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

vw_campervan_mum

Hi everyone :wave: You all sound like you're doing well. Great to read all the positivity!
I have gone quiet as problems at work been emotional and tiring but should all end well.
Looking forward to double whammy of payday and school holidays next friday. Hope to go to 40% paid off even though I still need to pay for boiler repair, family holidays and some DIY.
Enjoy our sunny weekend everyone

mf0u1098

Awwwww Miss Information, that's fantastic!!! :j:j:j I remember when before I started this challenge I was always up to my OD limits (£2000 over 3 accounts), up to my limits on credit cards (an obscene amount...:o) and the feeling when I got rid of my last OD was immense. I now stay in credit all throughout the month and it's just incredible when I think back to how it used to be. Well done hun, I'm really proud of you :A


Today I'm going to meet a friend for lunch in a beer garden (if there's room!) and have a good catch up. I just have to tell you though, I am a nightmare with plants, I kill them straight away...however...last week on Monther's Day I took my mum and grandma to a garden centre and spent some of my monthly allowance on some plants. I bought some strawberries, tulips, red peppers and bluebells. So far NONE have died and even better is that I opened my curtains this morning and my tuplips are in full bloom!!!! I'm so impressed with myself!!! I think I've got delusions of grandeur though as I started looking outside into our back garden and thought of all the wonderful things I could do to it... Steady on Jemma! :rotfl:

Anyway, before I go to meet my friend I'm going to do some updating so we can see all your lovely totals and also see if we've managed to smash the £300,000 barrier yet!

Right, where did I put those bl00dy antibiotics?

mumof3plusoh

Miss_Information wrote: »

Well I am officially over the moon!! Today is payday and I've just spent about 1/2 hour looking over finances. Since finding this site and thread, I've gone from being over £700 overdrawn at the end of the month to...........£367 IN CREDIT @ PAYDAY!!!!!!!!!!!!:j:j:j:j:j:j

So, today I'll be making a payment to CC, then withdrawing the rest that is left over in cash for spending this month. Hopefully that will really limit use of the debit card, so that I'll be in credit again next month too!

Going to make my payments, then will update my total. Was just too excited about being in credit and had to tell someone!!

Fantastc news Miss Information. I too feel the same, don't know how I survived without this site. Always overdrawn every month too.

mf0u1098

angelbob wrote: »

Morning all, payday today but as i've already paid this months amounts, i'm finishing paying for my holiday now :j.
Still stuck indoors with ds chicken spots (as he calls them) so Disney and chocolate again today.
Welldone January for being debt free :T
Also I had an email from ebay this morning, it's a free listing this weekend again, so get selling xx

How are the chickens spots hun? xxx

rdchick wrote: »

New payment from me includes tax rebate and a smidge from the second wage...

New total:

£873.14/£8703.32

Fantastic :T:T:T You are over the 10% mark!!! xxx

forgottendreams wrote: »

Morning All,

Long time no speak..... but rest assured, i've still got my goal firmly in site.

It's so exciting, got a little bonus at work, so going to spend it on the house and debt (ok ok thats not every exciting.... but it is to me lol)

So today i've just paid £539 to debt, and going to purchase my shower screen, and bath panel which will finish off my new bathroom... and hopefully i can squeeze carpets for the hall and back bedroom. I honesly cant wait (as we have no carpets in the hall or back bedroom, and this is looong overdue) can i get a WOOP WOOP!!

So DFW#24 = £1700 / £6100 = 28% Busted!!

Great to read that we have members on the honour role already!!! Thats amazing insperation for the rest of us!!

Great to hear back from you hun. :A xxx

mf0u1098

FREEZ wrote: »

Another £100 payment for me please:

#191 £1500/£4000

I love seeing your £100 payments hun, always makes me smile :A

rosiest wrote: »

HI guys same as everyone else, mega busy but still trying to read and will keep posting. we cannot let this thread die, we need it !!!!:j

Been a tougher month as have put money away for mot and tax but if any left will add to credit card and actually its an achievement that ive put it away as until lbm i'd have stuck on CC ! also saving £50 a month for insurance later this year.

