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

catmort

I didn't realise I had a direct debit set up on my new Virgin 0% credit card (which I have recently transferred all my debt on to) so I have accidentally paid an extra 77.35 to my credit card today! Hopefully I'll still have enough money to see me through to payday!

So my new total is:

#281 £458.66 /£7,735.45
:j

Thanks to this forum, I'm going to start only paying the minimum amount back to the credit card and make overpayments into my ISA instead so that I can use the interest to pay the debt off sooner (all within the 0% timeframe of course, otherwise it defeats the purpose). I'm so glad this site showed me how to lift the burden of my debt from paying off my Career Development loan over 4 years with Barclays to hopefully clearing it in under 2, thus saving tons of interest payments! :j

jakes-mum

Helloooooooooooooo DF by Xmasers :wave:

Oooo I did like my post today got £50 in love2shop vouchers from Np*wer for switching my gas and electric (even though I switched back a month later was supposed to be £100 but I forgot to send them my meter reading, so sent it today and got my fingers crossed I might get another surprise in the post ) and £83 rebate for my electric from Scottish P*wer :j :j they did write the cheque out to KMC instead or K & C, but I explained to my bank and they accepted it

Jake came home from scouts last night with this years activities list, theres 5 weekend trips and a week camp in scotland :eek: :eek: I never been to scotland . . hate to think what this is going to cost me but still going to pay for him to go to everything, he had to miss them all last year as they kept clashing with his diving lessons but it seems none do this year :j :j so he's thrilled

Off out for dinner tonight with DH, kids and parents, armed with my prepaid mastercard and a £15 off £50 spend voucher

Right off to check the bank see if my DLA has cleared so I can make a payment

kerri_dfw

Ooh I was MSE last night, free tickets to a play then didn't take cash so no beer, arrived bang on time so OH saved money as no time to buy beer, oh dear! Play was only half an hour, so straight home for toast and Sherlock (he's not seen it before) so no pennies spent and OH didn't notice ;-)

DorsetGirl_2

Barclaycard totals have finally updates online.

My new total is £1301.03/£7873.87 #130

recurrent-ostrich

jakes-mum wrote: »

Helloooooooooooooo DF by Xmasers :wave:

Oooo I did like my post today got £50 in love2shop vouchers from Np*wer for switching my gas and electric (even though I switched back a month later was supposed to be £100 but I forgot to send them my meter reading, so sent it today and got my fingers crossed I might get another surprise in the post ) and £83 rebate for my electric from Scottish P*wer :j :j they did write the cheque out to KMC instead or K & C, but I explained to my bank and they accepted it

How long did the vouchers take to arrive? We switched to npower on the same deal about 6 weeks ago, our supply transferred last week.

mf0u1098

mf0u1098 wrote: »

I've almost finished going through the posts writing down the totals but I think I'll go for a long walk whilst there's a break in the weather

Erm.... BREAK IN THE WEATHER?????? I got rained on, hailstoned and almost blown away. When I went out it was sunshining!!! Oh well, now I can have that bar of chocolate without feeling guilty although I still need to defrost and get dry... brrrrrrrrrr *teeth chattering...*

mf0u1098

DorsetGirl wrote: »

Barclaycard totals have finally updates online.

My new total is £1301.03/£7873.87 #130

Wow, it's great that you're over the £1300 mark already! You'll get to £2000+ in no time at this rate :T

mf0u1098

jakes-mum wrote: »

Helloooooooooooooo DF by Xmasers :wave:

Oooo I did like my post today got £50 in love2shop vouchers from Np*wer for switching my gas and electric (even though I switched back a month later was supposed to be £100 but I forgot to send them my meter reading, so sent it today and got my fingers crossed I might get another surprise in the post ) and £83 rebate for my electric from Scottish P*wer :j :j they did write the cheque out to KMC instead or K & C, but I explained to my bank and they accepted it

Jake came home from scouts last night with this years activities list, theres 5 weekend trips and a week camp in scotland :eek: :eek: I never been to scotland . . hate to think what this is going to cost me but still going to pay for him to go to everything, he had to miss them all last year as they kept clashing with his diving lessons but it seems none do this year :j :j so he's thrilled

Off out for dinner tonight with DH, kids and parents, armed with my prepaid mastercard and a £15 off £50 spend voucher

Right off to check the bank see if my DLA has cleared so I can make a payment

How are you managing to get the OH away from his game???!!!!

p.s. I've been sailing in Scotland and it is absolutely beautiful, Jake will LOVE it! Oh and the cajun chips were scrummy too...

mf0u1098

kerri_dfw wrote: »

Ooh I was MSE last night, free tickets to a play then didn't take cash so no beer, arrived bang on time so OH saved money as no time to buy beer, oh dear! Play was only half an hour, so straight home for toast and Sherlock (he's not seen it before) so no pennies spent and OH didn't notice ;-)

Was the play good? I love toast at night, especially wholemeal bread! mmmmmmm xxx

DorsetGirl_2

mf0u1098 wrote: »

Wow, it's great that you're over the £1300 mark already! You'll get to £2000+ in no time at this rate :T

Thank you - I cant wait to get it all cleared and start saving a house deposit. I try and make a payment every day but I get twitchy on the days when they are not that big.