The Debt Free Birthday Club Challenge!

SarahNeedle1872

Loads of posts to catch up on (thats what heappens if you don't log in for a day!) but have paid £25 off a card yesterday

laura2481

HSBC credit card came through so total current debt = £5717. This means I have paid off £1097 pounds in total :j but don't like that it's not a round number so I will send £3 extra over to my CC to make it £1100 paid off over all.

mooomin

zigmeister wrote: »

Hi, I've never joined a challenge before and this seems like a good one! Can I join please

I'd like to clear £2000 before my 21st birthday in 2010 :j

Zig x

You're in!!

I have paid another £6 today, payday on Thursday, can't wait

Hopeful1

I've had to do a new ticker - i forgot my pin for the last one!




Sorted! I've started to add the payments i've made now. I'll do this weekly as it helps to see that something, no matter how small, has been paid and is making a difference.

clarabella23

Just changed my sig so were all official now! Started a PAD this weekend, but cant find my card reader so its in savings account at the mo, paid £3.58 so far!woo hoo!have also listed about 20 things on ebay, abd hopefully starting matched betting very soon so hopefully things will get moving!

ehallett

Morning everyone

Thought I would do my own ticker, not that I have paid anything off yet :rolleyes::



I've only got 2 years and 7 days left. That's only 737 days :eek:. I've just really depressed myself now. Still, only 737 days until I am debt free :j

Emily x

shopgirl2512

Morning all DFB's! Hope you're all fine and dandy! :j

Welcome to the new folks...

Well, I have been away for a few days, but after the initial £80!!!:eek: train fare, managed to not spend any money in 3 days, so not bad at all.:T

I have started the PAD challenge, and i have to say - Emily - that was a great idea! I have made more payments than I thought I would.

Well, I have to pop into town now (hopefully, won't spend too much!), but I may be back later, as I need some advice on money type stuff...hope that's OK!:o

laura2481

Hi everyone- had some good news this morning

Whoo hoo! :dance:
A letter came through from our gas company today saying they owed us £230. I gave them a ring 'cos it sounded a bit bizarre and it turns out they have been overcharging us for the last 3 years as it was mostly estimated bills, so they are refunding us £200!! :dance:

So now all I need to deceide is what to do with my £100 (BF get's other £100 as we pay same into joint account)


Should I:

1. Pay it off credit card (this one saves most interest so should really do it this way..)
2. Pay into Christmas savings, then pay money for christmas savings off of CC for next few months.
3. Pay £100 off BF (then pay money would be paying him off CC)
4. Put in holiday savings (then pay money of CC, you get the idea)
5. Buy an expensive pair of shoes (not really! :rotfl:)

I guess it's all swings and roundabouts, I'll eventually end up paying extra off of credit card, but it just seems so boring. It would be nice to have BF paid off earlier- but he is interest free. And if that money goes in holiday account it feels like a treat but does free up money for CC. Oooh, I'm so indecisive!

Anyways, lovely unexpected £100 :dance:

UPDATE: OH has just burst my little happy bubble and said we should spend the money on getting the boiler and gas fire serviced, which we should have done in January but didn't have the money to do. I guess it's sensible Still, maybe there will be a few pennies left over to pay some off the CC

Still- 200 squids is 200 squids and not to be sneezed at!

Purpleclutterbuck

Good early evening DFBs:cool:
Have finally caught up with the posts and the snippets of "debt busters lingo and ideas"
Sound's like a which magazine publication!!! :rolleyes:
When I worked out how much extra each month would have to be paid over the next ### months to be a smiley happy girl I was reeling from the shock:eek::(:cry::eek:
So I picked myself up and dusted myself off.....etc etc and I came and cheered myself up by coming to you wonderful lot for inspiration and comfort:heartsmil
All is well again now and my challenge is a mere drop in the ocean in the sea of life!
I realise that anything is achievable and every little helps. My bathroom shelves are full of "Use-ups" as are my kitchen cupboards.
I think I will have to prescribe 2 doses of DFB a day for the next xxxxx years

Purpleclutterbuck

There- I've taken my medicine like a good little girl !
So I hope any DFBer out there will also take their medicine too I just know you'll feel better very soon ( have also paid £14.25 towards various bods as I found a load of change in an old handbag!)
Remember- when the debt blues strike just get on the DFB buster hike:T
Walking to forumland is very good for you :cool: