Small Steps Out Of Massive Debt!

JoJoC

It's fantastic to have a goal like that to strive towards! I have no doubt that you can do it

GeorgianaCavendish

Money transfer has gone through so I've paid £660 off the catalogue today - it will take 3 working days to "show up on their systems" apparently :hmm:

Done a bit of admin and changed my Tesco statement date so that the direct debit payment aligns with my payday. The balance transfer is pending, should go through tomorrow. Then I will see where I am with MBNA balance and will then transfer some more from Barclaycard to MBNA using the no fee promo rate.

I'm still waiting for the bank statement so I can submit with my proof of ID to Lloyds.

I've got 150 points on Opinion Outpost (50 more needed to cash out £10) and £8.95 pending on Prolific (need £20 to cash out fee free). I've signed up to Circle so that I can get the Prolific cash out with no fee when it happens.

GeorgianaCavendish

EssexHebridean wrote: »

The way you're going, I can't see why you wouldn't be able to! :T

I hope so!

JoJoC wrote: »

It's fantastic to have a goal like that to strive towards! I have no doubt that you can do it

Thank you

Naomim

GeorgianaCavendish wrote: »

It is helping to keep motivation up, I've just done a quick snowball calculation inputting the figures balance transfers I've already initiated. That knocks two months off my DFD!


My DFD is Sept 2020. Ideally I'd like to get this down to Jan 2020 because that is when my personal loan ends. Actually Dec 2019, so that I could start 2020 completely debt free!
I don't know if it is even possible to shave another 10 months off my DFD but it is something to aim towards!

The more your debt comes down, you keep up payments, the more you will be offered 0% interest which will always help decreasing the debt. The only problem is the fees they charge to transfer a debt but I guess they have to make some money somewhere. :mad:

They way you are going, I bet you could knock 10 months off. :j

Naomi x

Chandelier.

Sounds as if you're doing well and being extra organised

hex2

Re prolific - you can install an extension on google chrome that checks for changes on website every x minutes and then does a pop up to tell you that the page has changed - in this case the surveys available page. I use one called 'visualping' which someone mentioned over on the up your income board.

Hope this helps!

kirtsypoos

Sorry GC just butting in to say thanks hex - that's amazing, I never knew anything like that existed!

GeorgianaCavendish

Naomim wrote: »

The more your debt comes down, you keep up payments, the more you will be offered 0% interest which will always help decreasing the debt. The only problem is the fees they charge to transfer a debt but I guess they have to make some money somewhere. :mad:

They way you are going, I bet you could knock 10 months off. :j

Naomi x

I selected the Tesco card because it didn't have a balance transfer fee and my latest offer from MBNA is also fee free but I got caught with a fee back in May/June which knocked out my overpayments for the month, so definitely something to consider!

Chandelier. wrote: »

Sounds as if you're doing well and being extra organised

Thank you, I'm trying

GeorgianaCavendish

hex2 wrote: »

Re prolific - you can install an extension on google chrome that checks for changes on website every x minutes and then does a pop up to tell you that the page has changed - in this case the surveys available page. I use one called 'visualping' which someone mentioned over on the up your income board.

Hope this helps!

Oh wow! That is brilliant, thank you for sharing that Hex

kirtsypoos wrote: »

Sorry GC just butting in to say thanks hex - that's amazing, I never knew anything like that existed!

Feel free to butt in, it IS amazing!

another_casualty

Hey Georgina !;)

I've found your thread. I will be doing some catching up on here ,and one or 2 others . I've been a bit slack as you've been to visit me quite a few times

Wishing you the very best and will chip in more often when I catch-up