A Head to Head Challenge

mizmir

EBay sales and a refund have got me to £120 this month - not sure I'll make it to £300 with it being Christmas but it's a start. Will also be trying to cut costs - spending diary is really scary but lots of potential for cutbacks!

nevadagirl

Hello challengers!

I'm in pretty much the same boat, too. If I didn't have that £200 to claim back I'd be struggling this month.

My strategy for January is to eat out of my cupboards and freezer as much as I can. I'm going to stock up on UHT cartons of milk and buy my cat food in bulk at the start of the month so I'm not tempted to go in the supermarket AT ALL. I get fresh fruit and veg from a local farmer every two weeks, so I shouldn't get scurvy or anything :eek:

Everyone else will be skint after Christmas so hopefully there won't be too much pressure to go out socialising. The weather is far too miserable anyway. I'm in a book group and our next meeting isn't until February so I'm about £20 better off this month and in January than I would usually be. Plus I recommended our next book so I already have a copy, and rereading it will keep me out of mischief, I hope...

malvena_2

Hey everyone

This seems like one heck of a challenge and I really need a kick up the bum (there is nothing like a bit of compertion to do that).

My debts are larger than 21000 but to get rid of a chunk would be amazing so im in if thats ok.

Current debts

Barclays loan 23000
MBNA card 220
Barclaycard 4500
Egg card 3800
Comet 140
Sainsburys card 2100

Will need an extra 250 per month to meet the 21000 target so will sell every bit of junk I have got.:rolleyes:

Malvena

Nuclear_Tom

I'm £19,557 in debt, so not far off a level playing field. I'm aiming for Dec 2008 too! So I'm well up for the challenge!

Where do I sign?

mizmir

Nuclear_Tom wrote:

Where do I sign?

Think you just did Tom! Welcome to you and Malvena. The more the merrier as the more of us there are the more there are to keep each other going!

Nuclear_Tom

So rather than head to head, its more of a head to head to head to head to head challenge!!!!

malvena_2

Fessing up time at the end of the month? :rolleyes:

Better get selling then.

Good luck everyone

farmerswife

Hi All
Your challenge caught my eye as I thought that was about the level of my debt. Unfortunately on totalling it all up I've made it about £3k higher. However I'd love to join in as I need the challenge to get me committed to reducing it. If I leave out my M&S and Lloyds cc which are at the lowest rates I make my challenge £21419.28. Hope I can join in.
Farmerswife

mizmir

farmerswife wrote:

Hi All
Your challenge caught my eye as I thought that was about the level of my debt. Unfortunately on totalling it all up I've made it about £3k higher. However I'd love to join in as I need the challenge to get me committed to reducing it. If I leave out my M&S and Lloyds cc which are at the lowest rates I make my challenge £21419.28. Hope I can join in.
Farmerswife

Don't worry - my total debt is £27.5K :eek: but if I can meet the challenge it will bring my DFD date forward by more than a year! More than worth a go.

michael1983l

Im posting mine early as I already know whats being paid for definate....

Direct Debits out this month

£99.18
£194.35
£200.00
£30.00
£87.81
£72.94

Total £684.28

Pay £100 to creditcard balance leaving £170 to pay :j

Total payments of debts this month £784.28 - not far short from my monthly target for 21k

Debts left after this month £20,949.89