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Day of days- clearing my debt!!!
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well been doing research all night and decided to leave my cards alone for now and have another look at them in 6 months, see how much of a dent I've made in them be then.DEBT AT LBM £32595.60!!!DEBT 26/3/08:£28532.25
loan £21135.25:mad: cc 14.9% £2700cc 17.9% £1400 Virgin 0% cc £3200
Sealed Jar till Dec 08 £0????? Number 81
Started comping 16/3/08 watch this space
£5 a day April £0/ £1500 -
Are we related...?!?!?!?Official DFW nerd no 551 - proud to be dealing with my debts
Debts as of March 2014
Nationwide - £5745, Overdraft - £350,
Debts as of January 2015
Nationwide - £4997, Overdraft - £0:j0 -
I don't think so,DEBT AT LBM £32595.60!!!DEBT 26/3/08:£28532.25
loan £21135.25:mad: cc 14.9% £2700cc 17.9% £1400 Virgin 0% cc £3200
Sealed Jar till Dec 08 £0????? Number 81
Started comping 16/3/08 watch this space
£5 a day April £0/ £1500 -
headinthesand wrote: »I think I've been over paid, by about £500, so like a good boy I've transfered it straight to my isa, so if they take it back next month i won't be short!! or if they don't i can take a lump of one of my cards!!!
It's probably better to check with your work and get it sorted out, rather than wait....much enquiry having been made concerning a gentleman, who had quitted a company where Johnson was, and no information being obtained; at last Johnson observed, that 'he did not care to speak ill of any man behind his back, but he believed the gentleman was an attorney'.0 -
No need to worry about being overpaid, they just take it out of next months, no hassles, and if they don't then they don't.
I think they have just paid me too much in expenses, its no drama as i've tucked it away for safe keeping.DEBT AT LBM £32595.60!!!DEBT 26/3/08:£28532.25
loan £21135.25:mad: cc 14.9% £2700cc 17.9% £1400 Virgin 0% cc £3200
Sealed Jar till Dec 08 £0????? Number 81
Started comping 16/3/08 watch this space
£5 a day April £0/ £1500 -
My OU degree course arrived today, looks a bit overwhelming at the moment but I'm sure I will get my head round it over the next few years.
Feeling very positive at the moment, back to work on monday same job different location, starting career changing degree, gf going for baby scan today, and I can see an end to cc debt.
If i'm honest its really the cc debt that bothers me as its just overspending!!! the loan although high it fits into my new stricter budget. So if I didn't have cc repayments I could live quite comfortably.
Really the more I think about it the more I realise that my overspending after my split with wife was my way of making myself feel better, trying to treat kids and gf etc. But now I fully realise this and it will never happen again.
Once the cards are gone I can save quickly to smash that huge loan.DEBT AT LBM £32595.60!!!DEBT 26/3/08:£28532.25
loan £21135.25:mad: cc 14.9% £2700cc 17.9% £1400 Virgin 0% cc £3200
Sealed Jar till Dec 08 £0????? Number 81
Started comping 16/3/08 watch this space
£5 a day April £0/ £1500 -
headinthesand wrote: »No need to worry about being overpaid, they just take it out of next months, no hassles, and if they don't then they don't.
I think they have just paid me too much in expenses, its no drama as i've tucked it away for safe keeping.
Fair enough - it sounds as if your pay varies anyway, is that right?...much enquiry having been made concerning a gentleman, who had quitted a company where Johnson was, and no information being obtained; at last Johnson observed, that 'he did not care to speak ill of any man behind his back, but he believed the gentleman was an attorney'.0 -
no pay is same each month, just some months recieve expenses which the pay "system" always gets wrong, so they just take it back in one lump, which is why I'm expecting Jan pay to be £500 lighter.DEBT AT LBM £32595.60!!!DEBT 26/3/08:£28532.25
loan £21135.25:mad: cc 14.9% £2700cc 17.9% £1400 Virgin 0% cc £3200
Sealed Jar till Dec 08 £0????? Number 81
Started comping 16/3/08 watch this space
£5 a day April £0/ £1500 -
I've decided that next saturday will be changed to "EBAY day" a my gf is at work and I don't have the kids so I'm going to have a good rummage all week and list the lot
I've got lots of stuff that "I might need one day" so I've decided to put everything on, going to try and find this turbolister thingy, hate doing the photos!!!
Also going for a bit of an Amazon sale as well, but I've heard this can be quite slow, but worth it, got some books and dvds so see how we go.DEBT AT LBM £32595.60!!!DEBT 26/3/08:£28532.25
loan £21135.25:mad: cc 14.9% £2700cc 17.9% £1400 Virgin 0% cc £3200
Sealed Jar till Dec 08 £0????? Number 81
Started comping 16/3/08 watch this space
£5 a day April £0/ £1500 -
Went onto online bingo due to a link from here
won £16.84!!! for nothing!!!!!
Winner!!!!!!!!!!!DEBT AT LBM £32595.60!!!DEBT 26/3/08:£28532.25
loan £21135.25:mad: cc 14.9% £2700cc 17.9% £1400 Virgin 0% cc £3200
Sealed Jar till Dec 08 £0????? Number 81
Started comping 16/3/08 watch this space
£5 a day April £0/ £1500
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