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

DorsetGirl_2

Skintbint wrote: »

Hi all, hope it's okay to join in. I would like to clear my debt by the end of 2012. I have an overdraft that is forever growing out of control and currently owe about 1500. I have previously been in debt but paid off that debt of £7000, so I know I can do it, It's just that now I live on a fraction of what I did when I had my previous debt to pay off and each month it's getting harder.

I am a real old styler and eons ago was a member of MSE and participated in the OS forum so I am well practiced in frugal living, but there is still more I can do, to be sure.

Even though 1500 might not seem much to some people,it's crippling me financially, as are the fees, and I want to finally be debt free by the end of 2012.

Hope you don't mind me joining in

Welcome aboard - mf0u will be along later to give you your number. Happy debtbusting

Superheavy

Good Morning folks... one more week and we will be into our one year to go period. Between payday and a loan payment, I'm still hopeful to get more paid off before the big day for 2011.

I've still got a full week's work ending at 3pm on Xmas Eve, so no mulled wine for me yet. I will be making sure that there is a tipple or two in the cupboard by then though.

Happy Christmas debt-busting!

sam09_2

mf0u1098 wrote: »

eeek I feel even worse now as 1) I only have to look after myself (I have no idea how you parents cope at all!) and 2) the dvds I have are called the 10 minute workouts so you can either just do 10mins or all 5 sections for 50mins or a mixture of whatever you want... Oh dear, I feel bloomin awful now that I'm soooo lazy! :eek:

Haha sorry didnt mean to make you feel worse!! Any sort of exercise is good in my opinion!

Raspberrysauce

Hi, could I please join this challenge, I currently owe about £10,800 not sure of the exact figure yet but will update as soon as all my monthly statements are in for the month.

Setting up a new bank account so that I can finally pay off my overdraft, so hopefully things will start to pick up soon. Snowball calculator says DFD will be December 2014 but I am determined to clear it all before then.

kerri_dfw

Whoever stole my voice with razorblades please may I have it back? Both myself and the OH are poorly no debt busting today, but going to hopefully put the curtains back up that fell down. Gotta kick him out of bed soon as need to move car by 10am. I feel soooo poorly today
Have got a lovely weekly challenge that everyone can take part in from tomorrow and it's easy, even jakes-mum should manage it

jakes-mum

kerri_dfw wrote: »

Whoever stole my voice with razorblades please may I have it back? Both myself and the OH are poorly no debt busting today, but going to hopefully put the curtains back up that fell down. Gotta kick him out of bed soon as need to move car by 10am. I feel soooo poorly today
Have got a lovely weekly challenge that everyone can take part in from tomorrow and it's easy, even jakes-mum should manage it

aww bless you kerri I was like that yesterday, am not so bad today, but have made an appointment with the doctor . . . after spending 10 minutes justifying my need to the receptionist! WOrst thing is the left side of my face is numb not sure what thats all about

mf0u1098

Skintbint wrote: »

Hi all, hope it's okay to join in. I would like to clear my debt by the end of 2012. I have an overdraft that is forever growing out of control and currently owe about 1500. I have previously been in debt but paid off that debt of £7000, so I know I can do it, It's just that now I live on a fraction of what I did when I had my previous debt to pay off and each month it's getting harder.

I am a real old styler and eons ago was a member of MSE and participated in the OS forum so I am well practiced in frugal living, but there is still more I can do, to be sure.

Even though 1500 might not seem much to some people,it's crippling me financially, as are the fees, and I want to finally be debt free by the end of 2012.

Hope you don't mind me joining in

Everyone has different circumstances Skintbint but we're all on here because our debt is crippling us no matter the amount. Happy to have you on the team :j Sounds like you may have some brilliant tips on how to clear this debt... :T

Raspberrysauce wrote: »

Hi, could I please join this challenge, I currently owe about £10,800 not sure of the exact figure yet but will update as soon as all my monthly statements are in for the month.

Setting up a new bank account so that I can finally pay off my overdraft, so hopefully things will start to pick up soon. Snowball calculator says DFD will be December 2014 but I am determined to clear it all before then.

Sounds brilliant, welcome to the team! :j Any ideas on how you're going to clear the debt...? I'm always looking for new ideas! :rotfl:

sam09_2

Get well soon Kerri_dfw and Jakes-mum! Hope you both feel better soon, this time of year is terrible for illnesses. I recently got over a chest infection, it was awful!

On the money front, I have cancelled my oil dd as i have a full tank and will set up an interest saving account and save monthly instead. I can then ring around for better prices and save a bit that way. The best thing about it though is that i will get a cheque of £110.15 to be refunded to me:) Which will of course go off my tesco credit card. Yay!
Off to write my uniform tax relief letter now, will get back nearly 5 years backdated! So that will be lovely when that comes through

mf0u1098

kerri_dfw wrote: »

Whoever stole my voice with razorblades please may I have it back? Both myself and the OH are poorly no debt busting today, but going to hopefully put the curtains back up that fell down. Gotta kick him out of bed soon as need to move car by 10am. I feel soooo poorly today
Have got a lovely weekly challenge that everyone can take part in from tomorrow and it's easy, even jakes-mum should manage it

jakes-mum wrote: »

aww bless you kerri I was like that yesterday, am not so bad today, but have made an appointment with the doctor . . . after spending 10 minutes justifying my need to the receptionist! WOrst thing is the left side of my face is numb not sure what thats all about

Hope you both get better soon, you sound like you're in a lot of pain so I'm sending you lots of hugs :A

p.s. I'm intrigued by the new weekly challenge Kerri, I can't wait to find out what it is!

Please get lots of rest and Jakes-mum, please let us know how you get on at the doctors xxx

DorsetGirl_2

kerri_dfw wrote: »

Whoever stole my voice with razorblades please may I have it back? Both myself and the OH are poorly no debt busting today, but going to hopefully put the curtains back up that fell down. Gotta kick him out of bed soon as need to move car by 10am. I feel soooo poorly today
Have got a lovely weekly challenge that everyone can take part in from tomorrow and it's easy, even jakes-mum should manage it

Hope you feel better soon, or at least in time for Christmas