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  • FIRST POST
    • Amara
    • By Amara 18th Sep 17, 9:03 PM
    • 1,969Posts
    • 7,292Thanks
    Amara
    1 debt vs 100 days chapter 27
    • #1
    • 18th Sep 17, 9:03 PM
    1 debt vs 100 days chapter 27 18th Sep 17 at 9:03 PM
    Hello everyone!

    Let's do it again, our 1 Debt vs 100 days challenge chapter 27.
    There's one , simple rule: choose one debt and do whatever you can, to pay it off within 100 days.
    This challenge starts on 20 September 2017 and finishes on 29 December 2017.

    If you want to take a part, write your name and amount you're aiming to pay off below.

    1. Frogmellaandgill 335/1600
    2. Swimminginaseaofdebt £224.72/723.03
    3. Arc2014 £1400.53/2500
    4. LoLo £550/1500
    5. Bagpussgruff £2600
    6. Calling14 £1366.71/2000
    7. Jenner £94/3218
    8. Sazzle13 £300/2500
    9. Shelbi £3452.25/4603.46
    10. Amara £540/500 Well done!!!
    11. Bestlivenow £4516
    12. Munchin £1460
    13. SamSam17 £2550/2100 Well done!!!
    14 Catlady1990 £1000
    15. Obay £923/923 Well done!!! £400/3021.36
    16. Maple25 £5,70/1589,01
    Last edited by Amara; 22-12-2017 at 8:56 PM.
    Tackle your debt, take a part in 1 debt vs 100 days challenge.
    1 debt vs 100 days challenge part 29
    £310/500
    Gaining assets
Page 4
    • obay
    • By obay 1st Nov 17, 7:37 AM
    • 459 Posts
    • 383 Thanks
    obay
    I've just applied another £60 payment to my sofa finance bringing it to £800. Meaning I've reduced the figure by £100 in two days. Will go in further this month and hopefully pay it off completely - My normal payment of £25 comes out on the 4th. Will be nice to get rid of it and save it!
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • arc2014
    • By arc2014 1st Nov 17, 2:48 PM
    • 193 Posts
    • 839 Thanks
    arc2014
    Another £15 today takes me to £1177.16
    Logbook Loan 970.42/1000 ∑ DC1 90/1420.32 ∑ DC2 10/321.13 ∑ DC3 11.75/11.75 ∑ DC4 60/635 ∑ Personal Loan 1706.96/5000 ∑ Overdraft 0/1200 ∑ Total 2675.76/9388.20
    SPC #200
    PAYDBX18 #014 - £761.74/10,000
    Lightbulb Moment September 2017 - DFD Christmas 2018!
    • Maple25
    • By Maple25 1st Nov 17, 4:24 PM
    • 4 Posts
    • 17 Thanks
    Maple25
    Grrr, completely got my amount wrong It actually stands at £1,589.01.

    On the plus side, I've made my first payment of £5.70 towards it, so I'm at £5.70/£1,589.01
    Earn £10 a day November - £5.70/£300

    1 Debt vs 100 days (ending 29th December) - £5.70/£1,589.01
    • obay
    • By obay 2nd Nov 17, 8:14 AM
    • 459 Posts
    • 383 Thanks
    obay
    Applied another £50 to my sofa' finance bringing me to a grand total of £750 now instead of £923.

    I also sent £7.12 to my mortgage as well so I can round it off to £145,990.

    My normal interest-free payment of £25 will come out tomorrow from my account. So will bring me to £725 - I am waiting for some payments to come through from work to see if I can send an additional £25 to round it down to £700.
    Last edited by obay; 02-11-2017 at 8:21 AM.
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • obay
    • By obay 2nd Nov 17, 4:12 PM
    • 459 Posts
    • 383 Thanks
    obay
    I was supposed to pay £25 as an additional, but paid £50 instead (2 transactions by mistake!

