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

psychopathbabble

068 £252.21 / £6,492.82 3.88%

Hope you all had a lovely day yesterday... 2.04 to the cc for me yesterday

sharronej

Dorsetgirl Merry Christmas, it would be wonderful to be totally debt free this time next year but even those of us who don't think we'll quite manage it will be so much further on and motivated after sharing 12 months with our wonderful friends on this board.

Psychobabble WOW! How committed! A Payment on Boxing Day - that's impressive!

We had a lovely day yesterday at my in-laws, I'm so lucky that we get on so well. I had taken what felt like a risk with their presents and had made them both hampers (about £30 each) and was quite nervous but they loved them! My (grown up) children all loved their presents and I felt very virtuous - I'd stayed in budget, resisted the last minute urge to go and buy more plus I managed not to overeat (I'm carb sensitive so it can be tricky at times).

Today is my turn so it's a party tonight (which I did go over budget on unfortunately but never mind it was only by £50), so it's cleaning and tidying this morning and cooking this afternoon :A

One question though - I have been given some money plus some vouchers -Amazon, Love to Shop and M&S also I have £45.00 in points at Boots plus I've earned £15 on SBs. I'm really tempted to hit the sales and buy Christmas presents for next year with them? If I do this though I will have to lie to my family because they will go mad if they find out. What would you do?

My debt is going to go up in January because there're a couple of big spends that are needs rather than wants I have organised a 15 month 0% free card for purchases and will hopefully be able to make up the extra payments over the year.

Welcome to our newcomers....you're in the right place to kick some serious debt busting butt :T

psychopathbabble

When you say they will go mad in what respect do you mean? That you are spending your gifts on them?

I actually made the payment yesterday.... it is quiet on christmas day at ours

jakes-mum

SHarronj this is exactly what I do! I always start my christmas shopping in the january sales, if your worried about the spending christmas present money on presents for others write down how much you are spending of your presents and then take £10 out of your bank each month until you've got it back. That way your getting your presents cheap and also spreading the cost

Happy boxing day all, hope you had a lovely day yesterday, we did Went to mum and dads and had a fabulous chicken dinner and came home with 3 days worth of food that my mother had made but they wont eat :rotfl: Kids are currently on their way to their aunties and im feeling a little bit lost to be honest so used to my shadow that I cant deal with her not being there

Want to go to the sales as its DD's 4th birthday on 16th Jan and while shes not here is the best time to go get her gifts but DH was unwell last night, too much rich food I think bless him so it looks like a day watching tv for us . . . maybe tomorrow

sharronej

psychopathbabble wrote: »

When you say they will go mad in what respect do you mean? That you are spending your gifts on them?

I find it very difficult to spend money on myself and it frustrates and upsets my family.

jakes-mum wrote: »

SHarronj this is exactly what I do! I always start my christmas shopping in the january sales, if your worried about the spending christmas present money on presents for others write down how much you are spending of your presents and then take £10 out of your bank each month until you've got it back. That way your getting your presents cheap and also spreading the cost

That's such a good idea - I can put the money into an account and save it up for something I do want instead of having bits of money to spend in all different shops...although I do want a black cardigan so perhaps I'll keep an eye out for one of those :j

Have a great day everyone xx

parsniphead

Afternoon Everyone

I hope you all had a nice day yesterday. I got £40 so I have put that towards paying off some more debt. I have tried to write down all the money presents I have spent on debts and bills over the years so when I'm debt free I can pay myself back but to be honest have lost count. So my total up to today is

#103 £514/19000 - 2.70%

Keep plugging away.:)

rictus123

Hope everyone has had a wonderful few days over xmas and not let debts keep them down....as remember this could well be our last ever Christmas with debt hanging over our heads! I find mortgage debt acceptable but any other is not! Roll on next Xmas itl be the best one yet. No debt, my own money in the bank and the start of my little property empire, bring it on! Can see me being on this thread every single day between now and next xmas,the support is something else! 13,500 is alot more than most yet there is some insperational people going for more! Never in my life have I been so motivated to do something!

dizzybee

Happy Boxing day everyone not posted in a while but i hope you all had a lovely Christmas,
it was quite here just me and the two teenagers,
This debt busting is additive to the point that i checket my on line bank account on Christmas eve and decided to pay what was in on clearing my Jacamo account £40 and paid £50 to the catalog. now i find i want to pay some more but have no more spare cash till pay day on fri.

gemred_21

Happy Boxing day everyone,I hope you all had a lovely Christmas yesterday. I'm staying in today and resisting the urge to go sale shopping, although I did spend £80 in the next sale online but got £100 in next vouchers for Christmas so will be paying that off ASAP.

Well done everyone on all your payments especially on Christmas Eve and Day, I'm very much looking forward to reading this thread this time next year :-)

Have a lovely day everyone and enjoy the Christmas break :-)

andrinaperry

Put me down for 2795 plus interest