Pay off £15k by 31/12/2009

cheekymonkey20

This is what I will need to pay off my debts by Dec 2009.

Anyone who wishes to join me please PM me.

I want to start the challange to help myself pay it off as well as everyone else.

I am currently designing a Target Sheet etc to help me on the way, which i will put on my Kitchen Fridge.

On my basic wage i am paying off £294.89 per month, which is basically minimum payments, I want to pay overpayments to equal £15k which means that by December next year I will have £1000 for Xmas and my Debts paid off WOOHOO!

Its just all putting Ideas and support together to try and get through this, and get the extra money.

Its mainly about how to get the additional money to get the debts paid off... whether it be a second job, saving money on bills, car boots etc.

As i said anyone who wishes to join, or has already done this please contribute.....

Members
cheekymonkey20 - £15k
RedDino308 - £18k
pink1310 - £8k
sillylittlejill - £15k

halight

Hi
I wish you and anyone else who takes part in this the very best of luck.
all the best.

cheekymonkey20

I am using snowball calculator to help
Also going through a change on my electric to save £120 a year on this
Doing the shopping grocery challange to save £780 a year on this
There is £1k already

Going to also change the broadband and phone in April saving £316

Using quidco and cashback sites to save money on anything brought

cheekymonkey20

Have put a link on here that might help everyone!

http://forums.moneysavingexpert.com/showthread.html?t=767513

Read through the challanges to see if any may apply to yourselves

I have set up a little mini biz for t-shirt printing, got my first order today WOOP! Only 3 t-shirts but still better than a kick in the teeth!

Going through pigsback may help get some free days out too

pink1310

hi cheelymonkey,
thanks for the list above it was helpful and ive signed up to some.good on you for setting up a mini biz im geting stuff together for ebay and i cant wait till the car boots start again.im so mortivated im sat here at work racking my brains for more ideas.
nicx

cheekymonkey20

work.. im not back till monday.

I have brought some books to help me at work with the amazon voucher i got, wanna get over £1k bonus a month which is easily done if im in the right frame of mind and work my bottom off....

Im a door to door energy consultant with a energy company, so its tough but as i said if im in the right frame of mind i do well... its just hard getting in that frame of mind lol!

Whats the 5* holiday member chick? Wanna take my fella abroad next year as he's never been and want a lovely relaxing all inclusive holiday for the 2 of us. If we can clear the debt then there is a well deserved holiday that should be waiting for us lol!

x

cheekymonkey20

Have got a few motivational quotes, poems and stories here... may help along the year to not let us forget our goals!

While most are dreaming of success, winners wake-up and work hard to achieve it.

"Let go of the past and go for the future. Go confidently in the direction of your dreams. Live the life you imagined."-

Success seems to be largely a matter of hanging on after others have let go

Determination is often the first chapter in the book of excellence.

The difference between try and triumph is a little umph

Champions are made, not born

Many of life's failures occur when people give up without realizing how close they are to success

Believe in Yourself… All things are possible

Many of us spend our whole lives running from feeling with the mistaken belief that you can not bear the pain. But you have already borne the pain. What you have not done is feel all you are beyond that pain

March on. Do not tarry. To go forward is to move toward perfection. March on, and fear not the thorns, or the sharp stones on life's path

Once you embrace unpleasant news, not as a negative but as evidence of a need for change, you aren't defeated by it. You're learning from it."

Strength does not come from physical capacity. It comes from an indomitable will

Consider the little ant.
He never says, "I can't."
And so it comes as no surprise,
He carries things ten times his size.

A plan is only good if it
Is one that gets recruited;
For good intentions soon will die
Unless they're executed.
Success is never measured by
The things we try to do;
It only comes when we have seen
A task completely through.
Do not let fear confine your life
Inside a shell of doubt;
A turtle never moves until
His head is sticking out.
Adversity is what it takes
To see our goals ascend;
In order for the kite to rise,
It flies against the wind.

To find the key to your success
Takes more than intuition;
It's not the key that's hard to find,
It's finding the ignition!
Achievements often come when we
Forget our fears and try;
For that's when we accomplish what
We're most remembered by.
Don't let the distance to your goals
Keep you from your dreams;
It's never really quite as far
As what it often seems.
The move from failure to success
Takes more than simply grit;
It starts when you first realize
You know you'll never quit.
Achieving goals is difficult
Without some sacrifice;
Remember that you can't get rich
Until you pay the price.
Self-discipline is what it takes
To find a way to win;
To see if you have what it takes
Just take a look within.
If there was ever a time to dare,
to make a difference,
to embark on something worth doing,
IT IS NOW.
Not for any grand cause, necessarily...
but for something that tugs at your heart,
something that's your inspiration,
something that's your dream.
You owe it to yourself to make your days here count.
HAVE FUN.
DIG DEEP.
STRETCH.
DREAM BIG.
Know, though, that things worth doing seldom come easy. There will be good days.
And there will be bad days.
There will be times when you want to turn around,
pack it up, and call it quits.
Those times tell you
that you are pushing yourself, that you are not afraid to learn by trying.
PERSIST.
Because with an idea,
determination, and the right tools,
you can do great things.
Let your instincts, your intellect,
and your heart, guide you.
TRUST.
Believe in the incredible power of the human mind.
Of doing something that makes a difference.
Of working hard.
Of laughing and hoping.
Of lazy afternoons.
Of lasting friends.
Of all the things that will cross your path this year.
The start of something new brings the hope of something great, ANYTHING IS POSSIBLE.

cheekymonkey20

might also be an idea to set up a blog on NS days, money spent, or earned, outstanding balances, how we are feeling etc. you up for that?

cheekymonkey20

http://www.bargaineering.com/articles/category/frugality

pink1310

evening,
the 5* holiday is from the comp challenge im trying to win one lol.Im a receptionist in a hotel i dont get bonuses or they wont let me do over time ither.
wow 1k bonus that is amazing.Im so mortivated i know its only the 3rd day of the month but im excited for this year.soon as my debts are payed i want to put a deposit on a house.hopefuly debt free by the end of the year and start saving.ive just moved back in with my parents end of last year to help me out abit.
yes whats the NS days the could be quite handy.

cheekymonkey20

You've got it sorted then lol... wish i had the luxury of living with my rents again... id save so much... but the way the markets gone is ridiculous.

I used to work for a hotel... reception too lol.. have you asked about catering on evenings, do a couple of night shifts in the conference and events depo? I used to do that... started of as a banquetting temp working the dinners and meals, then worked full time doing reception in the mornings and coming back to do the dinners. Found that working my way through all the different fields of the hotel business made people ask for my help and hours too!

Will be amazing when i get it lol... started end of october, so hoping that i can pick up the pace now i know the job and now xmas is out the way... fingers crossed their big bills are hitting the mat and they are panicing, more willing to ask for my help then lol!

Its my bday this month so i dont think i will be able to do the no spend day lol! Mind u as its my 21st im hoping for a little bit of extra cash to what i normally get.