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

jakes-mum

A bright and cheery debt busting morning to you all :wave:

I have finally got DH to agree to cancel the additions part of out bank account that is costing us £12.95 per month (plus interest from the overdraft!) we've had the account for 6 years now and ive worked out that we have paid Natwest £932.40 in account fees for . . . . travel insurance for 2 holidays _pale_ Thats my overdraft! :eek:

Hoping I can get him to go this morning, get it done while hes agreeing

Kepp

Quick update to my total - £655/£12,234

Well done everyone! :T

idristhedragon

Hey all well done for that epic amount of pay-age! we rock
Well I am finally feeling better today after my doldrums week. I knew I was feeling better when I bothered re dyeing my hair last night and now it is red red red! It had gone all dark and manky so now Im BACK LOL
I appear to have a wallet full of cash! My MIL has given me money to get the kids pressies, £50 to get ME a pressie and I got paid today. I am goimng to go out shopping this morning and try and finish Xmas then any extra £££ will go to Vanquis.
It is my Daughters 14th birthday party tonight so I have her + 4 friends overnight, + my three little ones, + I thought "if you cant beat them, join them" so I have 3 girlfriends (+ 2 extra little ones) and hubby has 2 friends coming over so hmmmm, I appear to be having a party LOL.
PMT appears to be abateing now thank god- I had a real rough time this month BUT I feel so much better Im off to run the vacuum round and fold some washing so I can fit all these people in my house toinight!
Happy Debt Busting, Guys and Girls

kerri_dfw

Well done idris so glad to hear you chirpy again
I'm contemplating throwing some more money at freemans, but want to wait until after the move as there's always something you forget isn't there?

forgottendreams

GOOD MORNING LOVELY LADIES AND GENTS!!!

Wow, i've not been on here a few days. £24k of debt busted, and 63 pages of chat Well Done Guys!! Seriously, AMAZING!!

I'm excited.... Another payment for me. Please can you put me down for a payment please.

That will bring my total paid to £365.35/£5854

psychopathbabble

Kerri how about saving with a credit union? They are ethical, and with my one at least, you can have lots of 'pots' for various different things. There isn't really an interest rate but they do pay back dividends each year from what profit they make

kerri_dfw

psychopathbabble wrote: »

Kerri how about saving with a credit union? They are ethical, and with my one at least, you can have lots of 'pots' for various different things. There isn't really an interest rate but they do pay back dividends each year from what profit they make

Can you PM me an example? Oh and can you do it online? I'm not fussed about interest as I'll be dipping in and out of the pots when I need to. Would be awesome to have individual pots though

psychopathbabble

kerri_dfw wrote: »

Can you PM me an example? Oh and can you do it online? I'm not fussed about interest as I'll be dipping in and out of the pots when I need to. Would be awesome to have individual pots though

Have sent you a PM... all CU's work slightly differently but mine can be done all online

kerri_dfw

Thank you, will look into that later on looks interesting though and would much prefer that to Lying Total Scum Bags

antonia1

Morning all! Thanks for all the support. You're definitely right jakes-mum, I do work with a few prats. Fortunately I'm off for lunch with a colleague who isn't a prat and is actually pretty nice.