    Anyways, £675 now.
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • obay
    • By obay 2nd Nov 17, 7:38 PM
    • 459 Posts
    • 383 Thanks
    obay
    Another £74.99 to my sofa finance bringing it down to £600... £322.99 paid so far... 28% paid to date (in 4 days...) that's 1 year and 1 month shaved off my total (4-year deal..)
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • Amara
    • By Amara 2nd Nov 17, 9:41 PM
    • 1,969 Posts
    • 7,292 Thanks
    Amara
    Hi everyone!
    Yoou're all doing so great!
    With half-term out of the way I can save money again, though one five years old boy will try to persuade me to spend on Bonfire Night . In the meantime, £120 from me.
    Tackle your debt, take a part in 1 debt vs 100 days challenge.
    1 debt vs 100 days challenge part 29
    £310/500
    Gaining assets
    • obay
    • By obay 3rd Nov 17, 11:09 AM
    • 459 Posts
    • 383 Thanks
    obay
    I've put another £50 towards my sofa finance.

    I'm at £549.99 now, my payment is not due today, but tomorrow which is another £25. Should be at £525 tomorrow - Will see if I can get some more cash today.

    Getting close to putting the full amount on the account (I will more than likely send the final bit once I have cleared a few £££ more.)

    Should be around the £400 mark where I decide it'll be worth clearing it completely.

    Then I can start destroying my Barclays Boiler agreement (18.9%!) But as the sofa's was the lowest amount I decided to kill this one 1st.

    I've paid £373.01 towards my sofa's within the last week, my starting amount was £923.

    Once I paid this off I have saved £75/mo since September. Which is impressive. The boiler would then be £47 saved meaning I'd save £122/month(if I ever get it paid off..) - After that would be our car which costs us £193/month.

    On top of that we're getting rid of Sky, £31/month for basic TV sort of sucks - Which ends in February
    Last edited by obay; 03-11-2017 at 11:22 AM.
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • Calling14
    • By Calling14 3rd Nov 17, 12:02 PM
    • 2,718 Posts
    • 19,803 Thanks
    Calling14
    Obay - wow putting me to shame.

    Gone off the boil lately with debt busting. This month learn't my lesson trying to clear my c. one card which I usually pay off each month. Emptied all my bank accounts today and paid £235 they are not getting any interest out of me. Also paid £50 to my virgin cc and £20.25 to Sainsbobs. Total paid £305.25 and result £2 in my bank until next week so that's me grounded.

    £907.25/£2000

    Thanks Amara for the birthday wishes. Sorry been hectic so haven't been on here as much as normal.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £2700
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2852/£5552 DFD 12/18
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge
    £1327/£2550

    • obay
    • By obay 3rd Nov 17, 1:59 PM
    • 459 Posts
    • 383 Thanks
    obay
    Obay - wow putting me to shame.

    Gone off the boil lately with debt busting. This month learn't my lesson trying to clear my c. one card which I usually pay off each month. Emptied all my bank accounts today and paid £235 they are not getting any interest out of me. Also paid £50 to my virgin cc and £20.25 to Sainsbobs. Total paid £305.25 and result £2 in my bank until next week so that's me grounded.

    £907.25/£2000

    Thanks Amara for the birthday wishes. Sorry been hectic so haven't been on here as much as normal.
    Originally posted by Calling14
    Not putting anyone to shame! I don't want anyone to think like that! Let's all get debt free! It's the beginning of the month so a lot of surpluses left over from my company so just shoving what I can before I need to start saving to pay my mortgage!!
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • Calling14
    • By Calling14 3rd Nov 17, 2:50 PM
    • 2,718 Posts
    • 19,803 Thanks
    Calling14
    Not putting anyone to shame! I don't want anyone to think like that! Let's all get debt free! It's the beginning of the month so a lot of surpluses left over from my company so just shoving what I can before I need to start saving to pay my mortgage!!
    Originally posted by obay
    Healthy nudge then

    All supportive on here. I need to get back on track as my car needs pennies spending on it next.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £2700
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2852/£5552 DFD 12/18
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge
    £1327/£2550

    • obay
    • By obay 3rd Nov 17, 2:53 PM
    • 459 Posts
    • 383 Thanks
    obay
    Healthy nudge then

    All supportive on here. I need to get back on track as my car needs pennies spending on it next.
    Originally posted by Calling14
    I feel for you. We had a car crash on our wedding anniversary. We had just paid the finance off unfortunately our GAP didnít let us as there was no finance on it lol

    I know how you feel and I hate cars!
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • obay
    • By obay 5th Nov 17, 8:31 PM
    • 459 Posts
    • 383 Thanks
    obay
    Just put another £50 on my sofa's bringing me up to £423.01 as an overpayment, I have £499.97 left, my DD for my sofa's don't process until Monday as the 4th was Saturday.

