Slaying my debts, the second year

Buffythedebtslayer

I haven't posted here in a while!

ooops.

So next year what challenges am I doing?

1. 4000 a year (which works out as 333 pounds per month (not including my loan repayments and rent)

2. I am in the how much can you make from 10 thread....got to have an idea about that.

3. and I am still in the paper hat challenge (must update)

I think that is it.


I am still working as a tutor although the Credit crunch may put pay to that plus Avon but having major problems with that (tax crappy Area manager and general lack of customers)

I am doing the scratchcards which are cool, but they aren't going to make the extra money!

need to go tidy room and check off presents. can't be bothered to move.

xxx

mum2one

Keep fingers crossed re the tutoring, you neva know, it may still happen afta xmas.

Hows everything going, you seem positive with nxt yrs challenges, so fingers crossed. xx

Merry Xmas x

Wol2

Hugs Hun...


..and merry Chirstmas...

Here's hoping 2009 will be a much better year for so many of us....
.....Keep the faith Hun!!


Weeek weeek weeeeek...hugs, kisses and....ooh er...perhaps something else.......from himwhatdunit....naughty boy Beech

Take care Hun...and all fingers and paws are crossed here for you for next year...

Much love
Wol2
xxx

chevalier

Wol2 wrote: »

Hugs Hun...


..and merry Chirstmas...

Here's hoping 2009 will be a much better year for so many of us....
.....Keep the faith Hun!!


Weeek weeek weeeeek...hugs, kisses and....ooh er...perhaps something else.......from himwhatdunit....naughty boy Beech

Take care Hun...and all fingers and paws are crossed here for you for next year...

Much love
Wol2
xxx

All of the above from me too Buffy. I think even though the world at large may go to hell in a hand cart next year, we (mser's) have got our act together a year early and will come through better than others. So prepare to be smug.

On the money front. I am going to save up for Amazon vouchers for 2009. I am going to do this by chatting on bingoport.co.uk. God know how they make money but for each 10 word chat you do in the forums, you get 100 points 8000 pts is a £5 voucher for amazon.
If you are interested pm me with your email address and I get a few 100 points for referring you.

cheers love and I hope you had as good a day at your xmas from hell as you could
love and hugs and cheers for 2009
chev

Buffythedebtslayer

Challenges for 2009

1. first to 15,000 - paper hat Challenge

2. Sealed pot challenge - after the pub Friday I put what ever is left in my purse in my various pots ( 1/2p for house!, 5p in own jar, 10 20 50p in sealed pot, £1 in coke can

3. 2 pound coin challenge - every two pound i get goes in the Penguin!(from Woolies )

4. Pay off 20,000 in 09 - essentially me getting debt free!

5. 10 pound a day - doing Jan so far

6. How much can you make with 10 pound - until June we shall see!!

7. Virtual savings account - 25 quid set amount(for Christmas 09 - still did Christmas on the CC this year ) , plus remainder in A nd L account once a month after all other payments have done.

8. Payment a day - placing one pound a day in savings account to make extra payments on CC.

9. The 100 day challenge - no cosmetics or toiletries apart from essentials plus no Magazines for 100 days.

10. The 4,000 a year challenge - equates to me have 333 pounds a month, as "expenses" (plus making a 1000 pounds in a 100 days.)


I think ten is enough. I feel a bit faint !;)

I am sure I have forgotten one as well................

beanielou

Wow, that is some amazing amount ofd challanges.
Best of Scottish with them all.

mum2one

Oh my god with that list of challanges I've had to have a whisky.......just for medicinal purposes!!

Good 4 u. as i said before your determined and your make a damm gd job on them. x

urg123

Hey Buffy

The list of challenges looks good - with all that effort you will be on your way to being debt free.

Keep posting - its nice to see you working towards those goals. 2009 will be your year!

URG x x

Buffythedebtslayer

Thanks guys xxxx it is lovely to have people post here!

Yep it does seem slightly mad, but I have realised over the last year of my being here, that my debt really does stop me living, even tho I can "afford" to pay it off monthly and take four/five years to do it, it means I can't do anything in the mean time, no holidays, not much visiting of friends and the worry, the pressure on myself (that I wasn't really aware of till other people wrote about it) when ever I want/need to buy things and feeling of never getting anywhere, that all must stop. I am sick of it.

If I paid off my debt I would have around a 1000 pounds to spend each month on nothing (well it would end up being a house first) but I really had NO idea how well paid I was untill I looked at it like that. i know that seems stupid to some people but I looked at what I had after everything had gone - well duh, kinda been spending my good wages for some years in advance now!!

I had said ever since I started here, the very first budget/paying off plan that I would be debt free by dec 09. And I will be. every spare penny will go on the debt. it will go.

Buffy
xxxxx

Buffythedebtslayer

Old signature, from 2008! soon to be replaced with new signature for 2009

________________________________________________________________________
Loan- £15,496.19/17330.04(orginally 21,00)
cc bill= 2834/4120.56 paper hat 1522/15000, Bronze Challenge-1023 /1008 till 15/12/08!! 1000 pounds in 100 days=269/1000) debt free date dec 2009.
Member of the Holy Freaking Kack Pants we are on a diet club 0/20 With hard work anything is possible - Usain Bolt.

_______________________________________________________________________

Total debt as of Dec 2008 18431.31(orginally 25120 Aug 07) Debt free date Dec 09