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

psychopathbabble

strawberryR wrote: »

Well done, one payment down. In the past I use to feel awful every time a payment was made but now I feel good as its reducing what I have left!

It just doesn't feel like you are clearing that much when you are paying out so much But I can't wait to make more payments! Once MrS is back from Scotland I'll get him to talk to someone he knows at a recruitment agency for temping work for me

strawberryR

psychopathbabble wrote: »

It just doesn't feel like you are clearing that much when you are paying out so much But I can't wait to make more payments! Once MrS is back from Scotland I'll get him to talk to someone he knows at a recruitment agency for temping work for me

I know what you mean, fingers crossed on the temping work. Its a vicious circle, but we will get there!

strawberryR

kerri_dfw wrote: »

Went to bed at 1.07am woke up at 7.21am....this is much better although not quite the midnight - 8am I had set myself. So I've gone from £10 to £7.20 but the OH is coming to visit and he is old so goes to bed at about 10.30pm... this should mean I get back up to my £10 in no time.... although might also mean I don't want to get out of bed in the morning *snigger*

I guess you won't be on here tonight then lol

kerri_dfw

strawberryR wrote: »

I guess you won't be on here tonight then lol

Haha well it has been almost 2 weeks since I saw him, will be on until about 8.30pm when he arrives and I have to cook the pizza I bought last night om nom nom.

strawberryR

kerri_dfw wrote: »

Haha well it has been almost 2 weeks since I saw him, will be on until about 8.30pm when he arrives and I have to cook the pizza I bought last night om nom nom.

Brilliant, at least it will be a no spend evening!!

Makes me feel lucky that I get to see my OH just don't tell him I said that or he will be thinking he is the bees knees!:rotfl::rotfl:

strawberryR

Oops just realised that I miscalculated. Figures should be £315.74/£6160.16. :eek:

Ahwell at least I have paid a little more off.

HelenPie

I just found this article on the BBC website about budgeting/family incomes, which I found quite interesting:

http://www.bbc.co.uk/news/magazine-15197860

hazelc56

An interesting program on Channel4 tomorrow night 8PM Thursday 1/12/11. "The Ultimate Guide To Penny Pinching".

strawberryR

HelenPie wrote: »

I just found this article on the BBC website about budgeting/family incomes, which I found quite interesting:

http://www.bbc.co.uk/news/magazine-15197860

Thanks for that its an interesting read,

idristhedragon

Hello all
I have been really brooding on the whole spending/debt thing this week, and I've got myself quite down tbh. I am definitely a shopaholic I have so much stuff, clothes, DVDs, games, CDs.... I have been lucky that I've got a husband with a good job that pays all the bills etc and my money is MINE. I am spoilt and greedy it all stems from two things- one when I met my husband I was a single mum in a council flat on income support with NO disposable income at all so I have been like a kid in a sweet shop since I was able to buy things and two my mum used to use belongings as a punishment ( eg: taking toys away if we were naughty) so I am a compulsive hoarder too and get very emotionally attached to having my things around me and not clearing stuff out cos it's MINE
I have recently got really in a decluttering mindset though and am starting to really enjoy clearing things out- physically with the house and mentally with this challenge
I am trying to pay off as much as I can before Christmas but Jan is my definitive debt clearing mission beginning. I am so skintight at the mo it's ridiculous and my whole pay tomorrow will get eaten by the overdraft minus £10 but I am going to be realistically living in overdraft til Jan so I'm giving myself leeway on that one. I have £80 in paypal that will go straight onto Cap One when it's released to make up for a bit of the Christmas shopping I've put on it. I went food shopping yesterday and spent £130 which is £30 over my £100 a week budget but I will just only spend £70 next week to redress the balance. MIL is paying for Xmas food (yay) so there maybe a bit to put on debts yet! ( actually I put £130 shopping on cc yesterday as food money arrives tomorrow BUT I'm going to transfer £150 and have £50 for next week - go frugal me!)
Today's mission is decluttering the kitchen big time as I have new floor being fitted next week ( for free ) so it is a need. 8 have things in there like a load of 70's paperback cook books that were my mums. Why? They are dust traps that I never look at so they are out out out. I also have a few clear hours as no school run so I am looking forward to a clear kitchen. Also going to make Christmas cake and try to stop beating self up and feeling down and self loathy. I came on today so that usually accounts for my depression being hideous so it should lift in the next day or so.
Again thanks so much for this thread it is a real lifeline and sorry for being so me me me.