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The ultimate incentive to get debt free, can I do it by New Years?

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  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    They actually cover ireland too, keep offering me jobs in galway and cork. Damnit I want Limerick!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Cool, I will be in Galway over the New Year. Might see about joining now then!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Well just a little update on how I'm doing on my challenges with 7 days to go.
    Pay off £600 from OD2 Done!
    Pay off £801 from CC1 £752 paid - £49 to go!
    90 Dooyoo reviews 19 done, eek!
    90 Ebay listings 100 started but corrupted and photos lost, need to check and adjust

    So all in all hasn't gone badly at all, although Dooyoo is still a way off. Have £67 coming through from paypal, £57 being ebay sales and £10 STP reviews. Provided that comes in before monday I'll achieve both the financial targets I had set for this month. Sold the classical guitar, need to wrap that and book DHL for tomorrow to collect it. I'm also going to try to make some headway on the mountains of surveys which still need to be done, and I want to relist a couple of items which didn't sell on ebay but someone asked me to relist. Also need to do the mystery shop report from today, after petrol I think I only made about £3, but was a nice trip out with my dad.
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Flower08
    Flower08 Posts: 4,771 Forumite
    well done with your mini challenges (although not so mini if you ask me:rotfl: )
    Keep up the good work
    x
    Biggest Loser Weight Loss: 13 / 20 lb
  • MinniMe_2
    MinniMe_2 Posts: 1,611 Forumite
    Well done your doing well - I'm sure if you put your mind to it you will be ablt to complete all teh challenges you set yourself!
    New surname New start!
    Total Debt - [STRIKE]£9999.09 [/STRIKE]now 7633.16 23.66% paid off
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    I hope so. Given the levels I need to up myself to for the 20k in 2009 challenge my challenge for January will be to pay off CC1 - which is still less than I need to be doing per month to hit the 20k! Just seems so huge, nearly £1667 per month! Going to also have the 90 ebay listings and I'm going to be a bit more realistic and say 50 dooyoo reviews but I'm also aiming for an absolutely massive 1000 tracks on STP. Just started the free scratchcard on Butlins last night, already 70p up, pretty chuffed with that!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Cinny91
    Cinny91 Posts: 6,022 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud!
    Hey, Dinah! Just caught up on your thread. I'm back from Cumbria feeling nice and refreshed and ready to get down to some serious saving. (mainly to pay for next years holiday) the caravan was lovely and not as cold as I thought. Central heating, gas fire, big cooker and freeview? not the caravans I remember growing up at all!!

    Well done with all your ebay sales ect. Hope you had fun with your MS meals, I've just started a book called 'The Secret Shoppers Revenge' by Kate Harrison. About mystery shopping on a whole new extreme. Quite funny! Your comment about doing MS for the free meals reminded me of it as one woman is determinded to get almost everything paid for by the MS people.

    Still got abit of unpacking to do and prep for work tomorrow so I bet get a move on!
  • Cinny91
    Cinny91 Posts: 6,022 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud!
    Morning!! :D

    Thought i'd let you know thanks to you giving me a kick up the bum I've been given £40 in vouches in the past week by concentrating on MSE. £10 voucher from dooyoo (spent that now!) £10 voucher from pigsback and I've just got £20 in vouchers this morning from work, not so MSE but I was reading on here somewhere about being gutsy and asking out right for things so I did and I got them!
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    That's really good Cinny! Have you got anything nice with the vouchers?

    I'm getting irritated, no money has come into my account in ages. I bought a couple of presents on ebay and bought postage online via paypal so while nothing came out my account as it was offset by ebay sales, nothing has come in either! Because of the few presents I have bought, little bits for dad and OH and a pressie for my brother because they wouldn't accept mums type of card, as well as waiting on reimbursement for all the MS meals, I don't think I'm going to have more than a few pennies to transfer over on payday.

    Went out for a very nice meal last night for MS, and have another tonight which I would have gone to anyway so at least this one is saving me money. Also wrapped all outstanding ebay, RiSi and amazon parcels, which need to be sent today along with the forms to reclaim CC fees and the second attempt to get the A & L to put the joint account into my name.
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • Cinny91
    Cinny91 Posts: 6,022 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud!
    I got OH his last christmas presents with the amazon voucher - 2 books. (finally got him into reading!) saving the other vouchers for sale shopping in the new year.


    Hopefully your account will sort itself out over the next few days. Are you on about your paypal account? Mine is always quick to draw out the money but it takes ages for it to go in :rolleyes:

    Sounds like alot of posting for you today!!! Have a nice meal tonight too.
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