • black_cat
    black_cat Posts: 703 Forumite
    Debt-free and Proud!
    Dizzy_Imp wrote: »
    It's definitely worth doing - my DH couldn't be bothered but I could and got about £1800 back after a bit of a wait! It's just filling in a few pages and sending it in. Not bad for a few hours work :)
    lauradora wrote: »
    Definitely worth it, ours paid off a big chunk of our cc debt


    Thank you both. I've located the relevant paperwork, read Martin's advice and even begun to fill in forms/draft letters. I suppose I don't want to get it finished in case I'm not successful! Ridiculous, isn't it? :eek:
  • amr547
    amr547 Posts: 1,665 Forumite
    Part of the Furniture Combo Breaker
    oh goodness, just realised my eye test is due in March. Another thing to pay for :(
  • rubywhatashmoo
    rubywhatashmoo Posts: 587 Forumite
    Part of the Furniture 500 Posts Home Insurance Hacker! Debt-free and Proud!
    amr547 wrote: »
    oh goodness, just realised my eye test is due in March. Another thing to pay for :(

    Have you looked into glasses direct or any of the other online opticians? I got my eye test done (for free!) at Specsavers then ordered glasses and sunglasses online - just the other week they had a groupon for £23 including postage for two pairs of specs :cool: Would definitely recommend glasses direct - and they have half price offers like every month (and you can get cashback through quidco!)
  • luckystarr
    luckystarr Posts: 265 Forumite
    Fmess wrote: »
    Mine are Excel. I looked into YNAB this year but my spreadsheets already do everything I need them to and my spends one works on a similar principle of budgeting for everything and then recording the spends against each category.

    Thank you Fmess... I tried the free trial of YNAB but was not 100 % on it so I reluctant to spend £35 on it at the moment.

    With regards to the spread sheet would anybody have a template I could look at so i can get the ball rolling .

    Will be paying money off at the end of the month as waiting for payday :)
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