The big challenge - pay off £20k by Christmas 2010

InaPickle

Earthstrong wrote: »

Hi Penguin and Pickle I love your colourful signatures!

£60.00 paid to MBNA today.

Why thank you! You can add some colour to yours as well, if you like.

P.S. Well done on the payment!

gailey_2

Pickle love the 7p every little counts soons adds up.
my mate has savings account with Lloyds that adds up the odds says she accrued £10 in a month.

poohbear- I had an old ring with stone in from ex boyfreind took it into town

money shop offered £8 they inly interested in gold went to independant jewellers was offered £10 and took it.
Dont really have much gold took a bangle i thourght was worth nothing again another gift from ex was silver and gold but they dont buy silver they suggested I ebay it. The brand was tiffany and co got £40+post was chuffed but sadly got no jewellry lying about.
Cashed in all our old mobiles before xmas dident get much so need to be more creative in new year.

January proving to be hard month for me and hubby managed to pay another £8.71 to additions but need to pay another £495 this month so will keep on selling maybe try get into dooyoo again.

Keep entering comps and daydreaming about having money!
well done everyone im thinking correct me if im wrong dec-dec dec and jan be hardest months for most people as additional cost of xmas, definatly saving for xmas next year say it every year but mean it.

Feeling bit down and stressed about money this month, anyone else feeling bit daunted?

Need to look for part time job to take pressure off .

taking part in pay off a debt in 100days too so need to clear £700 of total debt in 100days which will push me as short time frame, highest apr and contribute huge chunk towards this task.

feb/march better months as no council tax plus no nursury fees, no pain no gain luckily preschool which is free have given her whole school day on thur.

taxi73

Don't feel bad Gailey...DEc/jan are bad months for everyone.
There are positives in that post as no council tax and no nursey fees will be a fair amount of money at a guess.
Good luck finding a p/t job.

juicygirl

Ok, so last night after a few glasses of wine ( a Christmas pressie - no non essential spending in the juicy household!) me and the hubby decided we really want to get our flat on the market so we can buy and house and get our family started. We decided we really want to clear our debt as fast as possible.....

....So, in my drunkenness (:o) I made a £100 overpayment to my credit card and a £100 overpayment to my CC. Great you may think except I have already made my overpayments this month and now I am well and truly skint until payday in 3 weeks time :rolleyes:

Luckily the cupboards are full, the car is full of petrol and all the bills have been paid so we should be just about able to survive without resorting to the credit card !

Sig updated. I will be glad eventually!

hypno06

I agree - if you can survive January, you can survive anything!!

£10 paid to the debt pot for me today.......have a good weekend, everyone!

taxi73

Well done on the overpayments.

Earthstrong

InaPickle wrote: »

Why thank you! You can add some colour to yours as well, if you like.

P.S. Well done on the payment!

Why thank you Pickle. I may well add colour to my signature.;)

S.Worth

juicygirl wrote: »

....So, in my drunkenness (:o) I made a £100 overpayment to my credit card and a £100 overpayment to my CC. Great you may think except I have already made my overpayments this month and now I am well and truly skint until payday in 3 weeks time :rolleyes:

If you manage it ok, then it means you have a overbudgeted a bit, so you should be able to pay bigger overpaments in the future, and clear the card quicker

On the other hand, if you do have to spend on the credit card to get through this month, it means you've got your budget spot on, and should be proud of yourself

Either way, you win :D

S.Worth

gailey wrote: »

Feeling bit down and stressed about money this month, anyone else feeling bit daunted?

Nope, not at the moment ( I'd saved well for Christmas and DW did plenty of overtime in November), but I will do sooner or later, we all do sometimes, it's just life's ups and downs isn't it? Go with the flow and you'll get through fine, if you feel stressed, just remind yourself it's a long term thing, and it's going to get better, as you're in control of it.

mel19632

gailey wrote: »

Feeling bit down and stressed about money this month, anyone else feeling bit daunted?

Don't worry - i'm sure everyone feels like that!

Looked in the account today and realised that I forgot to cancel phone insurance (and some stupid gadget insurance) which had 30 days free.

I have accidently cost us £24 but not paying enough attention. Am very annoyed with myself and no-one else to blame!!

Never mind - I'm sure I will earn that money back somewhere....