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

gemred_21

Which one did you go on kerri, I did the cash back last time and it worked so would be tempted again, all money off our debts.

Well not a good spending day for me yesterday, myself and some friends are going to a ladies day so had to buy everyone's tickets on the cc, total of £140, (this was because I suggested it) however i paid my £28 straight off. Then a holiday cottage weekend with the family in march, I said 'oh its ok I’ll book it' doh another £300 on cc. grrrr not happy.

However I know I’ll get this money back when we go next month, and with getting paid today I paid £140 straight off, so thats our share of the holiday cottage plus an extra £40. Will update my totals later.

utopiah

#79 just paid off another £30 total now £590/£2260

karenann76

kerri_dfw wrote: »

my sister still hasn't given birth even though she's been contracting since before xmas! Although I do agree that I also have the so-called "skinny gene" just like you

Seriously ....just how long has your sister been pregnant? It feels like she must be 11 months now!

mf0u1098

kerri_dfw wrote: »

Baby update, yes this thread now has real babies!!!

My sister is in proper labour now, 6 minutes apart. Today's the due date so expect him tomorrow morning as our family are never on time

Phew! Thank god me and Pedro are off the hook with that one now...!

It's soooo exciting!!! Do you know if it's going to be a boy or a girl? xxx

mf0u1098

loubie_lou wrote: »

Weighed myself today. Please take off the 3 lbs i said i lost.

I have put them back on

No, I'm sorry but I won't! You can weigh yourself again on Monday and make sure you've lost those 3lbs again girl!!! :p:p

CW2

Hi Everyone,

#003 reporting in with an update! This month's payments have cleared today so new total is:

#003 £4874 / £12,459

I haven't had much time to post but have been reading as often as I can - congratulations to everyone working away at the debt reduction, the totals being posted are fantastic and everyone is doing so well! And a big thanks as ever to Jemma for keeping everything going.

My outstanding debts are now loans which I can't make small payments on, instead I have to save to pay them off, but I'm busy away in the background doing this and have made a good start. I'm not going to add these savings to my debt paid off amount yet though until I have actually paid the loans off but I'm hoping for a sprint finish with some big overpayments at the end. This is the year we'll be debt free:j!

CW2

kerri_dfw

gemred_21 wrote: »

Which one did you go on kerri, I did the cash back last time and it worked so would be tempted again, all money off our debts.

Well not a good spending day for me yesterday, myself and some friends are going to a ladies day so had to buy everyone's tickets on the cc, total of £140, (this was because I suggested it) however i paid my £28 straight off. Then a holiday cottage weekend with the family in march, I said 'oh its ok I’ll book it' doh another £300 on cc. grrrr not happy.

However I know I’ll get this money back when we go next month, and with getting paid today I paid £140 straight off, so thats our share of the holiday cottage plus an extra £40. Will update my totals later.

I used gala who did you use?

karenann76 wrote: »

Seriously ....just how long has your sister been pregnant? It feels like she must be 11 months now!

I know you'd have thought noone had ever done it the way she's going about it

mf0u1098

CW2 wrote: »

Hi Everyone,

#003 reporting in with an update! This month's payments have cleared today so new total is:

#003 £4874 / £12,459

I haven't had much time to post but have been reading as often as I can - congratulations to everyone working away at the debt reduction, the totals being posted are fantastic and everyone is doing so well! And a big thanks as ever to Jemma for keeping everything going.

My outstanding debts are now loans which I can't make small payments on, instead I have to save to pay them off, but I'm busy away in the background doing this and have made a good start. I'm not going to add these savings to my debt paid off amount yet though until I have actually paid the loans off but I'm hoping for a sprint finish with some big overpayments at the end. This is the year we'll be debt free:j!

CW2

Yay, hello CW2!!! :wave::wave::wave: Lovely to hear from you especially as you're doing soooooo well :T

I don't know whether you read some earlier posts from today but I have a loan that I cannot overpay but HelenPie and Superheavy have told me that I can get a new loan which allow overpayments (these are now standard apparently) and it may work out cheaper as everytime you overpay then the interest goes down a bit like with a credit card. I'll obviously need to factor in the APR (old loan is 7.9% but new is 6.2% :j) but take into account the early redemption penalty of two months interest. I'm going to speak to someone in the branch on Saturday to work out whether it's better for me to do this but hopefully should save me some money!!!

xxx

gemred_21

kerri_dfw wrote: »

I used gala who did you use?


It was Caesars Bingo £10 deposit and £40 cashback, it only took a month until my cash came through. I'm keeping mine in my quidco account until my £80 home insurance cash back is paid then i'll pay it all off my cc :j

Glenda

Hi everybody just updating my total debt busting

# 272 300 / 4000

Continuing good luck to all you DFW.