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

kerri_dfw

mrso2b wrote: »

I did that for Dorothy Perkins, new look, etc – it def helps! out of sight, out of mind.....

I'd be interested in Cath Kidston bedding if you are making and then selling! Luuuuuuuuuuuuurve Cath Kidston!

defo agree out of sight

I shall message you when I've made anything and provide you with some pictures. Just checked receipts and last CK fabric I bought was £15 and £11 so really pleased with my purchase today of 2 fabrics for £21 as didn't go over what I bought before

velvet27 wrote: »

THANKS FOR LINK AND FREEZING BEANS ADVICE - 10 BAGS NOW IN THE FREEZER!!!:j

AND....THANKS TO ADVICE FROM DFW'S I HAVE JUST PUT MY FIRST ITEM ON EBAY (daughter took photo for me as I am hopeless) but am willing to learn if she can be patient enough). Will add more stuff to sell tomorrow:j:D

I'm about to put my beans in to soak now too. Do you know if it's a definite 10-12hrs or can I leave them 18 so I can get them frozen when I'm back from work?

rosiest wrote: »

need your opinions ladies and gentlemen. I have a gorgeous 9 month old daughter who has always had far too many clothes ( nearly all second hand but in great nick ) Ive been keeping them all as we plan on having another when she's three or four in case we have another girl but my mum says better to sell them now as they'll be out of fashion when we have our next. What do you think ?

I'd pick out anything that will date and chuck it on fleabay. There are a lot of clothes now that are similar to what we wore as children, just depends on the "in" colour. Neutral colours you'd be fine with Babygrows, onesies, I'd keep as although not expensive don't age over time. I'd sort through what you want to keep, and if you have too much for one child fleabay the rest

gambledandlost

I feel like crying - I had been renting out my garage which would have taken care of half the payments I needed to make so I could pay off my credit card in 3 years but the person has pulled out. this means I have no way of making enough money and it is going to take at least 5 years to pay off my debt. All the dreams I had created to happen in 3 or 4 years time have blown away. I now need to make £50 a month payments for the next 20 months just to clear a grand. Sometimes life sucks :-(

psychopathbabble

gambledandlost wrote: »

I feel like crying - I had been renting out my garage which would have taken care of half the payments I needed to make so I could pay off my credit card in 3 years but the person has pulled out. this means I have no way of making enough money and it is going to take at least 5 years to pay off my debt. All the dreams I had created to happen in 3 or 4 years time have blown away. I now need to make £50 a month payments for the next 20 months just to clear a grand. Sometimes life sucks :-(

can you rent it out to someone else? don't let it get you down, there will be a way around it, another way to make some money

velvet27

kerri_dfw wrote: »

defo agree out of sight

I shall message you when I've made anything and provide you with some pictures. Just checked receipts and last CK fabric I bought was £15 and £11 so really pleased with my purchase today of 2 fabrics for £21 as didn't go over what I bought before


I'm about to put my beans in to soak now too. Do you know if it's a definite 10-12hrs or can I leave them 18 so I can get them frozen when I'm back from work?

I'd pick out anything that will date and chuck it on fleabay. There are a lot of clothes now that are similar to what we wore as children, just depends on the "in" colour. Neutral colours you'd be fine with Babygrows, onesies, I'd keep as although not expensive don't age over time. I'd sort through what you want to keep, and if you have too much for one child fleabay the rest

i've left the beans for up to 18 hours in the past and also only soaked them for 8 hours - with no problems either way. Good luck!

melwinnie

Hello

I would like to join the thread please. Total debt to pay off in 2012 £6200. I would also like to join the weightloss target. 42lb by 30th June 2012. Diet started 30th December 2011. Thanks

rosiest

I have decided to go for it and just show my full amount rather than what I think I could clear. Sorry to be a pain. so here is full correct amounts


£568.05/£12911.70

phoebesmum2105

Yeh, another way to make a bit of dosh, just been accepted to be mystery shopper !!

Can't wait to do my first assignment.

sharronej

Wow, I've only missed today and there's been an extra five pages!! Either the site is really busy or my computer is being silly because it won't let me change the page.

We've been doing ok at the food challenge so far I've only bought packed lunch stuff, bread and toilet roll so £12 spend up to now. I'm still hoping to pay my bank loan off in January but whether I'll hit my target on the others is doubtful because of the tax bill (£650) we have looming at the end of the month. I'm looking forward to and dreading all my bills going out this month but I'm hoping to make my big payment on the tenth and suspect I may have a breakdown after I've done it......I've been saving for five months lol I've had 3 NSD's this week and will try for another tomorrow.

Melwinnie welcome to the boards mf0u will assign you a number later when she updates the totals.

sharronej

mrso2b wrote: »

But I have just set up a payment of 301.01 to go out of my account on payday to pay off that First Direct card I've been harping on about! Should I count it as a payment now or wait till payday to declare it?

Personally I'd wait until it had left my account....just in case

richjames wrote: »

Hello....not sure if this is how I join!?

I've added up my debts and want to pay off £12,733.04 by xmas 2012. This is going to be a hard challenge but I'm desperate to do it as I'm 32 this year and want to be debt free and on the property ladder by the time I'm 35.

Welcome aboard richjames, I'm sure you'll manage it and with the support on this site I bet you clear it well before you're 35!

kerri_dfw wrote: »

Not sure if it'll help anyone else, but I've started unsubscribing from newsletters that try to make me spend money. So it was byebye to Mr T, Harrods (only in a sale for cheap underwears), freemans, etc

It's funny you should say this but I've just started sending everything straight to the junk folder without opening it

mumsiemum

gambledandlost wrote: »

I feel like crying - I had been renting out my garage which would have taken care of half the payments I needed to make so I could pay off my credit card in 3 years but the person has pulled out. this means I have no way of making enough money and it is going to take at least 5 years to pay off my debt. All the dreams I had created to happen in 3 or 4 years time have blown away. I now need to make £50 a month payments for the next 20 months just to clear a grand. Sometimes life sucks :-(

Things can always change and often a solution isn't far away. Just take a few deep breaths (and have a cry if you need to - works for me!) then tomorrow start thinking about what else can be done.

Read this - some great ideas! ( . .and an MSEr too!)

http://www.dailyrecord.co.uk/news/real-life/2012/01/03/mum-saved-10k-in-a-year-to-save-home-she-shares-with-two-boys-86908-23676228/

Hope the link works!

MM