Debt Free by 2017... (Hopefully)

SMD_1402

mumstheword*** wrote: »

Well done on the scratch card!!! And getting the £12 refunded! Fingers crossed on the 0%! Your doing really well!!!!

Thank you! See from your diary you've had a good day too:)

Really hoping the 0% goes back on!! On another note, also got £80 back that I'd forgotten about so I will pay that off on Monday then update my signature with that and the winnings payment! Maybe if I make a couple of payments they'll be more inclined to reinstate the offer?!

At 1,700 Swagbucks need another couple hundred for £10 cash out but keep screening out of surveys *sigh*.

X

mumstheword***

I got the 3 apps on my phone and it makes getting swagbucks so much easier! Also as I am on notice at work and cant be bothered to do much (ssshhhh!!!!) - so I have been logging on at all hours, the peanut labs do a few 3-6 min surveys if you catch them at the right time!!!!
I need to concentrate on global test market - didn't realise it was 1,000 points before cash out - only have about 200ish :mad::mad:

SMD_1402

Still no word about 0% on CC1...bummer.


£80 now irrelevant as I actually owed OH money anyway I had forgotten about so that has gone to him.


CC1 balance is still £6,708 - £6 still to go to PayPal from surveys mentioned before and I also cashed out £10 on Swagbucks yesterday so that will be another £16 I can pay off the card.


Mumstheword - that is the only problem with GTM! I had 1,700 points recently and (I think) I got £45 for them. I'm now sitting at 800 again so hopefully will have a cash out of at least £30 from them this month. I might wait until the end of May to cash out and see if I can get as many points as possible.


I seem to be £60 down from this weekend but can't think where it went! I have been using the budget app so any transactions I made were using the envelopes but working it all out today I seem to be £60 short somewhere:mad:


Anyway, it just means I need to be on a tighter budget than I thought so my aims for this week are...


1. At least two no spend days;
2. 3 days of bringing my lunch to work;
3. Checking survey sites everyday;
4. Clearing out my handbags to stick on Facebook/eBay and;
5. No takeaways!


Wish me luck :rotfl:

SMD_1402

WOOHOO...The 0% promotion has been added to my account! I am going to try hard to get it down before the interest kicks in. £4,300 of the balance is at 0%, £2,300 is at 1.453% per month at the moment! Isn't much but is interest all the same - not ideal.

I have lowered the balance on CC1 and updated my signature:T This was including the Swagbucks reward. I now have £3.20 in PayPal with £6 still to come so should get another £10 off this week (I'll add the 80p from my expense envelope to round it up).


Lunch is brought in with me today so my goal is started..also checked and completed all of the surveys I can for the moment. Hopefully I can make a couple of more withdrawals before the end of May.
x

mumstheword***

Yay!!!! Fab news on the 0%!!!!!!

The_Prince

Well done on the great progress!


I really need to start making my own lunch. I always tend to grab food on the go and it quickly adds up.

SMD_1402

The_Prince wrote: »

Well done on the great progress!


I really need to start making my own lunch. I always tend to grab food on the go and it quickly adds up.

It definitely does! I have lunch in with me today and did the same yesterday too.


BUT other than that I have been terrible. There is another £200ish on my credit card (not even sure what from) so I have deleted both credit cards from my PayPal and cut up both cards! There is now no way I can spend on either. If I get stuck I'm stuck.


I do still have my grocery budget and expenses (have been using an envelope budget app) and I have even used lower than what I had been estimating so might have a little left over at the end of the month.


Have still been trying to do all of the extra earning that I can but it doesn't really add up to much. My car insurance is due at the end of this month so I think instead of paying £500/600 to credit card I will pay off the £180 to car insurance and then pay £300/400 to card. That will mean one less direct debit each month.


I am so mad at myself! I had been so determined. Hopefully cutting up the cards and deleting them from online accounts means I will totally not spend at all now.

Still unsure about whether to close the one I had paid off last month? It still hasn't updated on my credit report so don't think I could get accepted for another 0% deal yet.
:mad::(

mumstheword***

Good to see you back!!! Don't get disheartened!!!
I have two credit cards - both of which are in my purse - I don't know the pin to either and don't want to! If I ever need to I can use them for online purchases but I won't (I'm hoping I won't).
When I paid a lot of debt off before we moved house a couple of years ago, I lowered the credit limit on them so I had an emergency fund but so that I couldn't rack them up again.

SMD_1402

mumstheword*** wrote: »

Good to see you back!!! Don't get disheartened!!!
I have two credit cards - both of which are in my purse - I don't know the pin to either and don't want to! If I ever need to I can use them for online purchases but I won't (I'm hoping I won't).
When I paid a lot of debt off before we moved house a couple of years ago, I lowered the credit limit on them so I had an emergency fund but so that I couldn't rack them up again.

I am thinking I will close CC2 just so there isn't a temptation, even if I left it open and I was offered a 0% deal, the limit is only £1,750 so I wouldn't be able to transfer what I needed. Maybe on closing it and reducing my available credit I will be able to get a 0% to transfer whole balance of CC1 (which will hopefully be £4,500 (at most but maybe lower) by November).


I can't wait to get it all paid off and start saving! Hopefully get a holiday too.


x

SMD_1402

OK, I have been hiding all month because I have been terrible. CC1 is now £100 higher than signature (sigh).


Payday this week though. I have to pay car insurance so will only pay £200ish to CC1.


I had a look at my statements as balance is broken down as £4,282.60 at 0% until November and the remainder is currently 18.9%. After 28/11/15 the whole balance will be 18.9% so I really need to get it paid and transferred.


I did apply for a card this week but I was rejected. Signed up to Experian and I have no marks against my report and score was 2/5 then 3/5 a couple of days later (3/5 when I applied for the card but was still rejected).


Does anyone have any advice? Should I close CC2 and see if that improves my chance of being accepted? Or just keep my fingers crossed that come November I am accepted for one?!