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

HelenPie

fritterprincess wrote: »

Perhaps I'm a bit of an over-organising ballbreaker, but we would be in a right state financially if things were left to him.

That's exactly how I feel sometimes :rotfl: I think they rebel against it or something!!

I hope he hurries up and has his LBM soon x

eddi

fritterprincess wrote: »

Forgot to say a BIG thankyou to Jemma for not only coming up with the thread but also for all you hard work updating total and being thoroughly encouraging to us all! You are really appreciated.xx

Seconded! :T

kerri_dfw wrote: »

Nooo not yet, we celebrate on Wednesday when the balance clears onto Vanquis so I can pay Freemans and not incur interest on my c/c. I know it's the backwards way of using Peter to pay Paul, but it saves me £25 in interest each month and soon I can pay the full amount off the card. Doing it this way has saved me about £75 in interest

Ah ok, my

:dance: :j HOORAY :j :dance:

.... is now duly taken back to be re-used again next week.

eddi

I've made some changes to the summary sheet of my spreadsheet following a couple of suggestions to make the monthly target totals update as you pay things off . I think it all works.

https://docs.google.com/spreadsheet/ccc?key=0ArMQ10ztnRXIdFdpUFNuR3JsNTZrTnhqeXRwWVFhUUE

catmort

Woohoo, it's payday! I've never looked forward to it so much!
I've taken the plunge and paid 1/12th of my total debt in order to try to clear it by Xmas, so my new totals are:

#281: £1103.29/£7,735.45

I've now got a paltry sum to live on for the rest of the month, but this way it should stop me spending as I won't have cash in the account. If I get totally desperate I can use my spending credit card and adjust what I pay next month accordingly.

Now I have to start moneysaving, mealplanning etc!

rdchick

Well done Catmort!

Scary but satisfying! xxx

kerri_dfw

Just got incredibly excited as it's payday, which means I can order the kinder for the OH from The Rainforest I input all my rainforest vouchers I've earnt from mysurvey, SB, TCB and although I've spent the £31 I got from GTM because I was skinty mcflint, I still had just over £51 in vouchers (I do have £7.50 in vouchers owing but I want to buy him it now so he can have it before Canada). He wants the keyboard one which is £149, but they had one in stock that's refurbed for £79.99 so I paid a grand total of £28.48 a mahoosive saving of £121.51 I feel very, very MSE. Normally I would have just bought this before xmas without thinking of the cost, thanks to Jemma I played the long game, and I've won

rdchick

Well done Kerri! He will love it no doubt! xxx

psychopathbabble

Well done Kerri

Jemma - i just had one of those blue dragon shot things and it's so hot! Had the thai curry one, used half on a stiry fry with chicken but can't eat the rest!

Kerfuffle

Canucksfan wrote: »

Hi All, just need to vent b4 I do something drastic. I have taken over the Payment of credit cards (husbands and mine) since start of yr. so he gave me permission to open his cc bills which arrived today..needless 2 say it isn't good. His Canadian cc has gone past it's credit limit by a lot. The interest alone is over $100 this month. The $400 that I had put into his account is nowhere near the minimum payment that they want. Then I open another cc bill thinking it is a flyer from the same bank, but no- it is his English cc...the one he said he had just a few quid, practically nothing, just to keep the account open. So why do I see £2377.46 in the total which includes £12 for late payment last month?
I am at a loss to understand this man. I am sick of moaning about him. I cannot afford to keep supporting his spendy ways. The one good thing is that there are no new purchases on either card this month. If I ask him he will just shrug and say well I don't know howit happened. Are there any guys on tonight who can shed some light on how a mans brain works as I hv failed...badly.:(

<<hugs>> to Canucksfan, (and anybody else who needs them),

I'm not sure if you were just venting or if you're asking for advice, but if this was me I would firstly hit him over the back of the head with the frying pan, and then I would address the money :rotfl:
I mentioned a Personal Line of Credit a while back, and as far as I've seen this is the cheaper option for borrowing in Canada. I've never seen a 0% interest credit card advertised so I don't think that this is an option.

So get a PLOF to cover your Canadian CC, your UK CC and your new boiler. Send enough money to the UK to pay off the UK CC, and pay off your Canadian CC.

You said before Christmas that hubby had gone OTT with last minute pressies that were paid for on the debit card, those could so easily have gone of the CC, and I think he probably put the purchases on the debit card because he knew he'd maxed his CC. Until he has his light-bulb moment, you're really going to struggle.

I'll leave it there, I keep putting something and then deleting it cos I don't want to over-step the mark, I don't know your hubby so I don't know how receptive he is to suggestions, but you're' going to have to talk to him. Good Luck!

And I hope you're enjoying your new shoes

choclover

eddi wrote: »

I've made some changes to the summary sheet of my spreadsheet following a couple of suggestions to make the monthly target totals update as you pay things off . I think it all works.

https://docs.google.com/spreadsheet/ccc?key=0ArMQ10ztnRXIdFdpUFNuR3JsNTZrTnhqeXRwWVFhUUE

Whoa!!! Spreadsheet looks way too complicated! I just have everything on one sheet so when I open it I know exactly what the state of play is.