The "Pay ALL your debt off by Xmas 2012" challenge - PART 2!!!

jakes-mum

Hellooooooooooooooooo df'ers

well its taken 2 hours for lily to open all her presents :eek: thats not including the 20 minute breakfast break I called an hour and a half in :rotfl:shes now playing with both of the tea sets she got (a lovely porcelein one from her gran and a barbie one from one of her nursery friends) shes still in her PJ's as . . well. . . its her birthday :rotfl:

Her auntie bought her a sing along CD player and she opened it and spent a good few minutes admiring the pack of batteries before realising the HUGE CD player was in there :rotfl: Ive got about 50 pictures of her opening everything as daddy was off to work at 5am again so has missed it all I dont think he'll be home again till 4 - 5pm either so im hoping he's not too shattered that he falls asleep on the sofa as soon as he walks in the door. Jake didnt want to go to school today as he didnt want to miss all the present opening so I know he was late today :rotfl:

I now get to spend the day reading the ton of books shes got, to her :eek: lucky me! :rotfl:

P.s. Still havent decided if I should add my overdraft reduction to my total. Someone tell me what to doooooooo!!!

kerri_dfw

Ooh whilst I think about it, I've managed to lose the 3lbs I put on at Christmas Now I just need to tone my thighs so my jeans fit over my hips again *sniggers*

Jakes-mum, call the bank, get them to take the OD down to take away temptation, then take off the OD amount

psychopathbabble

jakes-mum wrote: »

Hellooooooooooooooooo df'ers

well its taken 2 hours for lily to open all her presents :eek: thats not including the 20 minute breakfast break I called an hour and a half in :rotfl:shes now playing with both of the tea sets she got (a lovely porcelein one from her gran and a barbie one from one of her nursery friends) shes still in her PJ's as . . well. . . its her birthday :rotfl:

Her auntie bought her a sing along CD player and she opened it and spent a good few minutes admiring the pack of batteries before realising the HUGE CD player was in there :rotfl: Ive got about 50 pictures of her opening everything as daddy was off to work at 5am again so has missed it all I dont think he'll be home again till 4 - 5pm either so im hoping he's not too shattered that he falls asleep on the sofa as soon as he walks in the door. Jake didnt want to go to school today as he didnt want to miss all the present opening so I know he was late today :rotfl:

I now get to spend the day reading the ton of books shes got, to her :eek: lucky me! :rotfl:

P.s. Still havent decided if I should add my overdraft reduction to my total. Someone tell me what to doooooooo!!!

I wish I was 4 again!

Re the overdraft, I'd declare £500 of it, then you have £100 'spare' to play with if you needed it. Hope that helps Enjoy reading all those lovely books!

mum_of_3_boys

I should have took cash for my shopping yesterday.I had my budget list and felt proud of myself.However my hubby had other ideas and went off with a second medium trolley.He left me to pay for it all at the end.So my lot will have to live with what we have got till payday at end of month.

My sons need to stop growing. I have to buy 6 polo shirts and 4 jumpers this week at 100 pound.
It is very difficult to budget when there is not a lot to cut back on.
Anyway I got a 700 pound refund for a chair i had. i wanted to put it toward the c.c..However my hubby took 100 he said id owed him. ive had to use it toward the extra shopping and the childcare.So i managed to retrieve 150 pound from it.

286 150 /10700

Havent found how to do colours yet.

kerri_dfw

Just cancelled this weeks veg box as I have plenty of beans, tinned toms, and herbs to live off for next week. Next week will be pasta week.
So have paid the extra £15 off freemans...

#005 £1632.50/£5030

Shellgsxr

Morning Everyone
My update for this week is
#36 £1301.50/£6157.85
No weightloss this week as I was a bit naughty on the plus side though I haven't gained any lbs so it's all good
Great thread everyone I look forward to reading it everyday it keeps my mind on the debtbusting I know I would have definately given up by now, so thanks everyone xx
Thanks Jemma for updating xx

Mrs_Addicted_to_Spending

Hello. Re this week's paying by cash challenge - I started doing this a few weeks back and find it really useful as it's easier to track how much you've got left and tailor your spending to that. What I do with my main food shop to avoid the panicking at the till that I haven't got enough is to get to know the approximate prices of things I regularly buy and make a menu plan and list of what I need for the week, then roughly price out how much it's going to cost. That way, if the meals are more than my budget, I can change them to something cheaper before I go. Also you can see whether the actual cost of items is right as you are going round the supermarket to give you a rough idea if you are going to go over the amount you thought it would be - before you get to the till. When I'm pricing out the meals and other expenses, I make sure I'm going to have enough left over for perishables that I need to get during the week. I wish I'd done this years ago .

HelenPie

Still no more payments but....I did find e wedding dress that I like even more for over £1300 less than the one I had found!! Back within my wedding budget and a very happy bunny! :j:j

I just need to fit into it now....Can you put me down on the weight loss record too as a bit of motivation?

so #77 at 9/63lb Hopefully at will get to at least 42lbs by the wedding in June

kerri_dfw

If anyone is second-pursing... Lidl Cushelle (was charmin) bog roll is £6.99 for 24 rolls, works out about 29p a roll

choclover

kerri_dfw wrote: »

If anyone is second-pursing... Lidl Cushelle (was charmin) bog roll is £6.99 for 24 rolls, works out about 29p a roll

Wow! that's a good deal, it's a shame I bought some yesterday