Time to get organised and get on with it!

minii

Thank you! I can't wait to have a job again. All I've done for the past week is calculate and recalculate my debt and budget and soa... It starts to drive you crazy after a while. Back on the MSE wagon though, and looking fierce Haha. Good luck to you & jwil on this (and anyone else who joins us) !

jwil

minii wrote: »

If I follow correctly... pay off one debt in March by raising extra funds/doing overtime/etc?
If so, I'm in.
I've already cleared one of them this morning
But I'd really like to tackle the Mastercard next, so I aim to get an extra £150 cleared off the balance by the end of this month minimum. If I get the job that I'm hoping for, then I aim for £250 instead.

Yay, good to have you on board too.

Well done on clearing a debt though, fantastic :j:j

Good luck with the job too

jwil

DedicatedDFW wrote: »

Mwahhhahhhahhh!

:think: ever thought of a new career [STRIKE]Miss Whiplash[/STRIKE] DDFW? :rotfl:

jwil

DedicatedDFW wrote: »

Good to have you on board too minii And huge congratulations on clearing a debt in full :T:T:T

I had very little sleep last night and have been sat with a calculator and bank account for most of the morning - then going away and coming back to it in an attempt not to make a mistake. Now thats out of the way i can focus on here a bit - but i have to go out for a few hours So sorry if this is a bit fuzzy.

Minii - alot of that is right but i don't want it to be too big a pressure for everyone to clear 1 full debt although if you can that is the ultimate aim and is fantastic :j:j:j- the £2577 in my sig is an overwhelming amount - almost 3times my salary! So i'm commiting to paying that down by £1000 this month. Broken down into manageable 20 x £50 amounts. So i already pay £100 to it as a minimum payment each month so thats 2 of the £50 sorted out straight away. This is just an example to show we're all off the mark already as we'll all be paying the minimum payments anyway

Its a challenge to also encourage us to share ideas on how we make / save / stretch our money too

So i'll pop you down for £150 target and i really have to go out now but what i'll do when i'm back is jot down what i have done today towards making this happen.

I have paid target 1 off today - except for the rotten interest that i'm waiting to hear back on then i'll close the account. As usual i don't feel great about clearing it - but maybe because its not fully paid off as yet? Or maybe because i cleared the balance once before but needed to use it for the new boiler

Well done on clearing Target 1 :T:T:T:T I guess it's always going to be a bit of an anticlimax, but I'm sure you'll feel better soon.

You can pop me down for £1k, who knows if I'll get anywhere near that I don't have a minimum payment for mine, but I did pay something yesterday, so I'll count that.

Have a good afternoon!

jwil

minii wrote: »

Thank you! I can't wait to have a job again. All I've done for the past week is calculate and recalculate my debt and budget and soa... It starts to drive you crazy after a while. Back on the MSE wagon though, and looking fierce Haha. Good luck to you & jwil on this (and anyone else who joins us) !

It does drive you mad after a while, though also can be strangely addictive!

Good luck to us all :j

jwil

Right everyone, I've been mopey moperson for the last few days and have been really down about everything for some reason .

I've decided that I'm going to take a couple of days off from everything, and then will get back to it with a vengeance.

That doesn't mean I'm not going to do *anything*, but I will only do it if I feel like it, and if it's not a chore. Just going to have a few days to myself.

I'll still be around, but just going to relax and get my debtbusting mojo back

peaceandfreedom

jwil wrote: »

Right everyone, I've been mopey moperson for the last few days and have been really down about everything for some reason .

I've decided that I'm going to take a couple of days off from everything, and then will get back to it with a vengeance.

That doesn't mean I'm not going to do *anything*, but I will only do it if I feel like it, and if it's not a chore. Just going to have a few days to myself.

I'll still be around, but just going to relax and get my debtbusting mojo back

Good idea, have a lovely couple of days off from debtbusting. :j

Sometimes you just need a break from it all to recharge the batteries and get your enthusiasm back. And you haven't been feeling well lately, so your body is telling you to take a break.

Have a great time, Jwil. :beer:

peaceandfreedom

DedicatedDFW wrote: »

If you'd like to join me just pop a post on and i will do updates too - i've not jotted down more ideas because this is a lengthy post (sorry jwil) but i will be back with more


So you get the idea Hope some of you will join me

I'll give it a go! :j

I already direct my debt-busting at one target - currently the Cap1 Credit card in my sig. As there is 896 left on that, I'll put that down as my target for March but I can tell you that barring miracles, there is not much chance of me achieving it. Still, any extra repayments will help and I LOVE the idea of breaking it down into little chunks.

I'm going to have a think about different money-raising chunks but meanwhile, count me in, DDFW.

ebayqueen_2

H Jwil

Haven't been on for a couple of days due to car problems...grrrrr...ah well it will get sorted. Glad to hear that you are taking a break. You need that as its impossible to keep thinking money constantly. Makes you ill if you are not careful. Enjoy the break.:)

jwil

peaceandfreedom wrote: »

I'll give it a go! :j

I already direct my debt-busting at one target - currently the Cap1 Credit card in my sig. As there is 896 left on that, I'll put that down as my target for March but I can tell you that barring miracles, there is not much chance of me achieving it. Still, any extra repayments will help and I LOVE the idea of breaking it down into little chunks.

I'm going to have a think about different money-raising chunks but meanwhile, count me in, DDFW.

Yay, another challenger :T

ebayqueen wrote: »

H Jwil

Haven't been on for a couple of days due to car problems...grrrrr...ah well it will get sorted. Glad to hear that you are taking a break. You need that as its impossible to keep thinking money constantly. Makes you ill if you are not careful. Enjoy the break.:)

Sorry to hear about the car troubles ebayqueen, so frustrating :mad:

Hope all is well otherwise