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

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  • Well done Ruby!! Bet its an amazing feeling to finally be debt free!!!
  • jakes-mum
    jakes-mum Posts: 4,640 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 24 February 2012 at 12:35PM
    I dont know what to do!!! Had the benefits man round as ive had my letter through for my ESA (HRM, LRC) and he thinks I have a good case for MRC BUT, there is no guarantee that should I appeal, I would keep what ive got :eek: He said he cant remember anyone having their award lowered through appeal, but that still doesnt mean that it cant be done as they do look at the entire application again :( So do I stick with what i've been awarded or do I try for the mid rate care and accept there is a slim chance of ending up with no care award at all?

    Jemma, do you REEEEEEEEEEEALLY want a bacon buttie ;) if so, get out ya pit and get down the bakers before they run out of bacon :rotfl:

    EDIT: well done ruby!! :T :T first one over the debt free line
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) £1596.55/£1000 (13) £1534.70/£1000 (14) £775.60/£1000 (15) £700.20/£1000 (16) £2081.34/£1000 (17) £1691.15/£1000 (18) £225/£1000
  • How good a bacon butty are we talking? Crispy bacon, buttered soft white bread and tomato sauce dribbling down your fingers? Yeah I'd get up for that (I'd take it back to bed when I came home though!) :D

    Soooooo *whistles nonchalantly* it's payday... points at signature... :grinheart

    Woooooop! Congrats on being first over the line! :j:T:j:T

    I think Jemma may have something lined up for you when she finishes gobbling her bacon buttie... :rotfl:
  • Wow well done ruby!!!!!!!!:j:j:j:j
    Became Mrs Scotland 16.01.16 :heart:Became homeowners 26.02.16 :heart:Baby girl arrived 27.10.16 :heart:Baby boy arrived 16.09.2018
  • January20
    January20 Posts: 3,769 Forumite
    Debt-free and Proud!
    Latest update: BC statement came in - £17.53 interest so balance this morning was at £996.79 (I really resent paying all this interest! That is one lesson I have learned!)
    Anyway, got paid today and it seems I got all the hours I claimed for ie December (which hadn't been paid) and January. So, I made a payment of £300 and balance is now at £696.79. My car is at the garage today so it may be all I can pay this month!

    #135 = £1089.40 / 1786.19 (60.99%)
    LBM: August 2006 £12,568.49 - DFD 22nd March 2012
    "The road to DF is long and bumpy" GreenSaints
  • Congratulations
    Ruby!!!!!
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j
    :money::money::money::money::money:
    Jealous.com!


    :( Trying hard...failing miserably :(
  • mf0u1098
    mf0u1098 Posts: 1,595 Forumite
    1,000 Posts Combo Breaker
    :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod:
    DFBX12 ROLL OF HONOUR
    :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod:



    :starmod::staradmin Rubywhatashmoo :staradmin:starmod:
    Joined on 25th November 2011
    Debt free on 24th February 2012
    Total cleared - £1,550


    :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod:
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595 Forumite
    1,000 Posts Combo Breaker
    mf0u1098 wrote: »
    :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod:
    DFBX12 ROLL OF HONOUR
    :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod:



    :starmod::staradmin Rubywhatashmoo :staradmin:starmod:
    Joined on 25th November 2011
    Debt free on 24th February 2012
    Total cleared - £1,550


    :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod:

    I thought it'd be nice to have our very own Roll of Honour list so I've created one on post #5 which the lovely Pedro helped me to design...above is a sneak preview though. :D

    A massive well done to you Ruby :T:T:T and I really hope you don't just become a lurker cos we'd like you to still be a poster!!! So how are you going celebrating your amazing achievement of being debt free??? xxx
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • HelenPie
    HelenPie Posts: 502 Forumite
    edited 24 February 2012 at 1:18PM
    How good a bacon butty are we talking? Crispy bacon, buttered soft white bread and tomato sauce dribbling down your fingers? Yeah I'd get up for that (I'd take it back to bed when I came home though!) :D

    Soooooo *whistles nonchalantly* it's payday... points at signature... :grinheart

    :T:j:beer::j:T:j:beer::j:T Well done Ruby!!!! :T:j:beer::j:T:j:beer::j:T
    :j
    Debt Free By Xmas 2013 #010 £16,660.26/£16,660.26 100% paid, DFD 25/06/13! :D
    :j
  • Well Done Ruby!

    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
    £20 a day April 2014 £834.87/£600 :j
    £20 a day May 2014 £108.45/£600
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