The long haul supporters thread...

jonnyboy80

Have been following this thread very closely over the last few months and like many I just didn't keep any tabs over budgets or cash spending to begin with when I left uni just over 5 years ago.. I just carried on living like a student when really I should have been saving or at least paying off the debts that I had run up, instead of spending more!! I consolidated (twice!!) once for nearly £9k and then for £15k over three years later-that was in late 2006 and I guess it was around this time that I had a 'mini' lightbulb moment in that I actually realised for the first time I had huge debts, which I needed to sort out or else I was going to be in deep s*&t...

It was only last year that I stumbled across the site that I saw the opportunity to not only talk about it but also to set myself the challenge to clear the lot asap!!! So with a positive mindset and you guys I am hoping to be debt free by summer 2010 when I will be 30...Fingers crossed!!

jonnyboy80

Great news!!!! Applied for a Citi Card a few weeks back and had nearly given up hope of getting a response but found out today that I've been accepted and they have given me a £3750 limit with 5.8% LOB with no balance transfer fee payable!!! Well pleased as my Cap One 0% deal finishes next month!!!

Keeping_Positive

Great news Jonnyboy80

In_Search_Of_Me

Fab news for, you well done! Hows everyone else doing?

Numpty_Monkey

Well done there Jonnyboy80

Still waiting for confirmation about interest beieng frozen on mine, that will save me £55 per month in interest payments

prophecy_grrl

well done jonnyboy :T


ISOM - front loaded loans are the worst, i can definitely sympathise - they're holding our dfd's back :mad: :mad: :mad: :mad: BUT we will get there eventually


I have been so lazy this week, have been off work ill - don't think i've been out the door since sunday!

On the plus side, I haven't spent any money, and have been researching money making schemes like bingo and mb, ready for joining the 'make £10 a day in March' challenge.

Everyone else ok?

prophecy_grrl

Hi Numpty

fingers crossed that the confirmation will come soon, £55 a month is pretty hefty saving - my maths is rubbish, but isn't that like £600 a year? Awesome saving to chuck at another debt maybe?

Numpty_Monkey

Thanks PG

They only offered it for 3 months, but first thing they've offered after 6 months of me asking and telling them i couldn't afford minimum payments, told a lie they offered to accept payment of £90, but still hit me with late charges and then refunded them when i called, and me being a numpty the only chargable call on phone bill was to them , should've called from work

poorbabe

prophecy_grrl wrote: »

yep dfd will be the best.

no moet for me tho - lambrini girl thru an thru :rotfl:

I'm a Sainsbury's Lambrusco light myself, about once a month :rolleyes: . The rest of the time it's slowly working through a very old bottle of Sarsparilla or water. I know how to have a good time :rotfl: :rotfl:


February started out being a tougher month than January in terms of spending/not spending, but was eased by a few sales on Amazon. Am waiting for the rent and CT increases to come through for March, so I can have my 10 minute panic attack then settle down :cool: I reckon it will be April before I settle into my moneysaving lifestyle properly and for the longterm.

My ray of sunshine is still my sealed jar. Slowly but consistently filling up.

In_Search_Of_Me

Its alway up & down me thinks poorbabe - life just gets in the way! Spending diary has bee a disaster agin - will try & catch up but "forget" to fill it in! Sold some jam (£12) which will go in the piggy which like you PB is getting heavy! Going to be gutted if it isnt loaded by 1st Dec!