The Ultimate Hard and Fast debt clearing mission

clearmydebts

Dinah93 wrote: »

What we’ve done this month.

Celebrated meeting our target last month with a meal out
Cancelled the stove installation and saved the money.
Paid off Dinah's Next account
Paid off NIMs Next account
Kept entering gum packets, one more cheque on the way
NIM kept mystery shopping, Dinah not so much.
Sold 14 items on eBay
Sold 15 items on Amazon
Checked onepoll a few times a day on a weekday. Now up to £23.05
Started going to a new church, sacrificing a bit of money making time for something that’s important to us.
Had a great 12 week scan

What we aimed to do:

What we want to do in November

Knock the broadband bill down by activating an o2 sim
[STRIKE]Replace a car tyre [/STRIKE]
[STRIKE]Pay the MOT in cash not credit[/STRIKE]
[STRIKE]Pay for the car insurance in cash not on a CC or monthly instalments[/STRIKE]
[STRIKE]Arrange for the stove to be installed[/STRIKE]
[STRIKE]Pay off the stove installation bill once installed[/STRIKE]
[STRIKE]Pay off Dinah’s Next account[/STRIKE]
[STRIKE]Pay off NIMs Next account[/STRIKE]
[STRIKE]Pay off CC3[/STRIKE]
[STRIKE]Make £500 from eBay and Amazon sales[/STRIKE] £531.15 Ebay, £101.61 Amazon, minus £21.38 ebay fees and who knows what in postage. This is received money only, some is still pending and some people never paid.
[STRIKE]Make £300 from mystery shopping/auditing [/STRIKE]Dinah: £168 NIM: £182.77(nb these are totals received AND paid off the debt, more may have been received but kept as float)
Get the packaging and first products finalised and in hand Fail. Still at the proof stage
Query both tax codes
Write to complain to Virgin, Tesco and [STRIKE]the council.[/STRIKE]
[STRIKE]Declutter 90 things through selling, binning or recycling.[/STRIKE] And then some. I excavated the study from under a mountain of paperwork. I also have obviously sold quite a few things on ebay and amazon, and I have a big box in the hall full of bric a brac type items for next time we get a charity bag through the door.

What we want to do in December

Get the products and packaging in hand as early as possible as some are Christmas themed.
Pay off OD2
Make £500 between Ebay and Amazon
Make £300 mystery shopping
Start Shop and Scan
Get all presents and Christmas cards posted by the 19th December
Get the car wheels balanced
Get car serviced
Pay off dad for NIMs bike (£100 which isn't on the debt charts as I forgot about it)
Have the full Christmas menu planned by the 18th
Precook and freeze as many Christmas day items as possible (red cabbage, Yorkshires, roasties, cranberry sauce etc)
Beat the ironing, get it down to only the bucket which has just come out of the washer
Send off no claims reminder
Replace mouldy mattress
Send Tesco complaint
Send Office complaint
Send Virgin complaint
Get NIM to call o2
Do 10 vine reviews

So, we didn’t make it this month at £72.25 per day, no meal for us in December. If we hadn’t had the car expenses we would have been there or there abouts. I’m very happy that we won’t have the monthly payment for the car insurance for the next year though as it will free up a bit more money on a monthly basis.

You are doing incredibly well. Keep up the excellent work the pair of you!

Dinah93

I really like how many lines are at £0 now. I'm gutted we didn't get below £30,000 though.

rubywhatashmoo

Dinah93 wrote: »

I really like how many lines are at £0 now. I'm gutted we didn't get below £30,000 though.

Just think how much you'll smash it by this month though even if you have an expensive one! :rotfl:

Dinah93

Lol I'll be glad to smash it by a fiver at this rate! Although I'm in a wierd place, don't actually want to spend the money and can't bring myself to fork out unless it's completely nessisary.

Poolie

Thought it is not going down as quickly as you would like, you are moving it onto 0% cards and accounts which will save you the interest you would have paid allowing you room to pay that little bit extra.

Don't get too stressed about it as it will suddenly start dropping once you have done the consolidation on to better rates.

Dinah93

I think we've moved all we're moving now, silly as it sounds I remain hopeful that some miracle will mean we can pay off the big OD this month, leaving us with just the 16.9% CC and the business CC to clear in Jan. It would be a great birthday present to be interest free. Although the 20 week scan will still beat it

Can't find a way to sit today, I seem to have a trapped nerve or something in the left side of my back, it just keeps twinging and making me wince.

kavics17

Dinah93 wrote: »

Lol I'll be glad to smash it by a fiver at this rate! Although I'm in a wierd place, don't actually want to spend the money and can't bring myself to fork out unless it's completely nessisary.

It seems like you caught the real MSE bug:))). You did well in Nov, well done.

wendz86

That's good you don't want to spend Dinah, think you are def back in your debtbusting groove.

Hope everyones having an ok day, we went swimming this morning which was fun and off to another Christmas party at a baby group this afternoon.All this partying is going to wear me out :rotfl:.

Birdie85

Graph's looking good! Don't be disappointed by the daily average, it's still an incredible amount to be paying off!

I'm terribly excited for Christmas now, OH put out my presents last night in the biggest gift bag ever, it's huuuuge, and heavy! I already know what one of my presents is, and lucky that I do as I almost bought the same thing for him! It's a cuddly Pascal from Tangled; when we were in Disney World we looked everywhere for him but he was nowhere to be seen so we've both obviously had the same idea for Christmas. Luckily I'm a super sleuth and worked it out otherwise we'd have 2!

Hope you enjoy your party Wendz, the pics on FB of Poppy in her reindeer suit are too cute!

I've no idea how I came across this site but I really want to put my face on a Barbie doll! One of my 1001 goals is to make a mini-me bride Barbie and I've been looking for one that kind of looks like me... but this is so much better! Just have to convince OH that it's not a total waste of money! Seriously, the things that people can do nowadays astounds me...

wendz86

I am getting all excited too Birdie. Don't think i would be able to resist having a squeeze if we had pressies under the tree.

OH and I have both cheated on our £20 budget by buying each other a present from Poppy.

Wow that site is kind of scary,is amazing what they can do.