On a Mission

Mummy_bear

Middle of the month and a few more payments have come out.

Managed to figure out how to make payments to the HSBC CC. Unlike other credit cards I've had their app doesn't allow you to pay it, unless you have other accounts with them. So I've set up a Payee via my current account holder and paid it that way...however took a Google to get all the info I needed to do that. There was no info on this info the paperwork provided or on the help section on the website.



Totals as of 15th November

HSBC CC £5130 £0.84 paid off
MBNA CC £3815.50 £2 paid off
Tesco Loan £6817.28 £213.04 paid off
Santander Loan £4197.1 £155.45 paid off
M&S Loan £5429.2
DH MBNA CC £3764.85

Total debt as of 31st October £29844.04
Total debt as of 1st November £29478.92
Total debt as of 2nd November £29472.92
Total debt as of 4th November £29470.92
Total debt as of 5th November £29469.92
Total debt as of 7th November £29467.42
Total debt as of 9th November £29462.92
Total debt as of 10th November £29461.92
Total debt as of 13th November £29525.26
Total debt as of 15th November £29153.93



~~~~~~~~~~~~~~
Monthly Challenge


Earn £40 payable from survey sites didn't quite make the £50 target I'd set myself last month. So I've put it at £40

£32.83/£40

VO is now up to £9.35
PA currently has £6.11 payable and £1.45 pending.
Onepoll currently has £27.70 in there. getting through a few of these. Inching closer to the £40 cashout threshold
Yougov currently has 3100 points in there.
E.Rewards currently has 5000 points in there.
Qmee has £0.16 in there .(November cashout so far £10)



Pay off £850 from debt £759.95/ £850
I've kept this at 850 as I'm not sure whether DHS first CC payment will be this month or December

To lose 5lbs in November
I wanted to set a sensible target

I might have thought this was sensible. ..already unsure I'll achieve it haha. 1/2 lb lost



To list 20 new things on 3bay
Just to keep my momentum going

3/20
need to get on with this

MB

Mummy_bear

Morning

Very little to report at the moment.

Just chipping away at the debt.


Totals as of 17th November

HSBC CC £5130
MBNA CC £3810.50 £5 paid off
Tesco Loan £6817.28
Santander Loan £4197.1
M&S Loan £5429.2
DH MBNA CC £3764.85

Total debt as of 31st October £29844.04
Total debt as of 1st November £29478.92
Total debt as of 2nd November £29472.92
Total debt as of 4th November £29470.92
Total debt as of 5th November £29469.92
Total debt as of 7th November £29467.42
Total debt as of 9th November £29462.92
Total debt as of 10th November £29461.92
Total debt as of 13th November £29525.26
Total debt as of 15th November £29153.93
Total debt as of 17th November £29148.93



~~~~~~~~~~~~~~
Monthly Challenge


Earn £40 payable from survey sites didn't quite make the £50 target I'd set myself last month. So I've put it at £40

£36.33/£40

VO is now up to £9.35
PA currently has £6.11 payable and £1.45 pending.
Onepoll currently has £27.70 in there. getting through a few of these. Inching closer to the £40 cashout threshold
Yougov currently has 3100 points in there.
E.Rewards currently has 5000 points in there.
Qmee has £0.16 in there .(November cashout so far £13.50)



Pay off £850 from debt £764.95/ £850
I've kept this at 850 as I'm not sure whether DHS first CC payment will be this month or December

To lose 5lbs in November
I wanted to set a sensible target

0.5/5lbs

A static week


To list 20 new things on 3bay
Just to keep my momentum going

3/20
need to get on with this

MB

Mummy_bear

Morning,

Been quiet for a while on here. Not been feeling too well. I have rheumatoid arthritis, nothing I've mentioned here before but the health condition I've alluded to previously. It's not being managed well at all at the moment and I've been in so much pain. That brings on immense fatigue and also has a negative impact on my mental health. Not great with my now 5 month old twins
Had to call the hospital this week and went in on Wednesday for a steroid shot. I'm starting to feel a little more human again, just very achey.

Be that as it may I've still been chipping away at the debt.


