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

jakes-mum

Ooooo challenges . . though if I threw out everything that didnt fit, id have no clothes left :eek: fortunately mine are all too big rather than too small, so a belt works wonders :rotfl:

No online shopping :think: well I dont tend to buy online anyway except when there is a deal on Amazon for toys and stuff I can use for xmas (doing my - Christmas for the entire extended family for £100 challenge again - all 13 of them!) but im using all my swagb*cks earnings for them (as then they are freeeeeeeee) does that count???

mf0u1098

Right everyone, I'm trying to design part 3 so it works best for everyone, has anyone got any suggestions for anything you'd like or things you think don't work??? Any ideas for weekly(?) motivational posts or extra challenges or tips or ....??? This is OUR challenge and I'd really like your input before I create the next installment!!!

mumof3plusoh

jakes-mum wrote: »

Ooooo challenges . . though if I threw out everything that didnt fit, id have no clothes left :eek: fortunately mine are all too big rather than too small, so a belt works wonders :rotfl:

No online shopping :think: well I dont tend to buy online anyway except when there is a deal on Amazon for toys and stuff I can use for xmas (doing my - Christmas for the entire extended family for £100 challenge again - all 13 of them!) but im using all my swagb*cks earnings for them (as then they are freeeeeeeee) does that count???

I am with you on the voucher front Jakes-mum. I have taken ages to get a £5 amazon voucher through swagbu*ks, yet people say it is easy to build it up quickly. I haven't had a survey for ages. I have had a couple of £10 vouchers through another survey site. What is the secret with sb if you don't mind sharing. I am trying to build up vouchers for christmas too, Many thanks.;)

mf0u1098

DebtFreedom wrote: »

Hi there

I'm not an official member of your club, but I do peer in occasionally to keep me going! I'm on track with my debts: £1,000 a month (on top of mortgage payments). Woohoo!

Thanks for the post DebtFreedom, I like your signature! Would you like to be an official member??? We'd love to have you on board! :j xxx

MrsPee wrote: »

Hi everyone, I'd like to join this challenge please. We have £6800 left to pay off, as I paid off £3300 of our debt yesterday. Is it ok if I cheat and put our starting amount as £10,100 and that we have paid off £3300. I will feel a lot more motivated if it looks like I've paid off a big chunk already....
I'm looking forward to getting to know everyone that posts on here

Your wish is my command! I'll put you down for a starting total of £10100 and paid off of £3300. Lovely to have you on the team hun!!! xxx

mf0u1098

Ruthy1604 wrote: »

Hi all,

Well I've not had a very MSE weekend at all!! I went on a Spa Day on Sat as an early birthday/late mothersday present to myself It was fab & included 2 course lunch & 2 treatments for £109. We even went in the gym for an hour and I was horrified at how unfit I am. Last October I completed the couch to 5 K programme & now I cannot jog for more than 2 mins without gasping for breath

Ruth

Spa Day...*sigh* I went to one a couple of years ago and it will be my big treat once I'm debt free. There is one in Oswestry which has a snow cave!!! It's chuffin awesome!!!

catmort wrote: »

Mmm well it was harder than I expected! I'm going to do the second one when I get home today. I couldn't do it in the mornings!! Thats very motivated of you!! I'm using the thought of my Mum seeing me for the first time in a year as inspiration as I want her to be surprised by my newly svelte physique... We can but dream lol

Hey you've done fabulously on your weight loss so far hun! 7.5kgs??!!!! Fantastic!!! :T:T:T

choclover wrote: »

Sorry I haven't posted in a while, I've been reviewing our budget using MS Money and scarily, spent £529.33 in Feb and £432.05 in March on Food alone! :eek: It's now obvious the food budget is our downfall - all the little trips to the shop here and there soon add up! Well worth me spending the two days back tracking through the last 3 months worth of transactions!

Most of the DD have gone out today so just to summarise have paid off £398.51 minus interest so that brings me to:

#304 £1566.34/£5210.12 (30.06%) :j

On another downside cap1 only gave me a credit limit of £500, so I won't be saving as much as I first thought.

Food's my biggest downfall too. Considering there is only 1 of me then I am astounding at how much I spend on food alone... :eek: Great total by the way! :j:j:j

jakes-mum

mumof3plusoh wrote: »

I am with you on the voucher front Jakes-mum. I have taken ages to get a £5 amazon voucher through swagbu*ks, yet people say it is easy to build it up quickly. I haven't had a survey for ages. I have had a couple of £10 vouchers through another survey site. What is the secret with sb if you don't mind sharing. I am trying to build up vouchers for christmas too, Many thanks.;)

Hmmm well I have slowed down on the voucher collecting but still get one about once every 2 weeks :think:

I do the daily poll everyday, the NOSO everyday, 2 x searches (really obscure things to try and get higher points, like random sayings from whatever im watching on tv :rotfl:), check swagc0de sp0iler regularly, watch the videos on special offers/supersonic (you can have them all running at once ), check for surveys on special offers/peanut labs.

Make sure your info on the survey page has been completely filled in, and . . . well . . . I may not always be completely honest when filling thm out ive had a few different jobs

mf0u1098

webitha wrote: »

wooohoooo i finally got my first wage and my tax credits through and have paid off some debt :j:j:j:j
so i am declaring that
No 174 - 2646.40/5350.65

nearly halfway there and its only the beginning of April :T:T:T
only got £100 left on 1 to go and am seriously considering just paying it off then i will be over halfway, OR should me and the kids have a treat seeing as we have gone without for so long??????

I bet it's a great feeling getting that 1st wage!!! :j And... you're at 49.46% so you are sooooooooooooo close to 50%!!!!! :T:T:T

Superheavy wrote: »

Hey Antonia,

Looks like quite a few of us are living at home with our parents ..........and I've barely ironed a shirt in 9 months.

Can I move in with you????!!! :rotfl:

mrso2b wrote: »

GRRRR I overpaid Barclaycard to round it up to £200 and they havent taken out the minimum by Direct Debit. So annoying!

I've paid my usual payments to Egg and Halifax:

152 mrso2b £1,412,12/£12,000

I'm not doing too well am I? I need to up my game.

I think you're doing fabulously well hun! Being at nearly 12% is nothing to be sniffed at considering we have all been in debt for soooooo long...! Give yourself a massive pat on the back for what you've achieved and now put a plan of attack together to up the ante!!! :T:T:T

mf0u1098

kerri_dfw wrote: »

Try on ALL of your clothes...

:rotfl: Just had an image of Joey and Chandler when Joey wears all his clothes at once! Made me chuckle :rotfl:

mumof3plusoh

jakes-mum wrote: »

Hmmm well I have slowed down on the voucher collecting but still get one about once every 2 weeks :think:

I do the daily poll everyday, the NOSO everyday, 2 x searches (really obscure things to try and get higher points, like random sayings from whatever im watching on tv :rotfl:), check swagc0de sp0iler regularly, watch the videos on special offers/supersonic (you can have them all running at once ), check for surveys on special offers/peanut labs.

Make sure your info on the survey page has been completely filled in, and . . . well . . . I may not always be completely honest when filling thm out ive had a few different jobs

Thanks for that I will give it a try.:D

catmort

mf0u1098 wrote: »

Hey you've done fabulously on your weight loss so far hun! 7.5kgs??!!!! Fantastic!!! :T:T:T

Thanks, although I didn't go for that run this evening , work this afternoon really tired me out. I'll have to go tomorrow now, and expend less energy at work so I'm not tired again! :rotfl: