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

loubie_lou

mf0u1098 wrote: »

It just goes to show how much money I kept throwing away!!! It's frightening really that this is the kind of money I used to just spend without thought. I know my bonus is in there but it's still a sickeningly large figure. At least I'm channeling it into the right place now...OFF MY DEBT!!!! :D:D

It also helps that I'm now on a decent salary and live at home... I couldn't be doing this if I'd continued to live on my own or if I hadn't got this amazing job. xxx

I know, imagine if we hadn't have got into debt, i could've had £1000s that I might've just squirriled away!!

browng

Afternoon everyone,

Finally started to get the ball rolling. Cleared some extra off my loan today payed off £115 not a bad start cannot wait until pay day in a couple of weeks to pay off more getting quite addictive this clearing debt business

Cleared: 115/5230

Credit card £450
overdraft £2500
Loan [STRIKE]£2280 [/STRIKE] £2165

Total I owe [STRIKE]£5230[/STRIKE] £5115

recurrent-ostrich

kerri_dfw wrote: »

Just been sat in a meeting at work trying to work out how many pots I need so that I don't have to make lump sums from wages when it comes to car tax, insurance, service, mot, birthdays, xmas pressies hahaha. I need about 6 or 7 different pots but it'll be nicer to do it that way than go "GAHHHHHH!!!" when the bills come in at their irregular intervals *claps*

The Halifax let you open up to 10 mini savings accounts, online only, with or without a cashcard.

kerri_dfw

recurrent-ostrich wrote: »

The Halifax let you open up to 10 mini savings accounts, online only, with or without a cashcard.

Ooh thanks, but they're part of Lloyds banking group and I refuse to use them ever again after the way they treated me with this PPI

dd1981

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Afternoon everybody!

Today is a great day, have paid massive amount towards the evil credit card! Whoop whoop! Total paid off today was £677.93!!! All ebay and amazon sales My wonderful fiance sold a couple of his guitars which really bumped it up.

So am now at......

£827.35/£9793.81

Pay day tomorrow so shall be looking at some budgets for December and making some new payments too

Hope you all have a fabulous day

DD
x

his_missus

YAY! Today all my DDs go out of the bank including my loan repayment but it hasn't yet updated my new loan amount online yet (I don't know how mush of my payment is eaten up by interst) so will post later when I get the new total.

Keep up the hard work and motivation xxx

buffster_2

recurrent-ostrich wrote: »

The Halifax let you open up to 10 mini savings accounts, online only, with or without a cashcard.

Is that a relatively new thing? I have 5 online savings accounts with them and that's the maximum they would let me have. That was a few years ago now though.

It would be handier to have more, as I have some pots lumped together, and it would just be easier to understand if the pots were separate.

recurrent-ostrich

buffster wrote: »

Is that a relatively new thing? I have 5 online savings accounts with them and that's the maximum they would let me have. That was a few years ago now though.

It would be handier to have more, as I have some pots lumped together, and it would just be easier to understand if the pots were separate.

Fairly recent, I believe. I have got our current account, then 9 other "online saver" accounts that I have renamed exciting things like "car account" "clubs piano lessons and brownies account" and "afterschool club fees account" :rotfl:

Malmol09

So....only spent 1.15 today on milk for the wee fella!! Got some £8 off £40 shop vouchers through the post for Tesco.... so that's brilliant to keep food bills down. We manage to play the supermarkets off each other, we're lucky in that we have 5 big chains all in easy reach and they all want your business!!

Also still keeping focused on NOT using the CC. Can't pay much off my debt til payday this month..... but if I can avoid using the old CC then I'm really proud of myself!!

Thanks this is really keeping me focused! :j

antonia1

ARG! Why are some people so annoying! I was just saying how excited I was to get my mum and step-dad Christmas presents from Tesco vouchers and the two guys who sit next to me said that was really stingy! I think its awesome cos I've got them a present they'd like and they wouldn't want me to spend more than I had to.