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

theposhbint

Another mini payment from me today #064 £338.75/£13,210.36

Payday tomorrow, so should squeeze a few more ££ towards my debts before all my dd's come out next week.

Having said that there's lots of birthdays this month (& celebrations to go with it) - will have to keep a tight rein on the purse strings but determined to do it

theposhbint

DorsetGirl wrote: »

Have managed to get my CC under £2000 :j

Yay! Well done DorsetGirl :j

theposhbint

kerri_dfw wrote: »

Anyone needing butter? Type into FB "clover block" there's coupons for a free 250g pack of Clover Block (exc Mr T)

Hi Kerri, I cant find this on fb tried typing clover on its own and all sorts of variations. Has it been removed? Thanks

Wish I'd seen this earlier, I went and bought some this morning :mad:

kerri_dfw

theposhbint wrote: »

Hi Kerri, I cant find this on fb tried typing clover on its own and all sorts of variations. Has it been removed? Thanks

Wish I'd seen this earlier, I went and bought some this morning :mad:

I think it's finished now, it was some sort of app they had about 100 left at 2pm so I guess it's gone now

Incidentally I'm really cross with the CK website. I ordered my fabric at 3pm, the cut off for next day delivery is 3.30pm so paid the extra £2. Has my order arrived??? Has it heck! Have emailed demanding refund of £2. Not my fault they decided to go home early or whatever they were doing. I have proof of my purchase time as well.

his_missus

antonia1 wrote: »

I am absolutely loving this week's challenge, and I'm quite tempted to see how long I can keep it going for. I also got a fresh stock of toiletries from father christmas (I know, I'm 26, but mum says I have to have santa cos I'm there on Christmas morning) so I shouldn't need any more shampoo, shower get etc for ages.

Despite being, ahem...38 me and DH still do Christmas stockings for each other. I gave him a list of suggestions from the @von catalogue and he bought me EVERYTHING on it. I'm sorted for smellies and make-up for the year :rotfl:

Still not had to buy any groceries this week, well since the challenge started, proably helps that I did a shop on Tues morn, not that I paid, DH did

kerri_dfw

Result! Just phoned CK, they're refunding me the £6.95 for delivery as it's not been dispatched until today so it might arrive today or tomorrow happy Kerri. That's £6.95 towards a debt, now to choose which one....

spartan59

Pointless spending

I've just been getting into the weeds on my bank statements and I've found a lot of pointless spending going on

My account

Sept £30.83
Oct £10.83
Nov £64.32
Dec £34.28

Total £140.26

Joint account

Sept £94.47
Oct £67.95
Nov £81.49
Dec £55.28

Total £299.19

Overall £439.45 over 4 months on snacks and drinks ( mainly OH lunches)

If we cut this out ( which we will be once I tell OH when she gets home!!!) we will have an extra £1318.35 to pay off our debt:mad:

It is so amazingly simple where the money goes, you just don't realise!!!

None of this includes the £10 here or £20 there withdrawls or my OH's account!!!! So the real figure is even higher, but small steps first tackle the over use of the debit cards!!!

( not sure what was going on in November but we were clearly in need to snacks and drinks!!!!)

camuk81

Spending diary and meal planning me thinks!

webitha

ooooppppppsie
i did make a payment today and my CC is under £2k for the first time in years and I STILL HAVEN'T SMOKED A CIGGIE (the first day in 20 ahem years)

and i know i said that i will treat myself when i get to the £5k mark............buuuuuuuuuuuuuuutt i "accidently" bought a box of krispy kreme doughnuts from the new shop that has opened in preston town centre..
please forgive me for i have sinned...and they tasted om nom nom nom

antonia1

camuk81 wrote: »

Spending diary and meal planning me thinks!

Good idea. I haven't actually done a meal plan yet, I've been picking up whatever is nearest as I leave the flat in the morning. To do list for tonight begins with inventorying (is that a word?!) the cupboards, fridge and freezer.

Also just been invited to a friend's house for food on the 29th Jan. She is providing food, but it is three days before I get paid and the round trip costs £25 in petrol. Tho if I'm driving I wouldn't have to take any wine.

And a huge congratulations to webitha on not smoking :T:T:T:T! Very impressive indeed!