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

strawberryR

mf0u1098 wrote: »

I know it's not really been an MSE day today but I just have to tell you about the amazing toys I bought for my friend out in Afghan! He's serving in the Army and I decided to buy him a childs air hockey table, big connect 4 and snakes and ladders!!! It'll cost a lot in postage but he's such a great friend and deserves to have a bit of fun out there in between putting his life at risk.

Glad to hear such great stories of debt busting and I think I'll be quite busy tomorrow since it is payday for quite a few of you! I'm so excited to see your totals paid off go up!!!! xxx

I agree with you anyone who is in the Army deserves a bit a fun! :A

strawberryR

Ok just had a blonde moment and wondered what the red and green spots were on peoples post. Then realised its who is on!!! LOL

psychopathbabble

kerri_dfw wrote: »

Has he just had his tonsils out? I had exactly the same thing a week after mine, poor thing I know how scary it is. I made my housemate drive me to the hospital whilst I spat blood into the washing up bowl. Mine was because I'd picked up an infection so the wound opened up again. Grrr. Hope he's better soon x

Yes he had them out on Monday, the surgeon was very surprised as apparently it normally happens within 24 hours or after a week... he should be coming home tomorrow but then I think him and his mum will lock horns over her taking him back home... I'm not in her good books as I've said there will be people here to watch him when I go to work and let's just see how he feels once he has got through tonight as he freaking out about it happening again but I'm just really unconvinced that a train journey is the best idea when he has had so much trauma to the area.

Anyway... well done to everyone who has paid off something today

strawberry... that made me laugh! x

strawberryR

Glad I could make you smile psychopathbabble! We all need a giggle now and then!

Jan2011

HelenPie wrote: »

Jan2011 I wanted so say a special hello to you, as I was in your position at your age, after being very bad with my finances before, during and after uni. I'm not even very good now but have managed to reduce my debts from about £22k when I was 22 years old down to about £16k now, and I've bought a house with my OH during that time.

£6k in 6 years (28 now ) may not sound like a lot but I'm certainly more in control of my finances than ever before. And, as I mentioned, I haven't even been very good at making the effort to clear them and/or curb my spending. (Though hopefully that will change )

Set yourself small targets and see what you can do. I think you'll be surprised. You've done the best thing (and the hardest) by taking a proper look at your situation, seeing that terrifying total, and deciding to deal with it. Remember that that figure will only get better from here on.

Helen x

Hiya Helen, Thank you for sharing that with me. I really do need to get rid of my debt, at the moment I feel asif I'm loosing money.
I privately rent my house on my own, which to me, I’m losing money I really don’t have and it could be going towards my own house.
I have been putting every bit of change into a tin, which is nearly full!!! :j I will then pay it towards a debt. I really want to pay some more off my debts LIKE NOW!! but i need to check whats going to be coming out my bank first for bill.
I'm also trying to get extra income coming in and need to sort my house out and sell a lot of things :eek: ( im a bit of a hoarder).
So is it possible to get a mortgage with debt? ( not that I'm going to run out and get one lol)
Jan

psychopathbabble

Jan2011 wrote: »

Hiya Helen, Thank you for sharing that with me. I really do need to get rid of my debt, at the moment I feel asif I'm loosing money.
I privately rent my house on my own, which to me, I’m losing money I really don’t have and it could be going towards my own house.
I have been putting every bit of change into a tin, which is nearly full!!! :j I will then pay it towards a debt. I really want to pay some more off my debts LIKE NOW!! but i need to check whats going to be coming out my bank first for bill.
I'm also trying to get extra income coming in and need to sort my house out and sell a lot of things :eek: ( im a bit of a hoarder).
So is it possible to get a mortgage with debt? ( not that I'm going to run out and get one lol)
Jan

Have you filled out a statement of affairs? It really helps you to take a proper look at what everything is costing you If you are feeling really brave you can then post it on the DFW forum and other members can help you reduce the outgoings... if you aren't feeling brave, you can just keep it for your own reference and as a tool to get your figures together x

http://www.makesenseofcards.com/soacalc.html

strawberryR

psychopathbabble wrote: »

Have you filled out a statement of affairs? It really helps you to take a proper look at what everything is costing you If you are feeling really brave you can then post it on the DFW forum and other members can help you reduce the outgoings... if you aren't feeling brave, you can just keep it for your own reference and as a tool to get your figures together x

http://www.makesenseofcards.com/soacalc.html

That seems like a good idea, guess what I will be doing!

suzitiger

Hi guys, yeah wow this thread is so busy, I was on this morning and I've just spent 10mins catching up aswell. I am very excited for payday too, and this time its not because I'm thinking about what I can spend my money on its because I want to start getting this debt shifted!!

Just wanted to say:-
Iristhedragon I have put my debts into order of highest interest being paid on them so that I clear the ones that are costing me the most first. I am looking forward to calling them tomorrow to make my first payments since joining this thread
Forgottondreams Exactly the same!! I am so excited about this and its THIS thread and everyone in it that has made me feel this way about it
Fairyface sorry to hear about your mouldy draws, what a totally rubbish thing to happen!! Make sure you get that reducded rent and the damp sorted out, threaten with small claims court if nothing is done!! Sorry about ur lovely things
Psychopathbabble ooh sorry to hear about ur late night dramas, I hope everything is well now

suzitiger

Oh and Jan2011, I am a serial hoarder too, trying to downsize my collection of cr*ap at them mo and so far going ok any help we can give each other on here would be great

mf0u1098

moneymakestheworldgoround wrote: »

Oh poop.

I really want to join this so thought I would tot up the debts. I thought 9,000 or possible 10,500 at the worst. However, it totals

£22,759.09

I had a nervous breakdown, changed calculators, mentally beat myself up and now I am here to reveal all and get a grip. My 15 mins of feeling sorry for myself has been and gone and now I need to make amends.

Here goes to a hard but rewarding 2012.

Fantastic moneymakestheworldgoround :j, great to have you on the team and well done for only freaking out for 15 mins!!! I'll add your name and amount to the 2nd post xxx