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The "Pay ALL your debt off by Xmas 2012" challenge - PART 3!!!

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  • SpagBol
    SpagBol Posts: 1,371 Forumite
    DD to my CC today gives:

    #084 £9251 / £58000

    Things have really slowed because last month I gained an extra debt (essential purchase for DS's health) which means the paying of DH's CC is not going fast enough!! I want to get to £10000 before next payday (25th) so fingers crossed my tax rebate gets here soon. I also want to get to £11.5k (this or hereabouts will take me to 20% paid off) after the next round of paydays (6th July). Watch this space...
    DMP started Oct '17: £79,974 :eek::eek::eek::eek::eek:
  • NicoleWild
    NicoleWild Posts: 60 Forumite
    Humph my payment hasn't gone out, I'm owed £300 from social services and £130 from my parent and we have naff all money, got no bread no milk and grrrr!

    Rant over.
  • jakes-mum
    jakes-mum Posts: 4,638 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Ahh Kerfuffle your still over a quarter of the way there! Thats HUGE!! :j :j just think where that £3k would have gone instead if you hadnt been smashing your debts. BoMaD is always the best people to bank with ;) no interest and no demanding letters when your having a bad month. It will go in time :)

    Spagbol, sometimes we have no choice but to pop the debt busting on a slower track. I just spent £2k on a car for DH which most outsiders would say wasn't neccessary in th slightest, but with his arthristis he isnt safe on his bike and needs to work. Something that is needed for your family members health is MUCH more important than being debt free a few months earlier. I am all ready with my jumping blob :j to cheer your £10k paid off :D

    Hoping your money goes in tomorrow Nicholewild, as much as I hate to use this solution, is there anyone you could borrow £2 off for some bread and milk?
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) £1596.55/£1000 (13) £1534.70/£1000 (14) £775.60/£1000 (15) £700.20/£1000 (16) £2081.34/£1000 (17) £1691.15/£1000 (18) £25/£1000
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Gosh I feel terrible with my money at the moment. I've been putting my expenses on my credit card and have a whole pile of money in my bank account to pay off the credit card with, but it's made me think I'm more in debt than I actually am.....even though the real money offsets the pretend money....weirdest feeling ever. I cannot wait until I have enough money saved in my bank account to be able to have the equivalent of my credit card x2, then I can cancel the dratted thing.

    Swagging and superpointsing today.

    This weeks challenge is to review your current bills and see if you can reduce them somehow :) either by switching suppliers or bartering with your current ones.
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • fallenwiccan
    fallenwiccan Posts: 608 Forumite
    kerri_dfw wrote: »
    Gosh I feel terrible with my money at the moment. I've been putting my expenses on my credit card and have a whole pile of money in my bank account to pay off the credit card with, but it's made me think I'm more in debt than I actually am.....even though the real money offsets the pretend money....weirdest feeling ever. I cannot wait until I have enough money saved in my bank account to be able to have the equivalent of my credit card x2, then I can cancel the dratted thing.

    Swagging and superpointsing today.

    This weeks challenge is to review your current bills and see if you can reduce them somehow :) either by switching suppliers or bartering with your current ones.

    Ooh thanks for that, reminded me I need to ring Southern Electric today as I lost my postal letter in the house move to sort my online log in so I've not been able to do our meter readings. :eek:

    Feeling sorry for myself as I burnt my arm last night on the oven (only a little but still :o) It went under the cold tap and then I had a cold flannel on it for ages and I put aloe vera gel on it but I'm not sure if I've done the right thing. Ah well, I'm impatient we shall see, I'm sure it'll be fine.
    HSBC CC - £3000 / £3000
    Halifax CC - £1032.77 / £1032.77
    Mortgage currently at [STRIKE]£82,299.71[/STRIKE] £76,017.62 would love to overpay
  • SpagBol
    SpagBol Posts: 1,371 Forumite
    Thanks Jakes Mum I'll look forward to the jumping blob :j:j

    I like the drinking blob too :beer::beer::beer::beer:

    It is an essential purchase so I don't mind but it's sitting on my CC winking at me!! I know what you mean though, family comes first, hope the car is better for your H's wellbeing :)

    Kerri I do that anyway regularly and last week did my car insurance and water and gas/electric reviewed recently but will give it another go!
    DMP started Oct '17: £79,974 :eek::eek::eek::eek::eek:
  • jakes-mum
    jakes-mum Posts: 4,638 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Arghhhh! Why is it I am so savvy with money yet had no clue you cannot use your no claims on 2 cars??? Just spoke to DH's insurance company who were chasing proof an said 'oo can I email you a copy of the other insurance?' umm no would be the answer, you cant use that no claims on another car at the same time :(

    So the poor bloke is now running round trying to find another insurance and possibly make me the main driver of the second car (though I also have no no claims as ive been on DH's insurance for 10 years :eek:) and im assuming im going to get a cancellation fee off the insurer he's with :(

    On a more interesting and happier note, DD has just run in to me with a piece of paper thats shes written A N N A on and gone 'look mummy, that says Anna' not bad for 4 1/2 that hasnt started school yet :D Most kids start with C A T, but not my brainiac, we'll just go straight for names tyvm :rotfl:
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) £1596.55/£1000 (13) £1534.70/£1000 (14) £775.60/£1000 (15) £700.20/£1000 (16) £2081.34/£1000 (17) £1691.15/£1000 (18) £25/£1000
  • camuk81
    camuk81 Posts: 1,559 Forumite
    Ninth Anniversary Combo Breaker
    Morning all,

    Well put money in the bank. Went to a Jubilee party yesterday and drunk far too much.

    Woken up to the worse email ever telling me that my brother is more useless then I realised. We are waiting on a house sale going through and he's now holding up to paperwork at his end.

    So that was a 10 minute conversation with him this morning! Think I got through to him but we will see!

    So another quick update:

    No 149 New update: Total paid off £8.247.60 total paid off is 57.84%
  • Jo84_2
    Jo84_2 Posts: 101 Forumite
    I wasn't going to post until tomorrow but I'm so exctied I couldn't wait!

    Last Friday I decided to have a go at this ebay thingy that everyone's been advising me to use! Well.... last night I sold a set of old golf clubs that have been sitting around at my mums for years.. and got £60!!

    I can see myself getting very addicted to this! I'm already on the hunt at home to see what I can sell next!

    Also... my sister is at the hospital, I am waiting for the news that her little bundle of joy has been delivered successfully!!

    JoJo
    Sealed Pot Challenge 5 #1806 / £159.18
    Pay All Your Debts Off By Xmas 2012 Challenge #346 / £1487... £382 so far
    Weekly Grocery Shopping Budget £50... this week's spend £39.80
  • camuk81
    camuk81 Posts: 1,559 Forumite
    Ninth Anniversary Combo Breaker
    Well done Jo, I got into that and you find yourself auditing your house!
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