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

Barbeduk

kerri_dfw wrote: »

Has anyone else noticed that their life seems a lot more organised now that they're dealing with their debt? I seem to have places for everything all of a sudden and my cupboards seem a lot more streamlined. I'm also noticing it at work, I'm keeping more lists and giving myself small tasks to complete and I know what my next goal is.

Yes!!!! Why is that? It's like I'm a changed person, I'm keeping on top of everything at the moment. Got a bonus day at home due to son being poorly and have been doing housework since 8.30. And even more amazing than that, I'm enjoying it!:rotfl:

Blimey, so many people having a rough time. Hope everyone has a good weekend. Mine will include chocolate due to the lovely lidl selling theirs at 17p a bar last weekend. I only bought 10 bars.:D

mf0u1098

I've put my walking boots in my car and am going to go the long way round to get home so I can stop at this gorgeous reservoir before it gets dark and walk round it! I've been doing at least an hours exercise nearly every hour this week but most of it has been toning and core work. I need to do more cardiovascular stuff...

What a beautiful day today! I was a bit down myself last night but today is a new day, I worked out all my finances and I think I'm actually slightly ahead of where I declared but I'm worried I may have stuffed up so going to leave it in my account until I'm sure. I'm also going to try and last on £100 less this month on food/fuel/etc as most of my money goes on food and I'm trying to cut that down...

Remember everyone, no matter what happens in your life at the moment, good or bad, that you are all in a MUCH better position than you would have been had you not had the courage to face your debts. You are all doing amazing and please be proud of yourselves. Life has it's ups and downs but just keep the goal in site as we have less than 300days now to go on this challenge. A lot can change in that time and I urge you to read the DFW Roll of Honour as inspiration, as every one of those people (our lovely Ruby is on there too!) has been where you are now. They have given blood, sweat and tears to get rid of their debt. Sometimes they found it almost too tough to carry on but then realised that the alternative was too horrible to think about. WE CAN DO THIS TOGETHER!!! Stay strong and stay proud xxx

mrso2b

152 mrso2b £1232.22/£12,000

Usual payment to Halifax card.

I need to work out when all my balance transfers are ending, that's my goal for the week.

his_missus

mf0u1098 wrote: »

I've put my walking boots in my car and am going to go the long way round to get home so I can stop at this gorgeous reservoir before it gets dark and walk round it! I've been doing at least an hours exercise nearly every hour this week but most of it has been toning and core work. I need to do more cardiovascular stuff...

xxx

Jemma - You've been doing an hour of exercise every hour :eek:? That's dedication:D It's definitely a nice day for a walk but got the joys of heading into town at lunchtime to buy nephew a card then after work we have to visit said nephew so won't get to appreciate the sunny weather properly today.

Ooh, have you read my sig? updated my weight loss today

mf0u1098

his_missus wrote: »

Jemma - You've been doing an hour of exercise every hour :eek:? That's dedication:D It's definitely a nice day for a walk but got the joys of heading into town at lunchtime to buy nephew a card then after work we have to visit said nephew so won't get to appreciate the sunny weather properly today.

Ooh, have you read my sig? updated my weight loss today

Superb!!!! :T:T:T You are doing fantastically well :A

Erm I think an hours exercise every hour would be a bit extreme!!! :rotfl:

choclover

Oh dear, I've been going through hubby's littlewoods statements to try and work out what future payments will be and have had to reorganise my snowball as he's got some stuff on BNPL, which once the time runs out will be charged at a staggering 32.9% interest, so this needs to be paid first before my barclaycard.:mad:

It's had a dramatic effect on everything including my DFD which was supposed to be July 2014 will now be Nov 2014 :eek:.

Also, my figures have now been adjusted so I have a new total to work towards by xmas which is now £5210.12, instead of £6962.20.:eek:

So #304 £1391.82/£5210.12 (26.71%)

I only hope I've done it right this time!:o

antonia1

Okay, just popped on to say that I have pulled myself together, and locking myself out of the house isn't actually the end of the world. I will drive to Middlesbrough tonight, then the boy will come visit me next weekend, so it hasn't even cost me any money. I have to wait for my flatmate to get back before I can go home, but that just means I shall force myself to spend a bit longer in the gym than planned.

mrsyallop

Just realised that I had forgotten to list my latest update!!

#238 mrsyallop 2010.22 / 8327.54
Over 2 grand paid off. Why did I not sort my finances out sooner!!

twoboysmamma79

#170: £200 paid today x loving all my tips from the forums here X

eddi

mf0u1098 wrote: »

Day 1 of my no chocolate in March diet and I MISS IT!!! I think this is going to be tough but I'm determined to do it.

Dear God I've failed my no crisps challenge already! :eek: I forgot the date as I hadn't wound the date on the clock forward I am starting today and will continue until 2nd April.

kerri_dfw wrote: »

Has anyone else noticed that their life seems a lot more organised now that they're dealing with their debt? I seem to have places for everything all of a sudden and my cupboards seem a lot more streamlined. I'm also noticing it at work, I'm keeping more lists and giving myself small tasks to complete and I know what my next goal is.

I'm the same, (although my forgetting it wasn't still February in order to start this months challenge may have you believe otherwise :o ) I'm much more organised about things in general both at home and at work. Very odd indeed.

I hope you're feeling OK after these nose bleeds