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

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  • Blimey I completely missed all the Blind Date stuff going on last night while I was ironing! Seen as I'm getting married in just over 37 weeks though I don't think it matters too much :rotfl:

    This afternoon I am going to look into Zapper - never heard of it before everyone on here started saying how much they were getting for sending stuff off, so will sort that as soon as the cat gets off my shins and I can move again! :cool:
  • HelenPie
    HelenPie Posts: 502 Forumite
    Does anyone use soapnuts? I've just discovered them on a thread and they sound good. Just wondered if any of you have experience? Might get a sample when I get my next paypal payment.

    I've tried them recently (sample from inasoapnutshell) and think they are good. Not sure I would use them on more heavily soiled items but good for day-to-day stuff and towels, etc.
    :j
    Debt Free By Xmas 2013 #010 £16,660.26/£16,660.26 100% paid, DFD 25/06/13! :D
    :j
  • mf0u1098
    mf0u1098 Posts: 1,595 Forumite
    1,000 Posts Combo Breaker
    Great, after a week full of meetings I now have one tomorrow morning and another one on Friday morning at 8am just before my usual 3hour meeting with our customer! Think I will be having a drink on Friday!!!

    Someone please please please give me a kick up the rear to get back on the treadmill tonight, or do Pilates. Not really fussed which but I lost my motivation a few weeks ago so it's doubly hard to get going again...
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595 Forumite
    1,000 Posts Combo Breaker
    HelenPie wrote: »
    I've tried them recently (sample from inasoapnutshell) and think they are good. Not sure I would use them on more heavily soiled items but good for day-to-day stuff and towels, etc.


    Shows how domesticated I am, I thought they were for the bath!!! :rotfl::rotfl::rotfl:
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Does anyone know if there's a challenge thread for budgeting annual expenses? car tax/insurance, birthdays, etc.... wondering if there is so I can join it, or if not I might start one. I can't find one on search.
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • PedroMatias
    PedroMatias Posts: 259 Forumite
    Part of the Furniture 100 Posts
    edited 18 January 2012 at 4:56PM
    I thought I'd get in on the mugshot action. And I agree, it is a very nice pic, Jem! :o

    I'm off on holiday for a week from tomorrow, but while I'm away a few payments are coming out. I won't be making any overpayments this month, but I'll still be less in debt at the end of it. Slow progress, February is where it all kicks off again :)
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    I thought I'd get in on the mugshot action. And I agree, it is a very nice pic, Jem! :o
    Oooh *runs off to get her hat again* :rotfl::rotfl::rotfl:
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • HelenPie
    HelenPie Posts: 502 Forumite
    kerri_dfw wrote: »
    Does anyone know if there's a challenge thread for budgeting annual expenses? car tax/insurance, birthdays, etc.... wondering if there is so I can join it, or if not I might start one. I can't find one on search.

    The Frugal Living Challenge might fit the bill - it's about pretty much every expense that you can realistically control, so includes insurances, groceries, gifts, etc. but I think generally people customise what is/isn't included and their budgets to suit their own preferences/circumstances. Sorry I don't have a link but I hope that might help

    H x
    :j
    Debt Free By Xmas 2013 #010 £16,660.26/£16,660.26 100% paid, DFD 25/06/13! :D
    :j
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    HelenPie wrote: »
    The Frugal Living Challenge might fit the bill - it's about pretty much every expense that you can realistically control, so includes insurances, groceries, gifts, etc. but I think generally people customise what is/isn't included and their budgets to suit their own preferences/circumstances. Sorry I don't have a link but I hope that might help

    H x
    That's what I'm after :) it'll fit in well with my spreadsheet. Thank you x
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • Just a little payment today . I won't be able to over pay much this month, just had to pay £350 for someone to assess my little boy for dyslexia. After two years of fighting the school and pleading for help they are still dragging their heels with the usual excuses 'we don't like to label' 'boys are slower' etc etc. So after another night of him crying that he is stupid and why is he still on baby books etc etc, I have booked him to see a specialist.

    Sorry little rant there, it just slipped out. :o

    I am dyslexic and wasn't diagnosed till last year, AT 34!!!!!! Its terrible that you are having to pay for it yourself but if it means that your son will get the support he needs it will be money well spent. If only for his self esteem. It made me realise that a lot of my 'quirks' are dyslexia related and that made me feel much better.

    Have you contacted your Education Auth or have you just been through the school?

    :( Trying hard...failing miserably :(
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