Totals as of 23rd November

HSBC CC £5130
MBNA CC £3755.50 £55 paid off
Tesco Loan £6817.28
Santander Loan £4197.1
M&S Loan £5429.2
DH MBNA CC £3764.85

Total debt as of 31st October £29844.04
Total debt as of 1st November £29478.92
Total debt as of 2nd November £29472.92
Total debt as of 4th November £29470.92
Total debt as of 5th November £29469.92
Total debt as of 7th November £29467.42
Total debt as of 9th November £29462.92
Total debt as of 10th November £29461.92
Total debt as of 13th November £29525.26
Total debt as of 15th November £29153.93
Total debt as of 17th November £29148.93
Total debt as of 23rd November £29093.93



~~~~~~~~~~~~~~
Monthly Challenge


Earn £40 payable from survey sites didn't quite make the £50 target I'd set myself last month. So I've put it at £40

£37.33/£40

VO is now up to £9.35
PA currently has £11.81 payable and £0 pending.
Onepoll currently has £27.70 in there. getting through a few of these. Inching closer to the £40 cashout threshold
Yougov currently has 3100 points in there.
E.Rewards currently has 5000 points in there.
Qmee has £0.16 in there .(November cashout so far £14.50)



Pay off £850 from debt £819.95/ £850
I've kept this at 850 as I'm not sure whether DHS first CC payment will be this month or December

To lose 5lbs in November
I wanted to set a sensible target

1/5lbs

Managed 1/2 lb this week


To list 20 new things on 3bay
Just to keep my momentum going

3/20
need to get on with this

MB

Mummy_bear

Still not feeling 100 %

At the end of last week I did a broadband switch. I'm coming to the end if my 5ky contract and it was about to go up by £1 a month. I shopped around and found a great deal for a faster (on paper) fibre broadband £9 cheaper a month than 5ky AND £89 cashback via TCB.

Called 5ky to see if they could either beat or offer me extras to convince me to stay. Well the guy on the other end was honest enough to say I won't get a better deal with them. So it's bye bye 5ky. Switch will happen mid December, hopefully smoothly.

Think my plan to pay the MBNA off in a year has been scuppered. Got my HSBC statement through and minimum payment is 2.5% of balance total rather than the 1% I'd assumed. Oh well. It's still all money off the debt



Totals as of 30th November

HSBC CC £5130
MBNA CC £3752.50 £3 paid off
Tesco Loan £6817.28
Santander Loan £4197.1
M&S Loan £5429.2
DH MBNA CC £3614.85 £150 paid off

Total debt as of 31st October £29844.04
Total debt as of 1st November £29478.92
Total debt as of 2nd November £29472.92
Total debt as of 4th November £29470.92
Total debt as of 5th November £29469.92
Total debt as of 7th November £29467.42
Total debt as of 9th November £29462.92
Total debt as of 10th November £29461.92
Total debt as of 13th November £29525.26
Total debt as of 15th November £29153.93
Total debt as of 17th November £29148.93
Total debt as of 23rd November £29093.93
Total debt as of 30th November £28940.93 sub 29k..again:rotfl::j



~~~~~~~~~~~~~~
Monthly Challenge


Earn £40 payable from survey sites didn't quite make the £50 target I'd set myself last month. So I've put it at £40

£38.33/£40

VO is now up to £9.35
PA currently has £15.66 payable and £0 pending.
Onepoll currently has £28.20 in there. getting through a few of these. Inching closer to the £40 cashout threshold
Yougov currently has 3100 points in there.
E.Rewards currently has 5000 points in there.
Qmee has £0.16 in there .(November cashout so far £15.50)



Pay off £850 from debt £972.95/ £850 :T
I've kept this at 850 as I'm not sure whether DHS first CC payment will be this month or December

To lose 5lbs in November
I wanted to set a sensible target

1/5lbs

Forgot to step on scales this morning


To list 20 new things on 3bay
Just to keep my momentum going

5/20
lost motivation with this ooops

MB

Mummy_bear

Signature update

£17503.3/£46444.23 !37.69% paid

enthusiasticsaver

Good progress. As you say it is all money off the debt. I think a lot of credit cards are upping minimums to 2.5% and on the whole I think this is a good thing as keeping people in debt permanently is not to their benefit.

