Onwards and downwards...

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  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
    How long do you need to wait to see how much money you will get with the ppi claim xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Todays pads:

    £1.31 to Mortgage
    £5.00 to debt savings
    £1.15 to joint od

    11 parcels posted.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    abba1772 wrote: »
    How long do you need to wait to see how much money you will get with the ppi claim xx

    They said 28 days, so I guess early December. I don't think it's going to be much - according to them I only had it 2 years. The balance on the account wouldn't have been much so I'm guessing it's only at best a couple of quid a month. I'll look forward to my £50 refund :D But, it's still better than nothing, so I'm not complaining!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    I've decided I need a new challenge! I'm letting things coast a bit.

    I'm going to let my debts tick over on token payments and hope that I get some F&F offers. Thanks to my refund I now have a decent emergency fund.

    So now, I'm going to have some debt savings! I've got my other savings account which I wanted to get £19,320 into. This is my new target and I'm going to pad towards it. Once I've got there, I'll hopefully clear my debt with it. So I'm going to treat it as a debt and try and 'clear' it as soon as I can.

    I need some of abba's motivation!

    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,775 - £545 paid :T
    "If you can dream it, you can do it". Walt Disney
  • retiredandskint
    retiredandskint Posts: 845 Forumite
    First Anniversary First Post Debt-free and Proud!
    jwil wrote: »
    I've decided I need a new challenge! I'm letting things coast a bit.

    I'm going to let my debts tick over on token payments and hope that I get some F&F offers. Thanks to my refund I now have a decent emergency fund.

    So now, I'm going to have some debt savings! I've got my other savings account which I wanted to get £19,320 into. This is my new target and I'm going to pad towards it. Once I've got there, I'll hopefully clear my debt with it. So I'm going to treat it as a debt and try and 'clear' it as soon as I can.

    I need some of abba's motivation!

    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,775 - £545 paid :T

    Love your thinking:T
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
    I love the payment a day method, I feel guilty when I can't make a payment, I normally just do it Monday to Friday but I'm finding myself making payments at the weekends as well........it all counts xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    retiredandskint wrote: »
    Love your thinking:T

    Thank you retired. How are you?
    abba1772 wrote: »
    I love the payment a day method, I feel guilty when I can't make a payment, I normally just do it Monday to Friday but I'm finding myself making payments at the weekends as well........it all counts xx

    I love it too, I've been padding, but not with much focus, so now I can really concentrate on it. I see how well you do and it inspires me :)
    "If you can dream it, you can do it". Walt Disney
  • retiredandskint
    retiredandskint Posts: 845 Forumite
    First Anniversary First Post Debt-free and Proud!
    Have sent you a pm.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    That's great news about the PPI even if it only £50 :beer: and I love it when your credit report shows a debt has been wiped :j.

    Your new strategy of saving up for F & F offers sounds good. DH and I knocked 50% off our debts that way :D.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    HairyHandofDartmoor wrote: »
    That's great news about the PPI even if it only £50 :beer: and I love it when your credit report shows a debt has been wiped :j.

    Your new strategy of saving up for F & F offers sounds good. DH and I knocked 50% off our debts that way :D.

    Thank you. It would be amazing if I could get 50% knocked off :j

    I read something yesterday that a creditor can apply any redress to the account even if it has been partially settled, so I'm not going to count my chickens until I receive a cheque or something and it will just be a nice bonus if I do get something!
    "If you can dream it, you can do it". Walt Disney
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