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

k30lly · 30 April 2012 at 8:13PM

mf0u1098 wrote: »

My little 2nd gen nano freezes sometimes, it says it's playing but no sound comes out. I find that just letting the battery die normally works as when I put it back into the docking station afterwards it starts working fine again! It's been doing it for nearly 2 years now and is a slight inconvenience every now and again but not worth me buying a new ipod yet. Hope this helps!

There is a way you can force them to turn off, i think holding menu & play at the same time for 20 seconds or something. Mine freezes once im a while

BrandNewStart · 30 April 2012 at 8:19PM

Err can I join this thread too? :j This is my goal as well! I have just started trying to dig myself out. I posted here before: http://forums.moneysavingexpert.com/showthread.php?t=3931897

This thread is an awesome idea!! :T

rosiest · 30 April 2012 at 8:33PM

Feeling great today, closed another credit card down have went from 5 to 2 !

Also found out i got a payrise giving me an extra £120 a month so that will be going straight to credit cards. I have decided it is not outwith the realms of possibility if i really push and stay on track to get rid of the full £12911 by end of Nov mid dec but got to stay totally [STRIKE]obsessed[/STRIKE] focused !!!!

I will move house next year no matter what so this is getting gone

Also update is small but anything counts £6080/£12911

minicooper272 · 30 April 2012 at 8:58PM

Well, I was hoping to reduce my overdraft today but missed the bank! So first debt update is not as high as I'd like but in the right direction:

£106/3486 3.05%

Also, I started paying into my company pension scheme 4 months ago, and I've been noticing it's coming off after tax - I'm such a newbie to the whole pension thing, but I was sure it was meant to come off before tax? Can anyone explain it to me? I don't want to make a big thing about it with my employer and then just look like a silly moo!

[Deleted User] · 30 April 2012 at 9:00PM

:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D

I am sooooooooooooooooo happy I have managed to pay off my MBNA CC a whole month earlier than I thought I would!

This means that a personal debt I have been paying for the last 5 years will be cleared next month! I feel as if I have been paying this FOREVER & I'm just really looking forward to getting rid of another one! This will be a month earlier than expected aswell which mean that extra money each month can go straight towards other debts.

So an update of what has been paid as follows:-

MBNA £209.79 - Final Payment :beer:
Santander £100.00
Very £205.00
Personal £160.00
SAAS £30.00
Hitachi £132.03

This means my total debt remaining is £4829.69!

138 :j Deleted_User £3,701,78 / £8,531.47 34.98%

138 Deleted_User 3 / 36lbs

Not doing so well on the old diet front but hey ho! It will go eventually haha!

Dxxx

psychopathbabble · 30 April 2012 at 9:22PM

minicooper272 wrote: »

Also, I started paying into my company pension scheme 4 months ago, and I've been noticing it's coming off after tax - I'm such a newbie to the whole pension thing, but I was sure it was meant to come off before tax? Can anyone explain it to me? I don't want to make a big thing about it with my employer and then just look like a silly moo!

I think it is before tax because I remember when I joined my current company (this was 5 years ago though) they said they match up to 5% of my salary plus 50% of the tax and NI they don't have to pay on the contribution. Although I don't know if that is off my contribution or their matching contribution.

Just email payroll and ask nicely, say you weren't sure but you thought it was before tax? I'm sure they won't mind.

jakes-mum · 30 April 2012 at 9:22PM

Katiec950 wrote: »

Jakesmum - you really made my day with this post! Still can't stop laughing!!! :rotfl:

Welcome to all the newbies!! :T

Katie
x

starnac wrote: »

:rotfl::rotfl: Jakes-mum you made me laugh with this post. Please tell me you have never made your own bra from a coat hanger and a ruined bed sheet??? :eek: :rotfl: I have a pattern i could send you if you ever get that desperate again :rotfl::rotfl:

See now I know you both are actually secretly dying to make your own bra's now! just a word to the wise . . . remove the hook bit at the top before you bend the wire into shape or you could have some funny looks in the office the next day :rotfl:

*starts to try and think how you could bend a wire coat hanger into an underwire shape* you realise if we all made casts of our chests, our bras would fit much better than shop bought ones

Oooooooooooh Kerriiiiiiiiiiiiiiiii, we have a project for you :rotfl:

jakes-mum · 30 April 2012 at 9:30PM

BrandNewStart wrote: »

Err can I join this thread too? :j This is my goal as well! I have just started trying to dig myself out. I posted here before: http://forums.moneysavingexpert.com/showthread.php?t=3931897

This thread is an awesome idea!! :T

Welcome Brandnew to the most fun you can have with your clothes on . . yes its the debt free by christmas thread :T Be prepared for homemade knickers, DH's and misunderstandings about being 'on the game' and the current topic 'how to make a bra out of a coat hanger' . . do you happen to know how to do this? :rotfl:

Mfou will float in like a little fairy, wave her magic wand and your very own number will miraculously appear on the first page, if you opost up your debt total, she'll add that too (shes very good).

Now tell us all your interesting news, like you have a secret cross dressing cat thats taken a liking to your livingroom faux lion skin rug, we love to know everthing

rosiest wrote: »

Feeling great today, closed another credit card down have went from 5 to 2 !

Also found out i got a payrise giving me an extra £120 a month

:T:T Well Done 2 more to go! and they will be gone all the sooner with your fab payrise :j:j

Deleted_User wrote: »

:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D

I am sooooooooooooooooo happy I have managed to pay off my MBNA CC a whole month earlier than I thought I would!

An Yayyy for your too :T:T Take that you corporate numptys and your easy to acquire credit! The DF'ers are on to you :T:T

minicooper272 · 30 April 2012 at 9:33PM

Bonglecat wrote: »

Hi there. I know exactly what you mean. Previous to my LBM I was spending £80 to £100 per week at Tescos and there are only 2 of us (plus 4 cats). Since then I've started a little circuit going to Lidl, Aldi and then Asda (for branded stuff). I did some calculations to compare which came up with Tesco £61 and the same/equivalent from Aldi £39.

This is exactly like me! Minus the cats and the other person

I used to get by on a tenner when I lived near a Lidl, now it's more like £30 plus a top up visit for salads (gotta be kind to the waistline!). I rediscovered Aldi a few weeks ago :j best possible thing for my purse!

Katiec950 · 30 April 2012 at 9:54PM

jakes-mum wrote: »

See now I know you both are actually secretly dying to make your own bra's now! just a word to the wise . . . remove the hook bit at the top before you bend the wire into shape or you could have some funny looks in the office the next day :rotfl:

*starts to try and think how you could bend a wire coat hanger into an underwire shape* you realise if we all made casts of our chests, our bras would fit much better than shop bought ones

Oooooooooooh Kerriiiiiiiiiiiiiiiii, we have a project for you :rotfl:

LOL knowing my luck I would end up with the wire wrapped around my head instead!! :rotfl:

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

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