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

PedroMatias

kerri_dfw wrote: »

Total bow out today. £120 on a lovely puffa jacket for OH for Canada, £35 discounted gap jeans, £35 guess tshirt, £45 long sleeved guess tshirt, £35 lunch. Complete blow out but I've got a lovely new outfit that fits perfectly (h&m, top shop don't fit properly). OH is 35 by the way

Just had a rubbish night out with uni mates, I was having a laugh with one of the girls and said something that I thought wasn't too outrageous in jest, one of the others threw a massive tantrum and I think I've pretty much been kicked out of the group of friends I was on the outside of already. So...

Wanted: some lovely fiends that can don't get smashed all the I'm, don't take other or grated, and try to resolve minor problems instead of throw a paddy. Location: currently London. For: 25yo DFW that tries to be nice to people, but expects them to treat her the way they expected to be treated, and likewise she'll return the gesture

Sorry to hear about the rubbish night, that's a torrid few days for you! But they sound like friends that aren't really worth having anyway, not that it's any consolation. I used to work in central London actually, but moved away a few years ago. I hope things look up for you soon. Have a hug :grouphug:

Canucksfan

Hi Guys
Oh Kerry, sorry you had such a non-event of a night out...don't forget you have your mates here. If you can't speak 'honestly' to your friends when you get together, without them taking it the wrong way, then they aren't true friends.
JMum, step away from the credit cards...nice and slowly please!!!
Kerfuffle, you must have sensed that I was in need and decided to pay a visit-what good timing you have.:j DH and I have been ticking along quite nicely over the past few weeks. Then on Thursday we went to a Home and Garden Exhibition and had a nice lunch out - both bargains bought through Mr Groupon (it was my Valentine pressie to him). Had a lovely relaxing child-free time. Last night we went out for a gorgeous steak meal, paid for by some Gift Cards that he had redeemed some cc points for. So both days were lovely MSE dates - I started to feel a bit more relaxed and he kept saying how he could see how well the new system of envelopes, budgeting etc is paying off and that he is saving too for our trip home next year.
So he goes into work today and while sorting through his jeans to wash them, I find a bank receipt from the local ATM, showing that he withdrew $100 cash on the day we went out together. I actually asked him about it at the dinner table and he got very defensive and then the children started getting upset with him and/or with me, but it was the only way for him to see that this impacts us all as a family. My issue is that there is a drawer upstairs with cash for us to dip into if we need cash for a magazine, spendy money etc and he never touches it, saying he would feel 'guilty' if he used it...I would rather have it out with him on the spot, then not rehashing it - I can't stand couples that have a cold silence between them for days on end. However after seeing the stricken, confused faces of the younger children, I wonder whether I should be burdening them with this and should I internalise it more instead. I just want to educate my children about money, so that they don't make the same mistakes we have made...but am I causing them unnecessary stress?
Anyhow, I must go and get ready for work tomorrow - I phoned in sick today.
MSE#249-Canucksfan. Another $400 paid off - $3300/17418.95
All the best to you in the week ahead x :wave:

nctmum

Feeling pretty low about this all this morning - tried to work out on a spreadsheet how the snowballing will help and I still don't think I'll make Xmas even if I do it religiously. I think I'll get 65% of the way there but thats a bit disappointing.

Sorry for the downer on a Sunday morning

camuk81

Nct it's about the long term, trying to get as much as you get paid off. It's not a race it about working toward a long term goal. There are some times when I panic and think I'm not going to make it but actually I'm happier that in the long term I'm going to pay off a big chunk? We are only two months into this year and you've already paid off nearly £3k don't loose sight of that.

Kerri it's never nice when you are caught in that situation.

Well spent more then the £75 I wanted to but less then the £100 budget. Come home and passed out. Far too much wine.

Shopping next while hubby takes little one swimming then Sunday dinner tonight.

kerri_dfw

Thanks everyone

Feeling a bit better this morning, just disappointed.

