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

antonia1

Afternoon all! Just been playing with spreadsheets, and found that if I can get all birthday presents this year for £10 each (plus any vouchers from swagbucks / shopandscan / valued opinions), rather than the previous plan of £20 I can move my debt free date forward by about 1 whole pay day :j:j:j:j:j:j! That should be an interesting challenge, but I was really impressed at myself sticking to budget over Christmas, so I'll give it a good go!

Also, still liking the mini challenge - I've had left over chilli with bread from lunch and lifted some chicken soup out of the freezer for dinner. Thanks Kerri!

camuk81

Afternoon kids, Its mayhem keeping up with the new threads. Every time I log on I see a new post keep up the debt busting.
No 149 reporting in, Quick chat with vanquis and they have just refunded £18.75. Only a little amount but very penny!

Keep up the great work everyone

natlie

rich8996 wrote: »

Hello everyone, If anyone has Babies or small children all SMA is £5.99 a tin in Home Bargains, If you dont have one near you they also have an online store. Thats a saving of £3 a tin!!! :j

Thanks for this, I needed some in case I cant express enough when I go back to work next month. got 2 tins today, and a few other baby bargains. I dont know how people can afford bottlefeeding its soooo expensive!

kerri_dfw

Grocery shop so far is 12 eggs, 1 red onion, 3 portabello mushrooms and a rather expensive gluten/wheat free loaf of bread. Veg box arrives on thursday, but I'm not counting that just yet. Treats for myself were a recipe book in the sale for my sister, 2 bags of xmas chocs to go in for next years xmas box, and a square baking tin for £5.28. So my shopping so far is £4.39 + 24p + 88p + £3.19 £8.70 yay

[Deleted User]

138 :jDeleted_User £644.37 / £8,531.47

Just had the rest of my DD/SO's come off!

I have made in under 8K!!!!!!!!!!!!

Yayyyyyyyyyyyy

Dxxx

theposhbint

Hello all

Dashing in to report on my shopping yesterday - I took £20 cash out, to last me the whole of Jan food shopping and spent £9.15 on some essentials. Just need my remaining £10.85 to last me until Jan 31st
In fairness I did have a monthly tesco delivery (usually only costs me around £150 but last week only cost £92) - but always seem to spend another £30-£40 a week on things I don't need when only supposedly going to get milk/bread etc :mad: No more!

Also spent a whopping £3 on some new jeans for dd from Primani but thats from a separate fund so I'm not counting that.

Made another mini payment today so running total is #064 £332.79/£13,210.36

Just another £70 plus £12 interest til I hit my Jan target. Yay me!

sharronej

rdchick wrote: »

Hello this sounds amazing! Well done Jemma!

Can I join please?

My goal is to get rid of all £8703.32 of my debt and I would like to lose 46lbs please this year!

good luck everyone! xxx

Everhopeful09 wrote: »

Hi All,

Please can I join this thread?

Need a bit of an incentive, I haven't got a hugh amount of debt compared to some and if I put my mind to it I should be able to clear it by end of 2012.

Total debt to clear - £4,731 on salary of £15k (need a new job lol)

Comprising of:
Loan - £2,431 (pay £221 monthly, ends Dec 12)
Parents Loan - £1,500 (no rush but would like to pay back)
O/D - End up in every month by £700/£800.

Am off to look at up your income to see how I can raise some extra funds!

EH x

KittieB wrote: »

Hey, I'm new to this forum, but can I join please?

I would like to clear my overdraft so...

Total debt to clear = £1300

It's going to be tough, especially since me and my partner are on a very low income and have a baby due in april, but I'm determined to clear my overdraft!

Welcome aboard, mf0u will give you a number probably tonight when she does her updating - I think we'll be the biggest thread on the forum soon :T

brightpurple

Hi all. I'd like to join please, although I don't think it's possible to pay off all my debts by Christmas 2012! I've decided to aim to pay off at least £15,000 :eek:.
It's going to take some doing but i'm feeling determined at the moment. I'm in a DMP and will be putting any extra pennies towards debts as well. This would make a very big dent in my debts which would be great. I'm keeping a spending diary and will update figures on here when I can. Only paid £200 so far but it's a start.
Good luck everyone, here's to busting those debts in 2012!!:beer:

NewlyFrugalMumof3

Hello. Please I'd love to join.

My total debt I want to pay off by Xmas 2012 is:

£7,989.27 :mad:

and also like to lose 32 pounds of lard!

sharronej

camuk81 wrote: »

Quick chat with vanquis and they have just refunded £18.75. Only a little amount but very penny!

That's great news - well done :beer:

JamesKirstyLou wrote: »

Hi. please can I join? Just added up all of my debt and it is a shocking £11331.10!!

But the great news is that it'll never be that high again :j

brightpurple wrote: »

Hi all. I'd like to join please, although I don't think it's possible to pay off all my debts by Christmas 2012! I've decided to aim to pay off at least I'm keeping a spending diary and will update figures on here when I can. Only

Welcome aboard, a spending diary is a great idea - that first month is such an eye opener isn't it?

Welcome also to NewlyFrugalMum of 3

Regarding Kerry-df's mini challenge this week have you all been over to the Grocery Challenge board for the fabulous resources on there? Menu's, recipes, store cupboard challenges absolutely everything you can imagine to help stick to a food budget - I'll see if I can post a link but don't hold your breath :rotfl:
https://forums.moneysavingexpert.com/discussion/3695287 YAY managed it!