The long haul supporters thread...

jwil

Happytogetdebtfree wrote: »

yes its 34% they wont drop it any further cheeky sods eh !! !

It stinks doesn't it, I have MBNA which is about the same, and the min payment doesn't always even cover the interest, I have to be really careful to overpay with this one!

millionaire_in_training wrote: »

Hi folks. I am member number 21 on here but have been neglectful. But I'm back and going to be popping in to say hi. Happyto get that's is a real scunner when that happens. It really annoys me the amount I pay every month against how little my balance goes down. Funny how it never bothered me whilst I was maxing my cards out mind you lol. All the more reason to get rid of those horrible cards. I just wish I had some money left at the end of the month to make overpayments but hey ho I never do.

Welcome back Millionaire, it is really frustrating to see how little the repayments make to the balances isn't it. We'll get there eventually though!

*zippy* wrote: »

Can I join you guys please, I have just over £18'000 to pay off which i'm hoping is going to take about 3 years I've had several attempts in the past, but think I got too strict and kept falling off the wagon, i'm going to be more realistic this time.

Hi Zippy, welcome to the thread, good luck with the debtbusting!

jwil

Happytogetdebtfree wrote: »

J will my minimum payments are helping me no overpayments at the moment im too busy diy ing shhhhhhhhhhhhhh

Well done, that's still pretty good and hopefully once you've finished DIYing you'll be able to throw more at it

I'm hoping that by the time we clear all the clutter we will have more money to get on with the house.

Happytogetdebtfree

Always something better for my money at the moment its naughty :O

jwil

I know that feeling

Happytogetdebtfree

we are terrible lol lol i just want to get my space organised :O:P

Soma

yes Virgin/MBNA have evil rates of interest that was my worst credit card by far
do you guys still go on holiday and such? I hardly ever do but have been offered a great opportunity and I'm wondering if saving for a holiday will get me more tightfisted.

Happytogetdebtfree

Although i have a large debt amount i still live well we have had pay rises since the journey started so we are able to have some luxury i cant do all or nothing it makes it a painful and negative journey id rather have fun xxx i dont increase my debt my cards are never used ... haventy used them for god 2 years or so xx

Soma

hmmm still deciding but thanks - was wondering if I would get judged for going on holiday but would be miserable if all I did was pay off debt. Hoping to ask for birthday money towards holiday fund aswell. I think not using credit cards is a good idea too Thinking of opening an ISA as a holiday fund. Depends on whether I get a lower stress lower paid job or not.

Happytogetdebtfree

If a holiday will keep you focused and your not missing bills to go I'd do it :-) if you can afford :-) I'm a bad influence on myself so i've no room to talk lol x

millionaire_in_training

Hi. I just did some work out of grade and booked a long weekend away in Benidorm with friends. I will look forward to that greatly. All bills will be paid in themeantime and holiday is all inclusive so no huge costs whilst I am there. My mum also paid for me and kids to go for a long weekend to Haven in Berwick in August so yes I do the holiday thing. I don't have hugely expensive unrealistic types of holidays but I try to ensure we have a break of some kind.

I am right back on track and have nemu planned and doe a shopping list so hopefully will get that for hardly any money this week. I also got a standby haircut today for £15 which I am really pleased with. It is a great cut