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

irishnini

mf0u1098 wrote: »

Welcome irishnini!!! :j Happy to have you on the team, I'll add your name and amount (in €) onto the 2nd post. Have you got any ideas about how you are going to pay off your debt? Always looking for new ideas! xxx

Thanks a mill, feel very welcome!! I've been overpaying for the last while so I'm gonna keep on with that...
I did a carboot a couple of weeks ago, so I'm gonna do another few armed with the main things customers seemed to want! My mother has agreed that I can sell anything in her attic - it's packed with gems that I'll try eBay or put on donedeal.

After that I reckon it'll be tightening the belts- only done with being a student so I'm used to living on very little which is lucky! I don't know if I can pay the lot off but I'll give it a good bash!!

louisa_84

rubywhatashmoo wrote: »

That is amazing work on your meal planning!! I am always so surprised by how cheap my shopping is when I only buy things I need rather than wandering round the supermarket chucking everything I fancy in my trolley I can't believe they can't ake a payment from you though!! How useless is that! They should just let you off the whole thing seen as it's their problem you can't pay :rotfl:

i am the worlds worst food shopper!!! For years in my teens i lived of cereal alone, and now i have like a phobia of empty cupboards loooool, plus im a sucker for offers, promotional "new" stuff, i let my kids fill the trolly with stuff we dont need, and my df is nearly as bad as the kids too, AND, i always do the shop, before lunch on sunday, when im hungry, and everything looks appealing. I know exactly where im going wrong atleast :rotfl:

My youngest starts nursery in jan :T:T:T:T:T:T:T:T:T so i plan to then do the shopping, without help from anyone, in peace, after lunch, armed with a list!

mf0u1098

irishnini wrote: »

Thanks a mill, feel very welcome!! I've been overpaying for the last while so I'm gonna keep on with that...
I did a carboot a couple of weeks ago, so I'm gonna do another few armed with the main things customers seemed to want! My mother has agreed that I can sell anything in her attic - it's packed with gems that I'll try eBay or put on donedeal.

After that I reckon it'll be tightening the belts- only done with being a student so I'm used to living on very little which is lucky! I don't know if I can pay the lot off but I'll give it a good bash!!

Sounds brill irishnini :j, I know exactly what you mean about being a student and living on little...!

mf0u1098

Ooooh i wonder who's going to be our 100th member???

I can't believe we've got here so fast. This is an amazing team :j:j:jxxx

mf0u1098

louisa_84 wrote: »

i am the worlds worst food shopper!!! For years in my teens i lived of cereal alone, and now i have like a phobia of empty cupboards loooool, plus im a sucker for offers, promotional "new" stuff, i let my kids fill the trolly with stuff we dont need, and my df is nearly as bad as the kids too, AND, i always do the shop, before lunch on sunday, when im hungry, and everything looks appealing. I know exactly where im going wrong atleast :rotfl:

My youngest starts nursery in jan :T:T:T:T:T:T:T:T:T so i plan to then do the shopping, without help from anyone, in peace, after lunch, armed with a list!

Awww louisa, like you say, at least you know where you're going wrong which is the first step. I'm sure you can sort this once your lil one goes to nursery hun xxx

utopiah

hi all
first payment of £25 for me!!

SEASHELL

I joined the challenge a few days ago and since then I've had to realise how bad my debts actually are been sitting in a corner ever since,crying my eyes out have given myself the biggest kick in the backside though and hope I can start to make inroads into what I owe. I was going to pull out of the challenge but I've decided I need to aim big and hope you'll all give me the kick I need .Off to bed now but tomorrow will be the first step in my DFW journey ,night all xxx

suzitiger

OOOOH I Know MF0u, its so exciting. I wish I could post on here more often but I work loads atm, so I can pay off more debt tho :T I have some payments coming out tomorrow for £20 in total but i need to work out how much of that is interest before I update.

I have been busy catching up with everything after my weekend at my friends and its taken me about an hour....:lovethougwell worth it though because it has made me so happy hearning what you have all been up to.

Kerrydfw I missed ur challenge on tues but I will join next week, i waste lots of money this way but it HAS got better with my NSDs, I LOVE the idea of the virtual sealed pot challenge so I'm going to start doing this as soon as I have sorted out what needs to be in there for my bills.
Oh, and I have been practising my best NSD stare for you.... haha lol

Iamtheoneandonoly This is AMAZING news about ur PPI, well done! Ironic that a payment protection plan has now cancelled out ur debt!! :j

Everyone else I have read EVERY post but I can't reply about everything thats been going on. Well done everyone who has made payments/joined the thread/had fleabay success or other success this week. :beer:

suzitiger

Seashell please don't feel bad or u will owe ur sorry jar alot of money you are on this thread and ready to go, and that means alot. We will all help you do this!! as Rafiki would say:
'it is all in the past, the past can hurt, but you learn from it'

mf0u1098

SEASHELL wrote: »

I joined the challenge a few days ago and since then I've had to realise how bad my debts actually are been sitting in a corner ever since,crying my eyes out have given myself the biggest kick in the backside though and hope I can start to make inroads into what I owe. I was going to pull out of the challenge but I've decided I need to aim big and hope you'll all give me the kick I need .Off to bed now but tomorrow will be the first step in my DFW journey ,night all xxx

Aaaawww SEASHELL, you don't need a kick up the backside, you just need the biggest hug ever so here you are:

*HUG!!!!!!!!!*
This is hard but you've done the best thing by not running from it and burying your head in the sand. Instead you have come out fighting and I know you can do this. Trust me, it does get easier especially with all of us here to help and support you along the way. Don't give up instead get mad and kick that debt booty!!! The mini challenges should make it fun as well. If you've got any questions or just want to talk then please just post again and we'll help xxx