Mummy_bear

A bit late on setting my new month targets! December is truly my busiest month.

Had a further development on my broadband. 5ky called me from their retention team. I told the caller that I'd already called up to see if they could beat the deal. Well he said he'd take another look for me. Decided to at least see what they could do.

Well turns out they could offer me a good deal. Unlimited broadband for 12 months plus line rental ...total £16.20 a month. They were going to charge 35.99 a month which was why I had decided to leave. It was frustrating that I had to go and cancel with the new company but all in all I'm very happy with my almost £20 saving a month!


Totals as of 5th December

HSBC CC £5000 £130 paid off
MBNA CC £3552.50 £200 paid off
Tesco Loan £6817.28
Santander Loan £4197.1
M&S Loan £5429.2 £155.12 paid off
DH MBNA CC £3614.85

Total debt as of 30th November £28940.93
Total debt as of 5th December £28455.81



~~~~~~~~~~~~~~
Monthly Challenge


Earn £40 payable from survey sites

£0/£40

VO is now up to £9.35
PA currently has £16.66 payable and £1.70 pending.
Onepoll currently has £28.20 in there. getting through a few of these. Inching closer to the £40 cashout threshold
Yougov currently has 3100 points in there.
E.Rewards currently has 5000 points in there.
Qmee has £0.16 in there .(December cashout so far £0)



Pay off £1000 from debt £485.12/ £1000
this target has increased due to DH'S new credit card payments

To lose 3lbs in December
Ireally didn't do well last month

To list 20 new things on 3bay
Just to keep my momentum going

0/20
lost motivation with this ooops

MB

Mummy_bear

Well, had a lovely break away from my diary. Christmas was wonderful. Did not go over budget :T Everyone was happy

My car had its MOT though, which failed, so cost around 400
Then whilst parked up outside DHs work someone hit the the nearside back wheel arch and drove off...so can't claim against someone for that...the :mad::mad::mad::mad:

Then after Christmas my DS caught a sickness bug, then DH got it and now the tornado toddler is down DS and DH are fine now, thankfully their illness was brief. I really hope I don't get it.

In other news I've decided that as my mat pay will soon go to 0 I'm going to pay minimum on my debt until I get full pay again. That'll free up 150 a month. It takes some pressure off me to do KIT days as I'm stressing out about it.

Totals as of 31st December

HSBC CC £5000
MBNA CC £3552.50
Tesco Loan £6604.24 £213.04 paid off
Santander Loan £4041.65 £155.45
M&S Loan £5429.2
DH MBNA CC £3464.85 £150 paid off

Total debt as of 30th November £28940.93
Total debt as of 5th December £28455.81
Total debt as of 31st December £27937.32 sub 28k :T



~~~~~~~~~~~~~~
Monthly Challenge


Earn £40 payable from survey sites

£0/£40

VO is now up to £9.35
PA currently has £23.15 payable and £0 pending.
Onepoll currently has £28.20 in there. getting through a few of these. Inching closer to the £40 cashout threshold
Yougov currently has 3100 points in there.
E.Rewards currently has 5000 points in there.
Qmee has £0.16 in there .(December cashout so far £0)

Took a break from this



Pay off £1000 from debt £1003.61/ £1000 :T
this target has increased due to DH'S new credit card payments

To lose 3lbs in December
Ireally didn't do well last month

To list 20 new things on 3bay
Just to keep my momentum going

0/20
lost motivation with this ooops

MB

Hope to get back on to other targets in new year

Mummy_bear

Current signature

£18506.91/£46444.23! 39.85% n paid

ohdearhowdidthathappen

I've just read through your diary and have subscribed.... You've done fantastically well, very inspirational.

My starting debt is similar to yours and we have a similar number of children, although hats off to you - all of my 5 are singletons and that's been hard enough, hopefully I'll be as efficient as you have been with the debt busting. I like how you update your debt monthly and put a percentage on it, I bet it's motivating!