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

gh4662

#160 £28541 [strike]£32836[/strike] £4295 13.08%

kerri_dfw

I'm so confused,I have money in my account that isn't going towards a pot or bill, it's just sat there singing away at me and I've no idea what to do with it. I think I need to sit down and do a meal plan, then a budget plan that I will actually stick to. Otherwise the £400 odd sat there will just get frittered away I'm sure. It's so weird not having anyone to overpay,I can't overpay my last creditor as I want to lump sum them.

iwanttogoonholiday

managed another payment today so im up to -

''debt off by Xmas 2012'' £1347/£8,299 #215 (not o/d)

his_missus

Darn you, leap year! I have to wait now for tomorrow for my loan repayment to go out so I can debt-bust, the loan repayment is the one that makes the big dent in my debt at the moment. Depite planning not to do any supermarkets this week, a little bird told me Mr T's are doing half price Whiskas pouches so going to try and pick some up at lunchtime - my cats are going to think it's Christmas.

HelenPie

Wow, you don't pop in for one evening and suddenly everyone's paying off debts!! :beer: So well done to Kerri-DFW, SeriousDFW, Angelbob, superheavy, camuk81, choclover, iwantttogoonholiday, lemontree and gh4662 (and anyone else I may have missed )

rictus123 wrote: »

Payday Friday....another leap towards freedom. Doing alot of growing up along with paying off this debt. Drinking less and more sensible when i am, not spending so much on "sweets" and "sh***" basicly. There is many changes happening in my life as a result of this challenge - not just financial changes but all of them are for the better.

One day i will hear of someone being in debt and get a flashback to this working to pay the bank times i am in currently. It is the start of me being self employed,going solo and getting my name about as i know its not just about the money. Reputation comes first then i can start commanding decent quotes for my work.

Looking to increase workload upto 80 hour weeks, 3 on then 1 "off" where i will decrease it down to 60ish. Obviously this is if i can get the work required for it.

300 days and 4 hours to go. So everyone take your figure left to pay and divide it by 300, that will show you the amount you have to pay at very minimum.

Alot of you guys are doing so well, the end is near for us all.

What do you do rictus? I want to go it alone and went through the same thought process last night chatting to H2B about prices vs reputation and time.....

H x

jakes-mum

I sat here yesterday and typed out a whole ranting post which I then deleted as im so angry it was very personal

Im in that situation where I want to tell you, my 'virtual' friends but remembering this is an open forum I think the only way I can put it is pride comes before I fall and that sometimes im a glutton for punishment. I am still reading everyones posts but I might be a bit quiet over the next few days as I need to figure myself out

EDIT: see on such a downer forgot to post my payment yesterday. Another £50 off the debt

£2810.81 / £8806.89 31.91%

his_missus

Jakes mum, we're all here for you, maybe if you need to offload you should PM someone you feel quite close to, it's not good for you to keep it festering inside you, you'll only make yourself ill. take care xx

eddi

his_missus wrote: »

Jakes mum, we're all here for you, maybe if you need to offload you should PM someone you feel quite close to, it's not good for you to keep it festering inside you, you'll only make yourself ill. take care xx

I was just going to say something very similar.
I hope you can find a way to fathom out what to do and solve your situation jakes-mum ((hugs))

HelenPie

Hope you're ok jakes-mum.
We'll be thinking of you. Come back soon.

I came to have a mini rant but no seems even more insignificant now....I mis-timed a payment so went £1.14 overdrawn for 1 night now got a £22 charge on the way :mad::(

rubywhatashmoo

Awww jakes-mum I'm sorry you're feeling like that at the moment