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

kerri_dfw

Welcome to new members maltbymaeve, Bad Weather :-)
List of challenges and a few tips/hints post #10 here
This weeks mini-challenge: No buying chocolate or sweets put the money towards debt instead

Mf0u will allocate you a number

idristhedragon

Evening all :wave:
I had a friend round for coffee this afternoon so didnt list any more ebay then I walked up to the shop to get my prescription and treated myself to a trashy mag in the shop (99p) i then had a go at self as I do LOVE a trashy mag BUT we cant give up everything, right? Ive cut my drinking right down, smoke one packet of baccy (small packet) a week, try not to buy clothes etc that I dont need so surely I can have a bit of trash for 99p??? It is really easy to beat ourselevs up and try to deny ourselves EVERYTHING but just not practical IMHO.
I am feeling so in control now and really enthused about getting rid of these STUPID debts. I cannot wait til I can lose the millstone of Vanquis and Cap One. How I despise them both. Imagine, next year having £100 + a month extra. I am going to try and do a PAD- is it literally any tiny amount every day transferred over? Maybe I should go read the thread but its another thing to suck me in lol

RIght- tea- chicken or turkey???

jimmytwoshoes

Hello everyone

Good luck to all of us.

Can anyone give me tips or ideas on how to start focusing on the challenge.

I seem at a loss with it being Christmas. I also have to try to control my spending habits and dont seem to be able to do that.

What a mess

kerri_dfw

Hi Jimmytwoshoes,

List of challenges and a few tips/hints post #10 here
We've got a weekly mini-challenge to keep people focused, I let you know what this is at lunchtime on Mondays and it runs from 1am Tuesday - 12:59 the following Tuesday.

This weeks mini-challenge: No buying chocolate or sweets ,put the money towards debt instead

idristhedragon

Ah bumholes. I just got sucked in by the £80 of Body SHop stuff for £30. HOWEVER I have to make up raffle prizes for Xmas for work and this has saved me LOADS, I have wicker baskets and tissue and just need cellaphane now to make them look proper I also have a teenage daughter with friends with birthdays so always need BS stuff for that. definitely MS in the long run AS LONG as I pay it off next week I have also done myself a tally of what I have spent on CC this week *gulp* to pay off next week before I start tackling the vast majority of the debt 100% in the new year

MaltbyMaeve

kerri_dfw wrote: »

Welcome to new members maltbymaeve, Bad Weather :-)

This weeks mini-challenge: No buying chocolate or sweets put the money towards debt instead

Mf0u will allocate you a number

Thanks kerri_dfw

The mini-challenge sounds like it'll be good for my waistline too!

nannygladys

Please may I join your 2012 challange I need something like this to keep me focused, currently my debt is OD 1400 and CC 800 these are both approx figs but not far out so will you put me down for £2200 please, It looks a lot now I have written it down, oh dear back to basics, good job I have only 3 Xmas pressies left to buy, and as Im going to DD3 for Xmas dinner instead of being the one to cook for everyone at least I can keep in budget. Will keep updating as I pay some off.

nannygladys

PS will be doing mini challange!!!!

lulalolly

OOoo thankyou to both who corrected me, I'm a bit slow with numbers and technology!!!
Had to pop to town today to buy some brown paint for mine and lulu's (dd's) papier mache gingerbread house n guess what....no brown, so i had to get red, green and blue which cost 3 times (obviously lol) unhappy bunny!!!
xx

HelenPie

Hello, can I join in please?

I'm getting married in June so most of our money will go towards that to start with, but June onwards.....let's do this!

My total to pay off probably isn't very realistic, but I will give it my best shot: £15,391.37 :eek:

Helen x