    That'll be £474.97 left after that's updated!

    I!!!8217;m hoping to pay a further £200 tomorrow as well... here!!!8217;s hoping!
    Last edited by obay; 05-11-2017 at 9:18 PM.
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • obay
    • By obay 6th Nov 17, 9:35 AM
    • 459 Posts
    • 383 Thanks
    obay
    Grr! I am really wanting to pull the gun to pay this agreement off but I don't want to be left with little to no cash...

    What do I do? It's not costing me anything as it's at 0%, but it was just the cheapest debt to pay off at the time.
    Last edited by obay; 06-11-2017 at 9:43 AM.
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • obay
    • By obay 6th Nov 17, 1:14 PM
    • 459 Posts
    • 383 Thanks
    obay
    £274.93 left to pay on this agreement, I just requested giro's from Barclays so I can begin this. Very happy so far. Should have a new order in on work this week so should be able to completely finish it!
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • SamSam17
    • By SamSam17 7th Nov 17, 12:23 AM
    • 67 Posts
    • 146 Thanks
    SamSam17
    1) Debt 1: £350
    2) Debt 2: £200
    3) Debt 3: £1000£100
    4) Debt 4: £550/£1000

    Paid off another £900 bringing my remaining debt for this competition £850.
    • obay
    • By obay 7th Nov 17, 8:28 AM
    • 459 Posts
    • 383 Thanks
    obay
    1) Debt 1: £350
    2) Debt 2: £200
    3) Debt 3: £1000£100
    4) Debt 4: £550/£1000

    Paid off another £900 bringing my remaining debt for this competition £850.
    Originally posted by SamSam17

    Well done you! You are doing so well!!

    I've not paid anything else towards my debt only brought it down to £250 yesterday. So close to it. Bank giros are on the way to go and pay my Boiler next.
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • obay
    • By obay 7th Nov 17, 12:29 PM
    • 459 Posts
    • 383 Thanks
    obay
    Aha, just had 10 letters from this agreement for the sofa's about the over payments :P
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • obay
    • By obay 7th Nov 17, 1:13 PM
    • 459 Posts
    • 383 Thanks
    obay
    OK! So the sofa's are legally mine now! No one is taking them! That last £250 was killing me so dipped into the emergency fund to clear it off!

    Quite happy with this one! That was the 0% paid off, one less agreement to pay off Banks 2, me 1!

    Saving of £25 a month back in my pocket, going to give it a rest for a week or so and will be back with the boiler agreement to get that paid off within the next few weeks!!

    Wondering how long it'll take to update my credit file!
    Last edited by obay; 07-11-2017 at 1:29 PM.
    1/12/16 - £152,599.00
    11/11/17 - £145,990.00
    Two Credit agreements to pay off - £13653! (inc interest).
    Sofa (DFS) (0%)£923/£923 - Paid off 7th November!
    Barclays Boiler (18.9%!)£1400/£3021.36
    Barclays Car (5.99%)£0/£8,832.37
    • Jenner
    • By Jenner 11th Nov 17, 8:51 AM
    • 11 Posts
    • 89 Thanks
    Jenner
    Still plodding away debt busting a £20 over payment made.Bringing me to £94/3218. Still waiting for the main payment to come out and i have a bit more to pay but its been a tight month with MOT etc so i'm waiting until payday before making anymore payments
    Windows 3144/3518.50
    CC1 3940.01/4100 - 0% Oct 2020
    CC2 1854.90/2100 - 0% Nov 2019
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