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

jakes-mum

catmort wrote: »

My sister is having her 30th birthday party on Friday at some swanky London club with an expensive menu which I'm going to be forced to eat from PLUS I just found out there is a 'music charge' too. And because so many people are coming she is relegating me to the second table. Her hubby just sent an email saying 'thanks for being understanding', well I'm not! I don't want to go! But I can't really tell her that...especially since it's her 30th! But she's forcing me into spending loads of money! What do you guys think I should do?

Ok honest story here (which ive prob told you all before but my memory is cac) , My middle sister got married in Canada which was waaaaaaaaaaay to expensive for me to take a husband and 2 kids, she was fine about it that we didnt go. She then organised a wedding party in the UK when she got back, it was 2 hrs away from us, in a very expensive hotel and 10 days after my daughter was due to be born. I agonised over this as 1) I couldnt afford the room, 2) I didnt want to steal her thunder with a brand new baby 3) I'd have had to spend most of the night upstairs as . . well . . I had a new born baby. BUT it was my sisters wedding!

In the end I told her I couldnt go and my mum took my son on his own Dont feel bad about saying you cant afford to attend things, if you cant, you cant and at the end of the day this day is only important to the person if revolves around. If they pick somewhere expensive to celebrate they have to be prepared for people to say they cant afford to go.

TheAllanCadenhead wrote: »

Hi all.

I am nearly 3 years out of uni and I still have a 2k overdraft that i've finally decided to bungee my way out of.

Please can you put me down for:

£0/£2,000
I will come back too...

Welcome to the DF by Xmas thread :wave: take a seat and [STRIKE]tell us lots of gossip[/STRIKE] . . . um I mean enjoy the banter

kerri_dfw

Natterjack88 wrote: »

what is it you do kerri- Im intrigued

I'm a database administrator. I've just started work, again, for one of the largest companies in the world. Which means I reeeaaallly need to kick this debt to the curb pronto as it's embarassing.

Ooh and just remembered as I'm now not at one fixed workplace need to update my car insurance to business use, less money in my pocket grrr.

jakes-mum

Oh I feel cac today, im full of cold, my throat hurts and I have one of those niggling pains in my head that keeps flaring and threatening to become a headache but doesnt quite. Im not sleeping well, which is prob due to the cold but im tossing and turning most the night

Miss Lily came in to me at 6am and fell asleep on daddys side of the bed (shes the one that gave me this horrid thing) Jake and my nephew Joe (whos staying for the week) bless them, got woke up by miss lily at about 7:30, took her downstairs and have been quiet as mice letting me sleep till gone 9. Going to attempt to make DH's coffee cake this afternoon without coughing into the mixture (his favourite and I only make them on special occasions or if im in and extremely good mood :rotfl:) so might get the boys to make GF buns at the same time while Miss Lily is at nursery. Give them something to do

To make myself feel better im going to announce another £100 off DH's overdraft, now hes in credit I have no excuse not to start taking it off my total

So new total is . . . .

016 £2535.81 / £8806.89 28.79%

antonia1

Morning everyone. I hope those with children are all enjoying half term, and those without are enjoying the quite roads on the drive to work.

I have made more big steps over the last couple of days in preparation for getting debt free in time to start a teacher training placement (if I'm accepted on one of course). Yesterday I cancelled my lovefilm subscription and gym membership. Today I shall be calling o2 to see when I can switch to giff gaff (though I think that won't be til the end of March) and cancelling my union membership (if I'm leaving I won't be needing that security).

So technically no new savings just yet, but more steps in the right direction. And just found out that mum is paying for the trip to the zoo on Saturday, which saves another £25 :T.

[Deleted User]

Barbeduk wrote: »

We're on half term too, I'm self employed so lucky to be able to take the week off. The kids know we have £31 to spend on days out including parking (odd number I know but it's what was left in my purse from last week plus £25). so it was mcd yesterday for me and youngest, cinema this morning (£1.10 each), NSD tomorrow and cinema again thurs (£2.75 each as it's in 3D).

Good luck all!!

I've just looked into the Cinema half term offers - is there anyway of booking ahead whilst avoiding the charges? Had wanted to take the girls to £1.50 viewing but they want an addition 75p admin charge for booking over internet/phone. Can I avoid this by going to the cinema (vue) and paying by cash?

Also love the idea of telling kids the amount that they have to cover their half term activites - I'm going to try that out for the rest of the week

natlie

Hi
I have paid off my barclaycard :j:j:j
£300 so total now

£1311 + £50 off my OD = £1361:D

NATLIE ~023 £1361/9800

Ruthy1604

poohspals wrote: »

I've just looked into the Cinema half term offers - is there anyway of booking ahead whilst avoiding the charges? Had wanted to take the girls to £1.50 viewing but they want an addition 75p admin charge for booking over internet/phone. Can I avoid this by going to the cinema (vue) and paying by cash?

Also love the idea of telling kids the amount that they have to cover their half term activites - I'm going to try that out for the rest of the week

We always just turn up before the showing - The 75p fee is just plain wrong and greedy :mad:

kerri_dfw

Mr W only had parsley plants and I have no idea what goes well with parsley so gave that one a miss.

My DFW thing I've done today is go to the SM before OH arrives this evening his words were "oh I'll go to the SM this evening and get what I need" my response "no you won't! Tell me what you want now and I'll get it for you"...if he goes by himself he'll buy £30 worth of crud, whereas I bought £9.73 of things he will use and I chose the best value items instead of grabbie those innocent juices or chocolate or cake etc etc

his_missus

Morning all!

Hope you are well. I remeber most of my school hols either playing out, playing in or watching videos. Mum was working, dad was in bed as he worked nights so we entertained ourselves(or I babysat little sis) . We only ever went away during the summer hols.

Cat - if I really couldn't afford to go, I would make some excuse up not to go or just say I couldn't afford it (depending on who it was) Easy for me to say...

Jake's mum - hope you feel better soon.

Kerri - if you drive for business, is there no way work can help you out with insurance, petrol costs etc? DH was given a work's van and he pays via extra tax for the priviledge but work pay for upkeep, petrol, insurance etc.

Feeling slightly disgruntled with DH today. Despite agreeing we wouldn't spend on Valentine's day ( I made him a cake) he is taking me away on Friday night - night at the dogs, hotel stay-over, probably cost us £100 in all :eek:

I know it's very sweet of him and I do like going away BUT we went away for a few days last week for a few days (and it cost less than that) AND I'd much rather spend the money on other things. If not on debt, I could redecorate the front room for that - he keeps moaning it needs tarting up as it looks dull compared to rest of house :mad:

However, he has also decided he's going to cook all week - breakfast, lunch and tea. Not sure how long that will last He made me some toast for breakfast, took him 10 minutes:rotfl:

Payday on Friday so will be giving the CC a bashing.

rdchick

I am glad mine and the BF's finances aren't connected, he can spend what he likes I don't have to get angry Will be a different story when we are more 'together' with our finances!

Looking for vouchers for meals out in Cardiff at the weekend... so excited, will be a great time and I am hoping the weather stays clear for him flying on Sunday... yep the boy's going flying

The BF has been uber sweet today, love heart sweeties this morning then he bought me a 'I love you' cake from the sandwich van that comes to work (the joys of working in the same office) I have been spoilt again xxx