Can we have a NERD online gathering to see how we're getting on?

findingmyownway

DFW number - can't remember!

CCs at highest = £5000
CCs now - £180 (will be cleared next week on payday)

Next step to debt-free-ness - save up £2000 to offset £2000 0% overdraft.


Done: reduced DDs, stopped buying clothes and crap, joined AQA for extra cash + quidco etc.

To do: spend more time on AQA, move house on a strict budget.

elantan

sorry triker have seen this post but not rplied


proud nerd number 129 reporting in
have now got out of debt althought the overdraft is creeping back up


currently working on geting rid of my mortgage £70,000 to go so a long way yet but i will get there

phoenixchick

I'm a newbie, but since finding the site I have started sorting out my finances:

DFW Status:
£67055.36 down from £68986.61 (It will be under £67000 by the end of the month)

Nerd Number: 906

Debt Busting:
*Started working to a budget - early days but is improving
*Doing a monthly shop with a list!
*Set up DDs for bills and minimum CC payment so no more bank charges
*Using quidco - waiting for £46.59, and pigsback - £7.30
*Challenging debt from DAF - especially repossession charges and checking insurance
*Gained refund of additional house insurance
*Downgraded my mobile package - I wasn't using all the minutes anyway - saving £5 per month = £60 per year

Still to do:
*Fully convert OH! - he is starting to come round
*Reclaim bank charges
*Check if oldest debts are statute barred
*Stick to budget
*Move to cheaper property and check that all bills are the cheapest available
*Start an emergency fund
*Pay off £20K this year - £1931.25/£20000