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0% CC has reduced my DFD by 5 Months. Hurrah!!
Lellylion
Posts: 43 Forumite
Just managed to get an RBS card, now I know it seems to daft to now have 7 debts instead of 6.... But its 0% for 13 months and once thats over its 7% cheaper per month than the current barclaycard interest were paying.... so we're quids in basically. Unfortunately, they won't give me a limit high enough to wipe a whole card off, buts its still saving me money so its a plus.
I have just re-snowballed and its gone from Feb 2012 to Sept 2011... Hurrah.... Realistically we could actually bring that down a few more months I get paid commission so when I get a good pay cheque will clear a bit more.... but don't want to tempt fate just yet.
I just can't beleive how helpful and supportive all of you are on here. I thought I was going backwards and to be honest... I WAS!!! Untill I found out how to snowball, found quidco, all these suggestions its just FAB. I am just so positive about clearing these debts for the first time in ages, well... ever really...
OH is also on board and were budgeting like crazy, the kids already know they will get just 1 christmas present this year, not the normal 6 or 7....They too are being really good about it, infact we went to Tesco's after we had spoken to them and they were scouring the shelves for cheaper prices.
Managed to do our first weeks shopping spending just £64. (Last weeks was £142) Admitedly I have written down our weeks meals and used loads from the storecupbard, quite frankly didn't even know we had so many tins.
So, roll on another fab saving week. Looking forward to my next months statements arriving now, so I can start reducing my total debt figure on my sig.
I have just re-snowballed and its gone from Feb 2012 to Sept 2011... Hurrah.... Realistically we could actually bring that down a few more months I get paid commission so when I get a good pay cheque will clear a bit more.... but don't want to tempt fate just yet.
I just can't beleive how helpful and supportive all of you are on here. I thought I was going backwards and to be honest... I WAS!!! Untill I found out how to snowball, found quidco, all these suggestions its just FAB. I am just so positive about clearing these debts for the first time in ages, well... ever really...
OH is also on board and were budgeting like crazy, the kids already know they will get just 1 christmas present this year, not the normal 6 or 7....They too are being really good about it, infact we went to Tesco's after we had spoken to them and they were scouring the shelves for cheaper prices.
Managed to do our first weeks shopping spending just £64. (Last weeks was £142) Admitedly I have written down our weeks meals and used loads from the storecupbard, quite frankly didn't even know we had so many tins.
So, roll on another fab saving week. Looking forward to my next months statements arriving now, so I can start reducing my total debt figure on my sig.
:eek: LBM (Aug 07) - £57,587.31:eek:
:j Debt now (June 08) - £0 :j
Official DFW Nerd Club - 662
Proud to have dealt with my debts
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Comments
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That's great!!! Every little helps!!!!
Total 'Failed Business' Debt £29,043
Que sera, sera.
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What a fab start!!!!Olympic Countdown Challenge #145 ~ DFW Nerd #389 ~ Debt Free Date: [STRIKE]December 2015[/STRIKE] September 2015
:j BabySpendalot arrived 26/6/11 :j0 -
An excellent start - and this is just the beginning - that DFD will be brought forward even more yet!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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way to go, plus it is so much better when the whole family gets involved.0
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Oh! Thats Great! Real morale booster. I'm waiting for my Mint application to be processed.
Keep it up with ur journey!!!LBM(23/07/07):17603.84 Balance Now(30/09/07): 16763.57
M&S CC-3847.56 Amex CC-6180.17 HSBC Loan - 5235.84 OD -1500.00 HSBC CC - 0.000 -
Brilliant news - you must be so chuffed to know that you have made such a difference to your debt free date already! Good luck and I look forward to watching your progress - this site is such a brilliant place.
DFW nerd no = 281 (graduate)0 -
Tis great! And if you get a few months payments made you might be able to transfer some more?
0% CC transfers have been key to my own financial recovery. I have just transferred to Virgin for 15 months at 0% and I will be able to pay off in full before this one expires
Edit to add: Don't forget to close the cards as you pay them off. Reducing your available credit seems to make a big difference to what new lenders will offer you.Official DFW Nerd No 096 - Proud to have dealt with my debt!0
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