Going to pay myn£90 to wescott today

mf0u1098

kerri_dfw wrote: »

Total bow out today. £120 on a lovely puffa jacket for OH for Canada, £35 discounted gap jeans, £35 guess tshirt, £45 long sleeved guess tshirt, £35 lunch. Complete blow out but I've got a lovely new outfit that fits perfectly (h&m, top shop don't fit properly). OH is 35 by the way

Just had a rubbish night out with uni mates, I was having a laugh with one of the girls and said something that I thought wasn't too outrageous in jest, one of the others threw a massive tantrum and I think I've pretty much been kicked out of the group of friends I was on the outside of already. So...

Wanted: some lovely fiends that can don't get smashed all the I'm, don't take other or grated, and try to resolve minor problems instead of throw a paddy. Location: currently London. For: 25yo DFW that tries to be nice to people, but expects them to treat her the way they expected to be treated, and likewise she'll return the gesture

We're here Kerri!!! You can tell us anything (and have! :rotfl:) and we still love you :A

I had some uni friends, it was quite a cliquey group and I was constantly trying to fit in but they never really "got" me, I was always worried about what to say and what I wore was never good enough. In the end though, I realised that these weren't real friends and although I had known them for years, we still didn't really know each other. I still keep in touch every now and again but I go out with other people who I can be myself with and am a lot happier. I always felt I was inferior but I'm just different than them. Realising this has made me more confident in myself and I look at the group and feel glad that I'm not trying any more.

Come and move up north hun! xxx

mf0u1098

nctmum wrote: »

Feeling pretty low about this all this morning - tried to work out on a spreadsheet how the snowballing will help and I still don't think I'll make Xmas even if I do it religiously. I think I'll get 65% of the way there but thats a bit disappointing.

Sorry for the downer on a Sunday morning

nctmum, we all have days like these but the key is to recognise your achievements so far. As camuk81 said, we are in this for the long haul and some of the people here have joined knowing before hand that they cannot become debt free this year but they decided on their own personal goals.

If you pay off 65% then that will mean you have still paid off £10,653!!! This is an absolutely HUGE amount to clear in a year and you should feel very proud that you can achieve this... This will leave you with £5736 left to pay so maybe set a slightly tougher target of getting your total debt under £5000 by Christmas? Please don't give up and please be proud of what you are doing. We are all proud of you :A xxx

jakes-mum

nctmum, the DF by xmas is a goal we are all aiming for but no-one should ever feel bad that they may not make it, absolutely every penny you pay off your debt is an accomplishment. This is all about changing our mindset regarding the banks money and trying to loosen that noose round our necks, Dont count your chickens just yet, we are still 10 months away from the finish line and alot can happen in that time. Just focus on the amazing amount you have paid off, and be proud

Kerri - hmm well I live in Cambridgeshire, dont drink, dont do clubs/bars/pubs etc BUT I do have a very unusual sense of humour . . . so i'll be your mate

Canuck - all I can say is :think: hit him over the head with a frying pan, knock some sense into him :rotfl: i'm afraid im one of those people who likes to have a blazing row about things and then do the stony silence :rotfl: I like to think of myself as an all rounder I dont want to talk calmly and quietly to my Dh in these situations, I want to rant at him because he's been an a*se, and then I like to let him come round to the understanding of how much he's been an a*se :rotfl:

And in other news . . . . umm I don't have any actually, I just like to write comments

rosiest

Update for me please

#043 £3459/£12911

mf0u1098

Well despite my chest infection, I am sick of sitting around doing nothing so I am going to get tidying! I also really want to get back to exercising but I know I'm not well enough yet but can do some Pilates, even 10mins is better than nothing. I think I'll look at putting myself down for some 10k's throughout the summer and get my a*se back into running again as I love doing races.

My youngest sister brought the ISME catelogue last night and I found quite a few things I like (everything in the shops just look the same and it's not my style...) soooooooo I'm going to save up out of my spence AND concentrate on the weight loss so that I can't buy the items I like until 1) I've got the money without needing credit and 2) only need to buy size 10 clothes... Should work pretty well as whenever I think about buying some chocolate my two thoughts will be "but that's an extra 65p towards that lovely top" and "if you eat that you won't fit in it!"

Anyone fancy doing no chocolate for March with me or whatever is your weakness???

Anyway, need to get up and tidy... xxx