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

mf0u1098

:xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree:
:snow_laug Only 309 days until we are DEBT FREE!!!! :snow_laug

:xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree:

Barbeduk

I'm thinking that even if we don't manage to pay it all off, we'll be in a darned better place than we are now! Thanks for the motivation :T

Mrs_Addicted_to_Spending

Gemma - hope you feel better soon.

Pedro - glad to hear from you and that your friend is slowly improving.

Floridafairy - sorry to hear the news about your husband's work. My DH announced Friday that his job may be in jeopardy in about 6 months and my first thought was "Oh no, how will we pay off the debts?" :eek:.

On a brighter note, DH and I went out for his birthday and were very MSE - spent £23.00 for us both for 2 courses and drinks (I had tap water with the meal!) and then we looked round the shops and came back with some money unspent (him birthday money and me 'pocket money' - I have a very small weekly amount I 'pay' myself and I'd saved it up for the trip). A first for us both as we would have previously hit the credit cards .

psychopathbabble

mf0u1098 wrote: »

I'm really not feeling brill so I'm going to leave the updating until tomorrow if that's ok and go straight up to bed... Not getting much sleep with coughing so much.

Psychopathbabble, I hope the ENT can help you as this is not a good situation at all! Is there anyway you can be seconded to work at the airport or head office or something grounded until this issue clears up rather than having to think about leaving? xxx
xxx

Hope you feel better tomorrow.

Unfortunately they can't find me work in another area unless I've been told I can't return to flying full stop... but if I chose to apply for jobs going in other areas then that isn't a problem. Slightly annoying.

Kerri I'd just declare it but cancel it completely when you feel you have enough saved up for emergencies.

jakes-mum

kerri_dfw wrote: »

I need advice please.... I'm looking at Jakes-mum here mostly I think...
I've just checked online banking and found my SA tax rebate is coming in tomorrow for 10/11... I'm getting £1222.17 which could easily pay off my OD and my c/c. What I want to know is at what stage should I put this as paid off? When I have enough savings to cover the OD and then cancel it? Or should I just cancel it regardless and not have anything for emergencies?

The way im working it is that when I feel I wont need that £100 from the overdraft I declare it to you lot If it scares you to remove the OD oimmediately, take it down in stages

But declare your CC straight away

missmimo

Hmm...I've been away from a computer for nearly a month. It would appear that I have quite a few pages of posts to catch up on...I'm on page 86 at the moment. This may take me a week or so!!!!

In the mean time my new update is...

#251 239.75/5798.84

Not fantastic but better than nothing. January started really well but then the boyf decended and it all kind of went out of the window (like it does!) But he's back at home now so I can concentrate on other things - like trying to shift as much of this debt as pos by Xmas! I've been given a promotion at work :j so when HR pull their fingers :mad: out I'll be getting about £300 a month more. Going to buy myself a new TV first - before the digital switchover and I lose everything! - then it's all going debt-wards.

I'm also starting a health kick (got back probs so it'll help that too) so can you put me down for 1/56lbs too please.

I'll try and catch up with the thread over the next couple of days and then I can actually join in with the conversations!

psychopathbabble

I've just found a statutory sick pay quote at £81 per week.... oh F**K.

Anyone know of any cash in hand jobs in the essex/herts/cambridge area? I'm gonna be desperate!

kerri_dfw

mf0u1098 wrote: »

Well done on getting rid of Freemans hun :T:T:T That's a massive step for you! How's the new job going? xxx

Thanks Jemma I'm super happy

New job is awesome, they've only just sorted my password for my laptop out...this is meant to be an IT company Back to Reading tomorrow then

Thanks everyone for your advice. I don't want to spend the OD money, or have to say "I owe more now than I did yesterday because I spent it" so I'm going to declare it all. You're my little angels on my shoulders and you'll stop me spending it :A I'll be too scared of getting told off, and you should tell me off if I do spend

Then I'm going to do the sensible thing with the CC and when I buy something for £10, log onto internet banking and pay it off straight away

Tomorrow I will update you of news that I've only got 2 out of 6 creditors remaining....how awesome is that! In fact this time last year I had an additional 2 payday loan companies, so that'll be 2 out of 8 remaining :T:T:T and only just over £2k to pay. Hurry up midnight.

psychopathbubble sorry to hear about your having to be signed off will your ears never get any better? Could you try some cash in hand cleaning jobs or similar? I hear you can get some good roadkill from cleaning the local pub

happymoneysaver1

another wee £96 off the debt total - thanks!

#151

£707/10013

InsertWittyName

Time for my monthly payday update!

#055 InsertWittyName £5307.95 / £15626.32 (33.97%)

Expensive month this time though unfortunately...

So close to being under £10k owing!

And I believe that's me, errr... 'winning'