£1 loan payments, orangutans and learning it doesn't all happen overnight...

I have been having a think about this last bit of debt. I think I'm in danger of treading water at this point - I've paid barely anything this month and I think it's because the debt is a lot smaller now, it's not incurring any interest and I've had enough in a lot of ways. I'm also paying more in terms of bills as of this month and will be paying for a car as from November. Problem with that kind of thinking is that I will end up carrying my debt past December and I really want 2013 to be a fresh start.

So I need a bit of a challenge. As I'm in Africa from 12th Nov to 13th Dec I will be missing 2 weeks of each month on the £10 a day challenge.

So I'm going to set myself a 3 month challenge instead - I will go for £20 a day and I will try for £1,840 as that is 3 months worth. That way I have the challenge of trying to reach the total although I know I won't be here for a month of it.

If I manage to raise that it's nearly all the way there for paying the debt off. It should also give me a kick up the backside - I'm good at making money working at the pub and cleaning, it's set hours, so I turn up without thinking about it. But I do need to give myself a final eBay, surveys, Textbroker, Etsy etc push!

Sorry that was a very rambling way of saying that I'm going to try to make some money!

DebtFree2012 wrote: »

Hi hun

I can imagine that last bit is difficult - almost can sit back and have a few months off without it harming your interest - not suggesting you do of course, just think of how you will feel once it is gone. No more of these conversations will be needed, your money will be yours, no writing articles about things that you don't want to, no more selling everything for a "dime" or worrying about have you met a target......bliss! Savings savings savings spent on something fabulous

xxx

Well said DF! That's the thing - it's easy at this stage to say I've had enough cause I've been doing it for so long but actually here's where it's really important. That final push to make all the bits that have gone before worthwhile.

And on that note, I have playing around with the spreadsheets....again

To meet my 3 month challenge:

Pub £450
Cleaning £135
Textbroker £80
eBay/Amazon £90
Craft £110
Extras £975

Extras will basically include anything I can think of! I already have surveys, the dog sitting and gardening I occasionally do etc

The pub and cleaning totals I will make if I just do my basic shifts (cleaning has dropped as one of my jobs hasn't needed me recently but may be going back soon). The other totals are just made up from what I think is do-able. If I meet the targets I can obviously adjust them as I'm sure some will pay out better than others.

Wish me luck for the 3 month challenge