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

HelenPie

xoxo wrote: »

Which are the best bingo sites to do for decent cashback? I've done gala and paddy power, are there others? I don't want to just look at TCB and go for it incase they're known for not tracking properly or anything

jakes-mum wrote: »

Tombola is good, I joined when it was only £10 cashback but it tracked within 1 day, still isnt confirmed but has a good % of paid cashback rate.

Others have said He*rt bingo on Qu*dco is tracking well as well and if you put another players name in the referal you and they get £10 which can be withdrawn. You must spend your deposit on bingo only though for the referal money to be paid from what I understand

M3cca and He@rt have tracked on Qu1dco and Tombola on TCB for me so far, if that helps. The tracking stats on most of the big names are good though.

You do need to play bingo for most of them, but not all so read the t&cs (they're not too long )

xoxo wrote: »

Thanks! I'll give it a go:D Extra cash and 'payday' tomorrow so worth a go I think. :j

Anyone here got a referral to use for the one on quidco?:j

If you use my username on Heart then we'll both get £10

HelenPie

DorsetGirl wrote: »

My new update - £6357.17/£7873.87 #130 - nearly 20% paid :j

Helenpie - I did use your referal name but I think because I played games as well as Bingo we are not going to get our £10 - sorry

Not to worry Dorset Girl. You'll get the CB at least

Depending on how much you did/didn't spend though, keep an eye on your account as there was another £5 joining bonus (came about 2-3 days after registering for me). This is too little to withdraw so you may be able to get your £10 by spending some of this to make up the original £10 wager, if that makes sense. Check though - I don't want you gambling unnecessarily!!

HelenPie

I've been terrible with last week's fleabay challenge :(:o I still have a whole room of stuff to sort through and it is on my to-do list though. I think I'll sort in little bits and get prepared and then use the next free listing weekend to load it all up.

Did someone once mention that you could schedule listings, and then change them to list now once the free listing comes up. Effectively allowing you to do the leg work for your listing in advance but still not pay.....(sorry I'm describing that really badly!! :rotfl:)

H x

psychopathbabble

HelenPie wrote: »

Did someone once mention that you could schedule listings, and then change them to list now once the free listing comes up. Effectively allowing you to do the leg work for your listing in advance but still not pay.....(sorry I'm describing that really badly!! :rotfl:)

H x

Yep, thats right Schedule it to list in 2 weeks or so, and pop back on when you want to list them and 'edit' it to list immediately. No charge.

HelenPie

psychopathbabble wrote: »

Yep, thats right Schedule it to list in 2 weeks or so, and pop back on when you want to list them and 'edit' it to list immediately. No charge.

Thank you :T:T

xoxo_2

jakes-mum wrote: »

Tombola is good, I joined when it was only £10 cashback but it tracked within 1 day, still isnt confirmed but has a good % of paid cashback rate.

Thank you thank you thank you :j Won £64 on my first game:D

jakes-mum

xoxo wrote: »

Thank you thank you thank you :j Won £64 on my first game:D

Woohoo!! :j:j:j:j :T:T:T:T

WITHDRAW IT AS SOON AS YOU CAN!!! :rotfl::rotfl::rotfl:

his_missus

camuk81 wrote: »

Well the day, checked my emails this morning and some property I had been left by a family member is going to go through.

At this point you are probably thinking jammy cow why is she rubbing it in, however the problem is having only had my lightbulb moment in November I know I'm going to slip back into my old ways.

I know some people have savings to counter loans etc (Jemma been watching your loan bits with intrest) so here goes, do I pay off the biggest/ highest apr and keep going on with trying to push toward the debt free, whilst saving some money in the bank and really learning what a budget is!

Each to their own I suppose. If I were in your shoes, I'd pay off some debt and save some. If you're worried about dipping into the savings, why not stash some savings away in an account you can't touch for x amount of years and have some savings close to hand for emergencies. If you're going to pay off debt, definitely pay off those with the highest apr. By paying off some debt, you'll probably have a bit more money to spend each month anyway as you won't have that debt to pay.

My plan is, once I've paid off my loan in July, the money I would've paid to my loan each month (£367!) will get paid to my CC. My usual payment to the CC (£70 min) will then be available to either pay more off the CC OR be extra spends to prevent me from getting into debt on CC/catalogue etc.

Does that make sense?

xoxo_2

jakes-mum wrote: »

Woohoo!! :j:j:j:j :T:T:T:T

WITHDRAW IT AS SOON AS YOU CAN!!! :rotfl::rotfl::rotfl:

I did:rotfl::rotfl:

eddi

jakes-mum wrote: »

Mine isnt showing either and I joined up middle of last week, it says in the bumpf it can take up to 45 days to track :eek:
Did you play bingo with the money and bonus money or did you play the scratchcards only?

I noticed it could take an age to track as well, if at all. It took about 3 days for my stake to go out of my bank and for what I won to be paid in....I wondered if I'd dreamed the whole thing at one point! I only played bingo with the whole lot.

rdchick wrote: »

Personally I would pay off and close all that I could with the new money... I have a very bad impulse level and money burns a serious hole in my pocket! I know what you mean about learning to budget and save and stuff but I know in my heart of hearts I won't do it even though I have the best intentions to!

Love to know what others think xxx

I'm exactly the same as you. Or I was until I joined everyone on this challenge and the other 2 I'm doing. It's given me a whole new outlook and I'm actually quite proud of myself now. Budgeting will never be second nature to me, at least not for a long time. Also, the OH is exceptionally good with money and every time I go to buy anything if I'm on my own I hear his voice in my head going "is that an essential purchase?". And if that's not enough I can hear everyone on here doing it too :rotfl:

If I waiver I think about that holiday in Iceland I really want and it helps focus me again. Is there anything hefty you can set yourself as a goal to work towards?

psychopathbabble wrote: »

Yep, thats right Schedule it to list in 2 weeks or so, and pop back on when you want to list them and 'edit' it to list immediately. No charge.

Ooh I did not know this. Thank you :beer: