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

kerri_dfw

Hello recurrent-ostrich, seriousDFW, hazelc welcome to the challenge

Hazel, I know what you mean, but surely aiming to be debt free so you can have savings that will help if those situations arise is better than fearing it happening? I've managed to save up with my sealed pot and buffer fund enough to pay for my car tax without downgrading my lifestyle. Just having a goal, whether you achieve it, is better than none because as long as you pay off even £1 between now and christmas 2012, that's £1 less than without a goal

suzitiger

savingforarainyday wrote: »

I have decided I should treat all my moneymaking schemes like a job. Ebay is next. I have been huffing and puffing about this for weeks. So if I was doing my propper job and I didn't do it I wouldn't be paid and I have realised that this is just the same:o

So I am on my lunch break:D (1 hour allowed, I still have a further 45 minutes in which I shall put some washing on start dinner and maybe hoover if I have time) Then I am back to work until 4pm

Am I being a little sad in my approach to this:rotfl:

I don't think ur being sad at all, i think this is a very disciplined approach and it is a BLOODY good point to make!! I am always telling myself this and I do it for a while and then get slack again. You are right,right,RIGHT I am inspired by you

Nickyanne123

Hey Everyone!

Im new to this site but I'd love nothing more than to be debt free for next Xmas so could I take part too?

I currently have a total debt of £14,247 Im going to try and pay a little bit this side of Xmas but with 2 small children this time of year kind of takes up every spare penny! As long as my debt doesn't go up then I'll be happy.

How often should I update my total debt? Thanks! Good luck everyone!

hazelc56

kerri_dfw wrote: »

Hello recurrent-ostrich, seriousDFW, hazelc welcome to the challenge

Hazel, I know what you mean, but surely aiming to be debt free so you can have savings that will help if those situations arise is better than fearing it happening? I've managed to save up with my sealed pot and buffer fund enough to pay for my car tax without downgrading my lifestyle. Just having a goal, whether you achieve it, is better than none because as long as you pay off even £1 between now and christmas 2012, that's £1 less than without a goal

Kerry thanks for your reply,I'm sorry i should have also mentioned that i do continually strive to be debt free but it never happens for the reasons i have stated plus i am on the dole..Believe me or not but i actually find it quite exciting and challenging fighting off my debts even though i know they will never be clear.Savings is out of the question as there isnt enough spare to do this, otherwise i would have done so.....been there tried it, didnt work.To be honest I dont and wont beat myself up because of debt.It isnt good for my health.I know my creditors WILL get their money as and when they get it.But then again who can tell,I just might have them all clear by.....................................................hmmm! sometime.I do have the goal at least, I just dont have the goal date and time.

kerri_dfw

hazelc56 wrote: »

Kerry thanks for your reply,I'm sorry i should have also mentioned that i do continually strive to be debt free but it never happens for the reasons i have stated plus i am on the dole..Believe me or not but i actually find it quite exciting and challenging fighting off my debts even though i know they will never be clear.Savings is out of the question as there isnt enough spare to do this, otherwise i would have done so.....been there tried it, didnt work.To be honest I dont and wont beat myself up because of debt.It isnt good for my health.I know my creditors WILL get their money as and when they get it.But then again who can tell,I just might have them all clear by.....................................................hmmm! sometime.I do have the goal at least, I just dont have the goal date and time.

Sorry I didn't mean that to sound so negative, I meant it more in a "come and join in you never know what you might achieve" kind of way

kerri_dfw

Nickyanne123 wrote: »

Hey Everyone!

Im new to this site but I'd love nothing more than to be debt free for next Xmas so could I take part too?

I currently have a total debt of £14,247 Im going to try and pay a little bit this side of Xmas but with 2 small children this time of year kind of takes up every spare penny! As long as my debt doesn't go up then I'll be happy.

How often should I update my total debt? Thanks! Good luck everyone!

Welcome aboard update as often as you like, it's great to see people kicking the total to the kerb and helps encourage others. Why not stick it in your signature if you're feeling brave?:rotfl:

mf0u1098

suzitiger wrote: »

LOVE the fact that we have lurkers who have never posted before in this thread! Lovely to have the honour of the first ever posts on mse with this thread. Just shows how amazing the idea of this thread is. Well done mf0u!!

I know suzitiger, it's very humbling but none of this could have been possible without all the terrific support of you guys. You've made everyone (including me!) feel welcome and part of the team. I have absolutely no doubt that we will all be debt free by xmas 2012 with the support of our team. Thank you xxx

kerri_dfw

My dfw thing of the day.... entered competitions to win a bed from the shop I want to buy my bed from. Fingers crossed I win,then I won't have to actually buy the bed. Alternatively, have decided to take the bed that's currently in my shared house to my new flat... it's not the landlords and the next person to take my room doesn't want it. Or... freecycle for a bed.

Esoog

I got all confused then, I thought I was in the lloyds thread!

mf0u1098

loubie_lou wrote: »

Sold your bed?! :rotfl:

Loubie this really made me laugh!:rotfl::rotfl::rotfl:

Sorry to hear about your phone, main thing is that you're not giving in! Well done girl xxx