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

gemred_21

Thanks everyone, I've decided I'm not paying them a penny and will download the letter off this site to send myself to the mortgage company, to see if we can get some PPI back. I love this thread and all the others, you always know that people will give you honest views and opinions, your all fantastic.

I'm now off to cook tea on a budget thanks to my weekly challenge by Kerri :-)

kerri_dfw

thebrink wrote: »

Debt Free by Christmas 2012 is a no go for me i have just applied for a dro so it will take me into 2013 if all goes well so i cant join the party i weighed myself today on boots fancy machines i am 16 stone 9lbs 105.9kg :rotfl:i am to lose 1 stone 9lbs any extra is a bonus it read my body fat by holding the machines love handles 28.8% body fat! i had my first walk of the year in the park yesterday bought my last pouch of tobacco looked in the freezer and cupboards i have enough for a month (i must not hibernate) the seasons aftermath has finally started to kick in not spending but finally facing up to the consequences of debt 2012 is gonna be a biggun!

Your welcome to set yourself a smaller chunk portion as your goal instead? We don't like to see anyone go once they've posted and the hints & tips on here really can make a difference. I would never have overpaid as much as I did just before Xmas without this thread and the support of the lovelies here

I have 3 ikea bags worth of clothing to sell on fleabay come Feb although most is my sisters, I'm taking a cut for doing the hard work Chucked them in the basement and my room is a lot tidier for it yay :T

Now to setup the wii fit for a weigh in, dun dun durrrrrrn

recurrent-ostrich

kerri_dfw wrote: »

Your welcome to set yourself a smaller chunk portion as your goal instead? We don't like to see anyone go once they've posted and the hints & tips on here really can make a difference. I would never have overpaid as much as I did just before Xmas without this thread and the support of the lovelies here

Yes, I'm only looking to pay about a quarter of our debt this year as it's so high. Well, maybe a third if I pull my finger out!

recurrent-ostrich

Well, Ebaying is going okay. The nibblers out there are bumping up my total, little by little. The first things finish on Friday, about half my items are selling right now, keep fingers crossed that some of the bigger stuff sells.

Linzight

Finally made my first payment. £29.30 off my CC. 0.75%. Lets hope my eBay items sell well!

his_missus

gemred_21 wrote: »

Hi all,

I'm wondering if any of you could offer a little bit of advice please.

My OH was talked into claiming his PPI back using a company two months ago, they have looked at our mortgage and rang today and said we could get money back, after several phone calls today we have been told we have a good chance. However need to pay £550 for them to process, if nothing comes of it then we get the £550 back, however if we do they keep £150 of the £550. I could definitely do with some PPI back to pay off our debts but do I pay the £550 for the greater amount or not?

I know company's are not the best but he's a stubborn thing and won't listen to me trying to do it the way Martin would like, trust me I've tried, MEN :-0

On the plus side I took a top back today so will be paying £15 off my debts later.

:oI must confess I was reluctant to make my own PPI claim, really couldn't be bothered at the time, so Hubby put in a claim on my behalf. Maybe you could get the ball rolling for him...

edit - just read your post saying you're going to do it yourself, yay!

trying_hard

thebrink wrote: »

Debt Free by Christmas 2012 is a no go for me i have just applied for a dro so it will take me into 2013 if all goes well so i cant join the party i weighed myself today on boots fancy machines i am 16 stone 9lbs 105.9kg :rotfl:i am to lose 1 stone 9lbs any extra is a bonus it read my body fat by holding the machines love handles 28.8% body fat! i had my first walk of the year in the park yesterday bought my last pouch of tobacco looked in the freezer and cupboards i have enough for a month (i must not hibernate) the seasons aftermath has finally started to kick in not spending but finally facing up to the consequences of debt 2012 is gonna be a biggun!

I am with CCCS on a payment plan and I am aiming for 50% of our debt this year and the rest next year. Not all of us are going to make it but just being able to post any payments and having the support is well worth it. So stay a little longer

gemred_21

his_missus wrote: »

:oI must confess I was reluctant to make my own PPI claim, really couldn't be bothered at the time, so Hubby put in a claim on my behalf. Maybe you could get the ball rolling for him...

edit - just read your post saying you're going to do it yourself, yay!

Thanks, think i'll spend tomorrow downloading the letters etc, fingers crossed. Did you get anything back?

kerri_dfw

Have just bought my first bout of presents for future birthdays/christmas how very MSE of me. £2 for 2 books for OH, all about big words and he loves using them. A book for my nephew for next year and a calendar to follow Jemma's example and plot NSD's etc on now where to find stickers...

MFWannabe

thebrink wrote: »

Debt Free by Christmas 2012 is a no go for me i have just applied for a dro so it will take me into 2013 if all goes well so i cant join the party i weighed myself today on boots fancy machines i am 16 stone 9lbs 105.9kg :rotfl:i am to lose 1 stone 9lbs any extra is a bonus it read my body fat by holding the machines love handles 28.8% body fat! i had my first walk of the year in the park yesterday bought my last pouch of tobacco looked in the freezer and cupboards i have enough for a month (i must not hibernate) the seasons aftermath has finally started to kick in not spending but finally facing up to the consequences of debt 2012 is gonna be a biggun!

Hi
As others have said; you are more than welcome to join; set yourself a target of paying back x amount. You don't have to be paying it all back to be able to join; more the merrier!!:)