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

karenann76

Well, we have nearly made it to pay day! But we wont be making many debt payments this month! I am paying £1800 off the mortgage arrears this month but they aren't included in my hideous total so no update. OH is self employed and this months invoices are total pants so we will only be paid a third of his usual wage next month.

I am now on a mish to make some extra money (I may even sell knickers!) so I am working on council tax rebanding, credit card charges refund, a bit of PPI and the OH tax return!!! On the plus side my tax return showed that I am due a £4 tax rebate so it's not all bad!

Oh and I have made £40 on Ebay....its going to be a long month!

kerri_dfw

I'm sure there are other people that have done worse than sell their knickers!
Oh and I was selling my sisters bras, she's had a breast augmentation so they don't fit anymore and I've pinched all the ones I like. Don't worry they were freshly laundered when sent to different parts of the world

No more debt busting from me today, but my housemate cooked us leftovers from the meet the parents bbq she cooked for yesterday, her vegan food is absolutely lush mmmmm.

I promise no more talk of pants

Pedro where are you taking Gemma for your date? I want to come and be a fly on the wall

gh4662

Another month gone, chipped away some more, major assault next month

#160 £2111 [STRIKE] £32836[/STRIKE] 6.43%

SpagBol

Just totted up the payments made to various cc's this month and those payments take us to £2615 / £58000 for the first month! Not bad but still a long way to go...

rjh35

Just a quick update after Januarys payday:

010 :jrjh35 £3511.76 / £15,461.76

dd1981

Good morning everybody :wave:

I have paid a little more towards my debt so doing a wee update. Some of you might remember I had a car service bill of approx £300 to pay this month so was going to put it on the credit card. However, because I left my cards at home I had to call my mum and ask her to pay it over the phone so I could get my car back!!! She did and I then transferred the money from my bank account to her when I got home so never used my credit card!!! Now am completely skint for rest of month esp. as had to take my cats to vets for their boosters and that was £82! Again, I might have put it on my credit card if I had it with me but I didn't.

Has really made me wonder though, all these times I have put something on the credit card because it's a high payment of something 'unexpected' why don't I just put it on my bank account and then try to deal with what I have left?! If I don't have it then I don't have it- simple! Sorry if this sounds really simple and obvious to most people but I have lived using my bank account for bills and living (with way too much frittering money away on nothing) with the credit card being for extras and big payments. NO MORE!!! :money::money::money:

I get a decent wage which is more than enough to live frugally on and pay off debts at the same time so am in a way better position than so many people I read about on this forum so am massively grateful for that. Feel like I've had another wee lightbulb moment although I still have some way to go, it's a step in the right direction :j

Ok, sorry for rabbiting, get carried away chatting :shhh: Here is my update Jemma, many thanks

#056 £680.59/£9,793.81 (6.95%)

Am off to do some :money: stuff, so much to do! Hope you all have awesome days

DD
x

jakes-mum

kerri_dfw wrote: »

Pedro where are you taking Gemma for your date? I want to come and be a fly on the wall

and I want to be the flowers he gives her so I can have a front row seat :rotfl:

I had a bit of a thought last night and am now quite miffed as when I listed knickers on ebay (brand new ones before anyone asks :rotfl:) why didn't I get a weirdo offering £50 for me to wear them :rotfl:

mf0u1098

kerri_dfw wrote: »

Pedro where are you taking Gemma for your date? I want to come and be a fly on the wall

As if we're going to tell you guys!

*skips around looking smug* :rotfl:

jakes-mum wrote: »

and I want to be the flowers he gives her so I can have a front row seat :rotfl:

Ermmm, flowers cost money so if he buys me any then I'll hit him round the head with them! He'll definitely have his LBM then! :rotfl:

rdchick

Aww cute date talk lol!

New debt total is £8426.73 and payments haven't gone for most things yet so will update again Wednesday with proper totals for this month's payday!

Paid off some bits and bobs so my new total is:

#252 £276.59/£8703.32

Seems like hardly anything when I see it like that!

kerri_dfw

jakes-mum wrote: »

and I want to be the flowers he gives her so I can have a front row seat :rotfl:

I had a bit of a thought last night and am now quite miffed as when I listed knickers on ebay (brand new ones before anyone asks :rotfl:) why didn't I get a weirdo offering £50 for me to wear them :rotfl:

I wasn't selling knickers, I was selling bras My OH thinks it might be because I have a headshot of myself on my fleabay account (although the picture is about 5yrs old now). I did do a bit of goggling last night and there are dedicated sites for it :eek:

jemma, you must tell us all about the date, we'll be waiting to hear all the juicy gossip