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

catmort

kerri_dfw wrote: »

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

Thanks Kerri, I've tried to budget before but I don't really get it. I end up thinking I need way more than I earn or actually end up spending. Hopefully the spending diary will help me see exactly what I do spend on. I think it's mainly food!

kerri_dfw

catmort wrote: »

Thanks Kerri, I've tried to budget before but I don't really get it. I end up thinking I need way more than I earn or actually end up spending. Hopefully the spending diary will help me see exactly what I do spend on. I think it's mainly food!

I food, just made nigella oven chips and put cheese on them this time om nom nom. The only way I found to cut down spending on food was the grocery challenge and to make food from scratch. I've definitely spent a lot less since I stopped shopping in the SM every week as well. Feb will be the first month I've completely stuck to it though. :eek:

fritterprincess

Hi everyone,
After a very long january at last I've been paid! Unfortunately my pay still isn't right. I was due a load of back pay which I'm sure I havent received :mad:. Oh well have still paid another chunk off my debt.:T



#13 £1900/£8500

Even better I have paid off my debt to my parents!! woohoo:j
Good luck with all your payments this month.xx

mf0u1098

catmort wrote: »

Thanks Kerri, I've tried to budget before but I don't really get it. I end up thinking I need way more than I earn or actually end up spending. Hopefully the spending diary will help me see exactly what I do spend on. I think it's mainly food!

I was exactly the same, spent most of my money on food! Best thing I did was to try and get as many no spend days as possible each month... It's quite fun actually and has stopped me from getting a takeaway or chocolate bar etc just because I don't want to lose a NSD. I have definitely curbed what I buy in the supermarkets because of it, I always have a spendy day on a sunday as I go out for tea so make sure that I go to the supermarket to get things for my lunches for the week that day so I don't lost another NSD.

I used to spend about £3-4 per day easy on lunches at work but now I always take my own and have got into the routine. Give it a go, it's surprising how easy it is to have fun getting to your target NSD's for the month. Most I've had is 7 NSD's in a row but normal is about 4. I'm going to try and get 20 in Feb which will be tough as there are only 29 days :eek:

mf0u1098

By the way, we're now on post #4 as we have so many members!!! How cool is that?! xxx

Amy83

Hello everybody!

Not been nearly as active in this challenge so far as I was hoping to be . There's been a few little things I've needed money for so far this month (holidays, am I allowed to say that or is that a dirty word round here?! ) but I'll be back on the wagon with Febs pay (middle of the month, sooooooo long away!)

Anyway, I'm number 217

PAID OFF £31 / £6,000

Hmmm, slow and steady certainly doesn't win this race. Will be picking up speed again in a few weeks. Nice to everyone doing so well!

skaps

mf0u1098 wrote: »

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

xxx

Sorry I am on the list, I just had not subscribed so nearly forgot about this challenge.

angelbob

catmort wrote: »

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)

Hi i don't know if it would help or if you could/or still need it, but could you sell the old laptop?

I can't work out how to double quote but Jakes-mum, im waiting to see what primary school my son starts this year, i find out in march too but im hoping to move this year, so probably have to change it :think: xx

jakes-mum

Helloooooooooooooooooo DF'ers :wave:

well i had a nice surprise last night before bed, thought id just give swagbucks one last check before log off and id won 500 swagbucks on something calles 5 for five :eek: so got meself another £5 amazon voucher and am already 482 points toward the next :eek:

ahh angelbob its a long wait isnt it here its secondary school that get notified in march (ds) and primary in may :eek: (dd) which doesnt give much time for appeal if you dont like the primary school you've got given

to multiquote, click the 2 speech bubbles at the bottom of each post you want to quote (max 3) then when your ready, click the normal 'quote' button on the last post you've selected to mutli quote and it will open the advanced box with them all there

jakes-mum

Hurrayyyyyyy!! I have money!!! finally get to pay credit card some money

New Total

#016 £1555.54 / £8806.89 17.66% :j:j:j:j