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

DorsetGirl_2

I know how you feel about the wait *jakes-mum*, its only 37 days til we find out where our boys are heading. Did you say you wanted a school out of catchment?

My new totals are £1313.03/7873.87 #130

Aaarghusername

Currently paid off £656.92. Am very excited!

Malmol09

Hello everyone....

A little bit more paid off for me today so my new total is:

#063 £687.96 / £17,630.02

Keep at the debt busting good work people!!

kerri_dfw

If there's anyone reading that's had payday loans then please don't feel like you're on your own and swamped. I took out my first payday loan in August 2008 and finally kicked it October 2011. Over that time I paid over £2k in interest, I can't find half the emails to tell me how much I've paid so I'm sure it's quite a lot more. I got myself completely stuck and snowed under with them, getting higher and higher ones to cover bills/rent/etc. The only way I could beat them was by calling up each month and arranging to pay off a higher amount than the minimum/deferral amount. If you overpay them you will beat them and we're here to support you all the way to the deft free finish line. They better be ready for us on the honours thread in December.

Kerri x

camuk81

Well said kerri

catmort

I'm feeling a bit down as I haven't had a very MSE January and there's not going to be anything left at the end of this month for me to pay in. Part of me wants to pay off a big amount as soon as I get paid but then what if I can't make it to the next payday? I'm going on holiday for 5 days next week, although I've already got my currency for it and I'm determined not to go over the amount I bought, so I've already paid for that. I also bought a laptop in January, convincing myself I needed it for work (I work in IT and couldn't run the software I needed properly on my old laptop)

Hopefully I will resist more spending temptation in February and be able to pay off some at the end of Feb, but it seems so far away! At least it's a short month

jakes-mum

DorsetGirl wrote: »

I know how you feel about the wait *jakes-mum*, its only 37 days til we find out where our boys are heading. Did you say you wanted a school out of catchment?

Yep, both of them find out jakes in march but dont find out lilys till may :eek::eek::eek: how can I wait that long!!! I find it hard to wait an hour for dinner to cook :eek::o

mf0u1098

Just got back from an hours walk with my mum so am very cold and my legs are aching (I live in the hills so there's no avoiding them!)

Going to try and do my updating now but if I run out of time then I'll finish it off tomorrow.

xxx

kerri_dfw

catmort wrote: »

I'm feeling a bit down as I haven't had a very MSE January and there's not going to be anything left at the end of this month for me to pay in. Part of me wants to pay off a big amount as soon as I get paid but then what if I can't make it to the next payday? I'm going on holiday for 5 days next week, although I've already got my currency for it and I'm determined not to go over the amount I bought, so I've already paid for that. I also bought a laptop in January, convincing myself I needed it for work (I work in IT and couldn't run the software I needed properly on my old laptop)

Hopefully I will resist more spending temptation in February and be able to pay off some at the end of Feb, but it seems so far away! At least it's a short month

Don't feel bad it's a looooong month! Have you set yourself aside budgets for everything? There's the grocery challenge, weekly spend challenge, and others if you need encouragement, they've certainly helped me

mf0u1098

skaps wrote: »

Somehow I have not been subscribed to this thread.


Paid off £448.74/£6231.64

OMG I feel mortified!!! I am so sorry for missing you off the list, I will add you now

xxx