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

Gemmzie

We're on basic payments for January unfortunately as we've got to wait for work to pick up again and we're busy saving. Still determined to make it up soon though

julie2710

Hi Hypno and all
Glad we are doing so well. Just got mortgage statement in for the month and another 520.30 off my total:j Now paid over 13,000 of my 35K target!
Just had my sales meeting for work so now know what I need to achieve this year (when I go back from my maternity leave in 5 weeks!!) in order to earn myself some bonus and pay off some more of those debts!!!!
Congrats to everyone else!

In_Search_Of_Me

spendaholic chick...hang in there. In the early stages of dfw I did loads but with so much debt have had to get more of a balance or I'd burn out...only so much you can do with a huge list there to deal with so be gentle with yourself and just do te best you can each day...some days will be better than others so embrace the good days and learn from the learning ones....hugs for you...does feel like a hamster wheel sometimes doesent it!

Floxxie

Spendaholic_Chick wrote: »

Trouble is, working full time (on a fairly low income), studying two courses, being a single parent and trying to keep the house off the environmental health's radar is literally exhausting me and it's *so* hard to have the energy to do much else. It sounds like excuses, but it's genuinely not, I know only I can do this and I need to just get on with it - it just seems so insurmountable! Probably doesn't help that I'm very overweight and suffering with depression

Spendaholic Chick, you have a lot on your plate. To be honest if I had all of that I wouldn't have any energy to do anything. This time of the year isn't great either; perhaps when the sun finally comes out for a little longer than 2 minutes, things won't seem so bad.

How about concentrating on one debt-busting solution at a time? So if you are going to do daily clicks, do them for a week, then do eBaying for a week, then something else and don't worry about how little you actually achieve on each one but congratulate yourself on having had a go. (This is how I have to do things otherwise I feel a constant failure at not achieving them).

Match betting can be a very good money spinner but is not something to go into half asleep (or tipsy as I have done in the past). I think the football season might start around April (I'm not into footie so am probably very wrong on this) but you could always aim to be ready to start MBing during this month. I know there are several experts on this thread.

I'm struggling this year but I also know that by the end of the year I shall be in less debt that I was at the beginning and those little odds and ends that I managed to do, will have made a difference.

Floxxie

Uniscots97

Another 20 pounds added to the total.

magni

Got my last bill of the month in now and have updated my total. I have paid off £1315.66 so far this challenge:j It's mostly just my normal payments though so I'll have to get making some extra cash to meet my target.

mel19632

Some payments to credit cards out today - another £405 off my total.

flippy178

Is it too late to join? I want to clear £20,000 this year, off a total debt of £37,000. Not sure how to do it but I tried bingo yesterday and won £20 so I think that is a good omen.
Thanks

novagirl

Paid off £1.14 off a credit card today..(slowly but surely) and also got £66 back from solicitors to add in

julie2710

Paid off another 182.30 from the M&S credit card today!!:j Will start some ebaying next week!