Also have got a payrise in April possibly 2 and am getting more a month than i thought I would so well chuffed !

so

#043 £4008/£12911

Great to hear from you again and being over 30% is a superb achievement! Give yourself a massive pat on the back!!! :T

Superheavy wrote: »

Great news Jemma, in the current climate a secure job is nothing to be sniffed at, especially with what you're working to pay off. Loads of people, me included, just treat most appraisals as a box ticking exercise, but in this case it sounds like you were surprised with how highly they thought of you? You may not have paid off all your debt yet, but you're way ahead of some of us!

I think until you be honest in these meetings then you rarely get to find out what people actually think of you. I recently asked for a transfer back to my old job (as the person I was meant to replace has charmingly decided not to leave!) and I was expecting a nice to work with you cheerio kind of response, but they've gone out of their way to try and swap things around, and even though the other person is still there and I'm doing half a job, I may stick around for a little longer.

I'll update my totals later on, got some freelancing money in and bonus payday, so might be edging forward.

I once went into my appraisal with my old boss a couple of years ago and I went in expecting the worst but ending up walking out 2hrs later in shock. I didn't think he had a very high opinion of me as he was always pushing me and nit-picking all the time. Turns out he was testing me in his way and couldn't compliment me enough! I normally have a very good relationship with my current boss but recently I felt it was being sabotaged by another manager. Yesterday was great as we got a lot of things out in the open and all I can say on an open forum is that my job is secure and he wants to develop me further so I can go all the way (couldn't think how to re-word that so it doesn't sound so rude! - although we did have my appraisal at the Premier Inn :rotfl: in the pub though guys I assure you!)

You're doing so well Superheavy, glad they have recognised what an asset you are :j:j:j xxx

mf0u1098

psychopathbabble wrote: »

Well done Jemma!

Catmort, don't regret it... it will be an amazing trip!

I'm waiting to hear from work after letting them the outcome of my appointment. Trying to decide whether to just quit and get another job or what. Potentially it could be another 6 months before I can fly, depending on dates of operations and not sure it's sustainable. It was never a forever job, but I've been there 5 years and having the decision moreorless taken out of your control is unfair!

How are you doing Psycho? I know you've had a lot to deal with recently but you are always on here with a virtual smile. :A If they have to terminate on medical grounds then would you get redundancy? If you just quit then you wouldn't get anything I'm assuming, although if you've already run out of sick pay and are now on SSP then it might be better for you to actually cut and run and get a full paying job again...? xxx

Superheavy wrote: »

Glad things are going well for you, and may go even better, *fingers crossed* Jemma, and catmort, I think that you should go see your mum, debt is not necessarily a bad thing. If you're not paying any more on it and it means you get to see your mum, then it sounds worthwhile to me.

Here's my update, and I'm hoping to get over 30% by the end of the month:

#123 3217 / 10762

You are soooooooo close to 30%, just £11.60!!!!!!!!! :j

mumof3plusoh wrote: »

This is my 2nd payment and I am not sure if I have updated correctly.
I have paid a total of £400 now out of £1855.78 and owe £1455.78,

Sorry if I have messed it up Jemma and really pleased the appraisal went well

Nah you didn't mess it up hun, don't worry. Oh and if anyone is wondering if I've updated their totals then just click on who's thanked you. If my name isn't on there then I've been rubbish and not updated your post yet... Thanking each post once I've read and updated is how I manage to keep track of where I am up to. Although I would thank them all anyway!!!

mf0u1098

Right, I've done my updating guys! I'll have to update the mini-challenges post with links that our lovely Kerfuffle has PM'd me :A when I get back. Right now I need to get up and get ready for meeting my friend in the beer garden 30mins drive away and we're meeting at 11.30am! :eek: Why am I always late...?! :rotfl:

Have a superb day everyone :beer: xxx

karenann76

I have been paid!!!!

6 days early!

I am over the freakin moon!
:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

karenann76

Damn it...I was just ringing Barclay Card to pay them off and I have left my purse in the car and the OH has gone out! I will have to wait an HOUR before I am rid of Barclay Card...for the first time in 7 years!

I am SO looking forward to paying these debts off and updating my total! WATCH THIS SPACE.....

kerri_dfw

karenann76 wrote: »

Damn it...I was just ringing Barclay Card to pay them off and I have left my purse in the car and the OH has gone out! I will have to wait an HOUR before I am rid of Barclay Card...for the first time in 7 years!

I am SO looking forward to paying these debts off and updating my total! WATCH THIS SPACE.....

Awww Karen, you made me chuckle xx how awesome will being rid of Bcard be though,yippee