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

jakes-mum

sharronej wrote: »

:j:j I have my first £5 Amazon from Swagbucks :j:j

What am I best doing? Ordering them as I go along or letting them build up? Why do I keep getting disqualified from Surveys?

Hope you're all having a good night

xx

Woohoo!! first voucher :j :j :j i ordered another one last night

I get screened out of alot of surveys because im 'unemployed' (theres never a selection for long term sick :mad: hate them making me feel like ive chosen to not work )
and sometimes theyar just looking for people who work in certain jobs or have kids of a certain age. I once had one for people with a kid 10 - 14 (my sons 10) who likes video games (oh wheres the rolls eyes smiley) and he got screened out because he didnt own a 3DS . . . dut he owns a DSi

DorsetGirl_2

recurrent-ostrich wrote: »

Am sad. Have paid most of this month's CC's and got the statements with interest. Most of my payments have gone on interest, and worse than that, my Next bill came and there were £200 of spends on there that had missed the previous bill, so after interest and those, my balance is higher than it was the month before. I feel like we're slogging away, scrimping and saving and not even making much of a dent in our debt. Logically I know that if we keep on plugging away, the interest will reduce, albeit slowly and that eventually things will get better, but feeling very disheartened today. :(:(

Anyway, my total is:

#049 £220.27/£10,000

Sorry to hear your feeling down. You will get there and you are better off than if you would have been if you hadnt started making extra payments

savingforarainyday

Well I have had an honest look at finances and it looks more like

£6350 :eek: ouch!! Since we had to replace the car:(.

I am off for a catch up to see what eveyone has been up to. Will post later

loubie_lou

OK, only three from ten items are selling so far on eb@y with two days to go. Pretty disappointed but hey ho will relist if they don't sell.

Hands up who is receiving some dodgy questions?? I am selling an old phone and some really strange questions and requests so far! Shall i just ignore them or reply and say DO ONE?!

psychopathbabble

loubie_lou wrote: »

OK, only three from ten items are selling so far on eb@y with two days to go. Pretty disappointed but hey ho will relist if they don't sell.

Hands up who is receiving some dodgy questions?? I am selling an old phone and some really strange questions and requests so far! Shall i just ignore them or reply and say DO ONE?!

Answer the strange requests.... I sold my old work shoes and because i work in aviation, there was shall we say a 'unique' interest in them... I ended up getting £35 for them from some dirty-minded individual :rotfl::rotfl:

loubie_lou

psychopathbabble wrote: »

Answer the strange requests.... I sold my old work shoes and because i work in aviation, there was shall we say a 'unique' interest in them... I ended up getting £35 for them from some dirty-minded individual :rotfl::rotfl:

I've heard of those types!

mf0u1098

PedroMatias wrote: »

Well, I'm home and I'm drunk
After an evening of fun
And I'm feeling poetic
But there's work to be done

For each pound that I've spent
There's a price to be paid
Every whim and every pint
Every bill I've delayed

By no means I'm alone
Because I've found a throng
Of a hundred or more people
Who help each other along

We're facing up to our demons
Many years they have ruled
We'll be in control again
Don't let anyone be fooled

And when our work is done
We'll be happy as can be
Our bread will be ours
Our minds can be free

We'll be on top of the world
And on top of our affairs
We'll be free of constraints
And free of all cares

So with the small sacrifice
Of a brief frugal time
Every one of us will succeed
And we'll be feeling SUBLIME

:beer:

Wow, this is beautiful :A wow

mf0u1098

recurrent-ostrich wrote: »

Am sad. Have paid most of this month's CC's and got the statements with interest. Most of my payments have gone on interest, and worse than that, my Next bill came and there were £200 of spends on there that had missed the previous bill, so after interest and those, my balance is higher than it was the month before. I feel like we're slogging away, scrimping and saving and not even making much of a dent in our debt. Logically I know that if we keep on plugging away, the interest will reduce, albeit slowly and that eventually things will get better, but feeling very disheartened today. :(:(

Anyway, my total is:

#049 £220.27/£10,000

I know exactly how you feel but YOU WILL GET THERE!!! The most important thing is not to give up but face that these evil cards will take a lot of your money in interest but not for much longer! And once you've paid your debts off then never again will you pay anyone interest again (maybe a mortgage tho...). Can you do any balance transfers to 0% cards so you don't pay interest anymore?

Sending you a huge hug my dear, we're here to support you :A
xxx

kerri_dfw

I've come on to report my very MSE shopping trip with my sister. She dragged me round Castlepoint in Bournemouth and we went in almost all the shops *eek*. When in Mr A I found soda crystals, picked them up but half way round decided I didn't actually want them When in Mr MS was looking at warm jumpers for OH before he goes to Canada in Feb as they were and extra 25% off, but put two of them down and walked out empty handed as will get them in the sale in 2 weeks time. So that's a mini-challenge saving of £56.90 yay:j
However, the best MSE thing happened in Homebase... you remember we decided we needed a new tree this year as the one we have has seen many, many better days (and that was last year). Went in with my mother, sister, and little nephew to look at trees... all xmas trees reduced with an extra 20% off and triple points this weekend, win! It gets better, we ummed and arred about whether to get tree in a bag, or whether to get tree + baubles + lights. Decided on 6ft tree in bag, couldn't decide white or green so I asked little nephew (23mnths old), he pointed at the green one. Looked down at the bags and found that the one we wanted had a broken zip on the bag, "oh no" we thought. Asked the lad that was shelf stacking if they had anymore and he said that they didn't but we could probably get a discount. The price of this tree was £59.99 reduced to £19.99 plus the 20% off which now made it £16. I took it to the customer services and the lady said we could have it for £10 "bargain" we thought. She rung it through and it came up at £8, the till took off another 20% "yay!!!"

It gets even better than that, our Homebase is one where you put a £1 coin in the trolley so people remember to take them back, I went to return our trolley and found someone had forgotten to return theirs. So that's a £1 coin for me All in all our xmas tree cost £7 absolute bargain!

This makes up for the fact I spent £20 on coffee and cake *nods*

[Deleted User]

Hey just wondering if I could join in this challenge?

I have already made a good way with my debt but I am planning to get rid of the rest FOREVER by Christmas 2012 - I shall add a start amount & how much I currently have left.

Do I just update you each time I have made a payment?

Started with £17673.84
Currently has £8531.47

If you can add me & give me a number that would be great - looking forward to becoming debt free with you all

Dxxx