NEW - pay off £20,000 (ish) by Christmas 2009

sarahs999

Clipper235 wrote: »

Can I ask how you are paying £'s off the debt one week and then another set of £'s off of it the next. Are you selling things?

There's a whole load of methods. SOme people pay small bits each day to make them feel like they're doing stuff all the time. Some people pay in one big whack at the end of the month. Some people pay off the moment any spare money comes in.

And yes, we sell things, on ebay, we do surveys, overtime, mystery shopping - all pennies count!

mel19632

Well I can report that officially *nothing* has been paid off this week. We have no direct debits coming out until 21st, which I suppose is not that far away.

I feel not very happy about the debts today,

sarahs999

But Mel you've done so brilliantly! And look, you're nearly under £20k - a few more payments and you'll be there. For goodness sake woman, you'ev paid off over £18,000 this year - that's more than some people earn!!

mel19632

it is in fact what my OH earns excluding commission - i'm not really sure how we have paid off so much, so I should be happy as I know it is a lot, but still feel very grumpy and sulky.

I'm just going to go and sit in the sulkying corner for now.

Batfink

mel19632 wrote: »

Well I can report that officially *nothing* has been paid off this week. We have no direct debits coming out until 21st, which I suppose is not that far away.

I feel not very happy about the debts today,

You're doing amazingly well - £20k in a year - how many of us would have dreamt we could manage such massive amounts? It really is astonishing.

Anyway - you're all spending Batfink has yet again excelled at not saving, and, in fact, having spent what was saved.

On the bright side, I get the first payment of my student grant at the end of the month - so I've opened up a savings account with Leeds Building Society to pop it in. I'm going to save them all this year, then put them in a nice locked away bond at the end of the year.

So - I currently owe nothing, but have nothing saved either. Oh well.

On the bad news front - I've just finally given up putting on extra layers and turned the central heating on. It's been turned off completely since the end of May!

Keep it up chucks
x

mel19632

Thanks Batfink. I'm feeling in a better mood already having read your post. It made me laugh.
Also had some good news - sold lots of dvds on ebay. One got lost in post so refunded the man - it arrived today, TWO WEEKS after I sent it - and the case was broken.

As I had already refunded him, I thanked him for letting me know it arrived and he has offered to pay 50% of the winning cost! I am happy with that, as the money had already gone.

What a nice, kind person. He didn't have to tell me it had arrived at all.

Mel x

mel19632

£97 to Abbey today, woop!

Can't wait for the end of the month to make the main overpayment.

How is everyone? Veyr quiet at moment?! x

sarahs999

It is quiet isn't it, I was thinking that too. I hope everyone is still on the straight and narrow.

theskintfamily

I'm here!!! £421 off my loan today. can't see me paying anything else until pay day next week.

hypno06

I'm still here too - making baby steps as OH has not had so many hours over the summer months, so not so much opportunity to pay extra off.

But we are getting there - bit by bit!

Keep going guys xx