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

ZzZzZz30

Fab thread – Although a MSE reader for a good few years now, this will be my first ever thread subscription so it just shows how inspirational it really is!

I’ll join both of your 2012 challenges please

# New member is;

£590.00 / £16, 458.32

&

1lb / 14lbs

HelenPie

ZzZzZz30 wrote: »

Fab thread – Although a MSE reader for a good few years now, this will be my first ever thread subscription so it just shows how inspirational it really is!

I’ll join both of your 2012 challenges please

# New member is;

£590.00 / £16, 458.32
&
1lb / 14lbs

Welcome to the challenge!

eddi

Hello everyone.... could I join the cause please? It's amazing how it focuses you by putting the figures there for all to see. There's some great tips on this thread too.

I worked out that I need to pay off £464.29 (or more if possible) each month to clear everything by Chrimbo this year. It seems silly now that I've been been paying bits here and there and never actually sat down and thought about making a concerted effort to just knuckle down and get it out of the way as soon as possible. I feel quite liberated to be honest

jakes-mum

kerri_dfw wrote: »

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

I was going to bring it down but my worry is that as DH is still working as agency if we have a few weeks of him having no work im going to need that buffer to pay the mortgage

psychopathbabble wrote: »

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!

Think this is a good idea as if I need to use it its stil there, im not brave enough to declare £500 though as id not get over having to take down my total paid :rotfl: so i'll declare £250 and then see where I am in a couple of months to declare a bit more

New total is 016 - £1505.54 / £8806.89 17.09%

antonia1

Afternoon all! Congrats on the party jakes-mum, it sounds like it was worth all the effort. Kerri, I have a sister a bit like that. She's always happy to let my parents pay for EVERYTHING, including a family holiday where mum paid for the cottage, the petrol, the groceries, beach snacks and when we went out for dinner, but sis didn't even bother her backside enough to make a cup of tea the whole week :mad:!

I like the sound of this week's challenge, I was much better with money when I used to take out the cash, so will defo do that. Starting with tonight, when I have a first date with a nice young man. Just going to the pub for a few drinks, and I'm trying not to get too over-excited.

psychopathbabble

Good luck Antonia Hope you enjoy it x

Going for dinner tonight for a friends 30th, but I managed to find a voucher for 2 free drinks when you buy 2 main meals so thats good! Doctor tomorrow is going to cost £70... in a way I want to get signed off again so it's worth getting a second opinion, but I guess it's peace of mind if he does approve my return to work. Good job I sold stuff on ebay, that will just about cover it.

Not doing anything on the weight front as I'm boredom eating, and the only thing to really eat in the house is chocolate! No debt payments yet as I'm waiting for all the ebay stuff to clear, what little I have leftover I'll chuck at the debt. I did want to pay a chunk to MrS for HK flights but there won't be much for that.

January20

Latest update:

# 135 is £303.2 / £1789.16

kerri_dfw

MSE thing I did today was park in Mr T, 5min walk away from the hospital saving me £2 and a bit of exercise for me and my little nephew got to press the button on the crossings

karenann76

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

If you have a costco card triple velvet loo rolls are on offer, 40 for £8.99, thats 22p each.

karenann76

I have sent my OH to the shops with a list...that should save us a few bob! I have recently discovered via our spending diaries that I and the problem not him! Although he is only not spending cos he knows I will be asking him....no more £3 hazelnut lattes for you mate...not on my watch!!!!