First one to clear 15k gets a paper hat

fairmorn308

hiya guys

I Used to have around 15k of debts but its down to around 14k but i need to clear all these debts within the next 12 months.

wish me luck but am going to give it a good try.

tirlittan

Hello all and welcome fairmorn!
You going to join us in the paper hat challenge?

tirlittan

I have just paid my Virgin cc off!!!!!!!!!!!!!
Should clear in 2 working days, but I'm declaring it gone!!!

And I'm over £4k on this challenge!!! Double celebration!

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
:beer::beer::beer::beer::beer::beer::beer::beer:

ok, so I'm ever so slightly excited

tirlittan

Was very good last month. Managed to get £10 under on groceries, £10 under in petrol, and didn't spend my £10 miscellaneous money. £20 of that went to petrol for vb tournament we've attended, but at least i didn't need to spen extra on those. Well pleased.

Where is everyone again? I need you to celebrate with me!!

fairmorn308

tirlittan wrote: »

Hello all and welcome fairmorn!
You going to join us in the paper hat challenge?

hello

yes i think i will join the challenge, mine will be quick i hope as need to clear this amount and save for a deposit all within 12 months. I better start penny pinching

tirlittan

I wish I could clear mine in a year!

How are you going to manage it? What's your game plan?

fairmorn308

cut down on buying rubbish etc and try do more overtime at work. clear out house and sell stuff on ebay

clearmydebts

Yay - well done Tirlittan.Great achievement :beer::beer::beer:

Welcome to the challenge Fairmorn!

tirlittan

You've done brilliantly so far.

Unfortunately there's no overtime at work for me. Have sold stuff on ebay and amazon. Cutting down buying rubbish would work a bit. Loan interest is holding me back atm. But I guess the problem is trying to have a life as well, my hobbies take a fair bit out of my budget but couldn't do without them.

fairmorn308

well i have 3 credit cards and 2 loans still to pay but am going to clear my cards 1st then transfer the remaining of the loan to the cards due to smaller interest thats my plan. Fingers crossed i can knock £6k off my total by xmas this yr.