The "Pay ALL your debt off by Xmas 2012" challenge

rubywhatashmoo

kerri_dfw wrote: »

I've just had the biggest breakthrough ever, told OH I would rather use my PPI refund to pay off my freemans than buy a gorgeous bed *claps* and save for the bed when I'm debt free *claps* yay we have a proper goal *claps* All because I didn't want to have to tell you lot I spunked all the money :rotfl:

YAY!! Well done Kerri!! It'll be so much more rewarding when you finally get it when YOU have paid for it rather than your CC!

his_missus

Just had a look at the credit card. Seems my interest costs me about £43 each month so of the £70 DH paid only £27 actually pays off the debt :eek: Roll on Thurs when my loan DD goes out of my bank and I feel I'm really attacking my debt.

Current debt paid £47/£6583

psychopathbabble

kerri_dfw wrote: »

Welcome aboard browng

I've just had the biggest breakthrough ever, told OH I would rather use my PPI refund to pay off my freemans than buy a gorgeous bed *claps* and save for the bed when I'm debt free *claps* yay we have a proper goal *claps* All because I didn't want to have to tell you lot I spunked all the money :rotfl:

Well done :j

mf0u1098

Wow, it's taken me AGES to catch up on the new posts!!!

So a big welcome to our newest members:j:j:j:
ashleighsalem
flowerbomb1979
DomRavioli
parsniphead
rainbowneeks
bailey80
Deeperblue
browng


And a huge congrats to all of you who have paid off some of your debt!!!!!

I'll update all the totals now and add our new members to the 2nd post.

:j:j:j xxx

suzitiger

bailey80 wrote: »

Hi I would love to join - if I can (It will be impossible to clear all debt, but going to clear as much as possible)

We were considering an IVA a few weeks back because our dmp plan with CCCS isnt working out for us, we are still getting interest added and constant phone calls, also CCCS have passed payments on late a couple of times.

We have decided to try and pay these debts without doing an IVA, by doing our own dmp, it wont be easy the debts are huge, we have 21 creditors in total, and including our car hp payment (10,500) we owe a total of £34,939.16:(:(

OMG I think I mite cry:(

Well done Bailey!! It's not easy but you are on this thread now and we can help you do this. :j
RosaBernicia your challenge sounds good, you shouldn't be working too hard. Enjoy the extra time it will give you.

Kerri FAB!!!! well done. I have seen offers on groupon for beds that are really nice for very good prices. You already have the mattress don't you so these would be fine for you. Do you use groupon? If not, JOIN!! Its !!!!!!! awesome :rotfl:

banwa

This thread is bonkers...(in a good way)

£120 of various credit card payments today

So I have paid so far

£1328/£15000

:j

suzitiger

ahaha yes it is banwa, i'm not helping the situation tbh.

Can someone point me in the direction of some good threads for PPI and also I can't find the sealed pot challenge and Payment a day challenge. Anyone know the links for these? Thanks guysssssss

mf0u1098

Ok it's just taken me 34 mins to update the totals and add the new members!!! Yikes!

mf0u1098

suzitiger wrote: »

ahaha yes it is banwa, i'm not helping the situation tbh.

Can someone point me in the direction of some good threads for PPI and also I can't find the sealed pot challenge and Payment a day challenge. Anyone know the links for these? Thanks guysssssss

Hi Suzitiger, I think the link for these is on kerri's post #10...? xxx

kerri_dfw

suzitiger wrote: »

ahaha yes it is banwa, i'm not helping the situation tbh.

Can someone point me in the direction of some good threads for PPI and also I can't find the sealed pot challenge and Payment a day challenge. Anyone know the links for these? Thanks guysssssss

They're on post #10.

banwa, I actually am quite mad I think, mad for spending so much on carp

suzitiger, Thanks for the info about GroupOn but I have chosen my ideal bed, with the mattress it's about £1200 but solid wood and oh so worth it

mf0u good evening you've got me wanting to pay something every day and changed my outlook on spending thank you very much for this thread, exciting isn't it

Oooh total update I'm at £10 paid, pennies I know but waiting for c/c money to clear so I can get that to a nice big number *claps*