The "Pay ALL your debt off by Xmas 2012" challenge - PART 3!!!

minicooper272

Completely forgot to give a debt update - I paid an extra £105 last week, and have some travel expenses due back this week, so new debt figure is:

#338 £211/3486 = 6.06%

I'm slightly dreading this week though, something metal and ominous fell off my car on Friday! So keeping an eye on it this week for anything else/full collapse. It may put me back a few steps on the debt ladder!

KissyKissyKaren41

Morning all from rainy Wales, just wondering if anyone has a halogen oven that they use regular and if so do they save you enough cash to justify the initial outlay I must be getting better as I usually buy first then ask lol x

BrandNewStart

mf0u1098 wrote: »

Oops, I may have just realised why I have felt a bit dizzy today, after all the exercise I've done throughout the day I have only had 620 net calories...I should be on 1350 for the day (1799 including the exercise allowed). I don't feel hungry though so hopefully it should counter-act a bad day...

Eeek! I have just started looking honestly at calories and food and exercise and feel so much better for it already, wish I had done it before! I can't wait to lose weight and get fitter

I am a pretty regular cyclist, I like to enter "sportives" - a bit like a fun run on a bike. I have entered the Tour of the Peak in 3 weeks' time so I need to get training! One thing I have noticed though is for me it's all about nutrition - if I don;t eat right, it doesn't matter how much exercise I do! Your routine is inspiring to read :T

Barbeduk

Hi all, and a happy bank holiday Monday!

Well we have done nothing this weekend apart from walk the dog and it has been lovely! Our only spend has been under a fiver at the co-op on beer, crisps and whoopsied donuts . So in celebration of this frugalness I did another 'round-down' of the current account so another £8.42 to the cc.

So #319 £4560.28/£6109.94

Only sold 2 of my 5 on fleabay Might not bother relisting the others again and just pass them on to my friend's daughter instead.

Enjoy the last of he weekend folks.:D

1stTimer

Hi All

Looks like this is going to be my new challenge! can i join pretty please??
Currently want to pay off 3 credit cards by xmas
I have my personal one £1351.55
My sisters card £2166
and our joint card £2702.23
so thats £6219.78 to clear :eek:
I woke up this weekend and all my plans had changed, rather than blowing every penny i get i want to save save save now. think an adult gene kicked in over night:o
look forward to following, have a great bank holiday Monday

SpagBol

Well done everyone on more debt busting! :j

I am v frustrated today. I can see DH's salary to be paid into our account but it won't clear until tomorrow so can't pay off any of the CC yet!! :mad:

Also looks like DH wasn't paid enough and he can't look at his payslip until tomorrow either. Harumph! Oh well, I will enjoy my pj day of films, a roast and maybe a short run and wait for my big payment tomorrow

lemonpopsicle

mf0u1098 wrote: »

Hi all, here’s my EPIC post...



Lemonpopsicle – I have to admit that I dropped out of all the “pots” challenges as I am paying every penny off my debts so didn’t see the point in putting something in a tub when it could go on a debt. Can’t wait until 2013 though when I can start saving with gusto! Oh and you’re welcome about running the thread. It’s you guys who make it awesome! Yay being over 50%!!! I’m soooo jealous...


What an epic update Jemma! Must have taken ages. Thank you x
I've decided that I'm still going to put coins in my pots but empty them more frequently and keep a sort of running total on here. The coins that go in aren't really missed, and I fear they would disappear into the ether (or into choccy bars or McD's) if I had access to them.:o
With that in mind I'm going to count up the coppers and pay towards cc tomorrow. I'll update a bit later.
It's turning into a sunny day here in Pembrokeshire, DH may have to go out and do some paid gardening work to catch up after a carp week.

Ruthy1604

Hi all,

Well we're having a pretty good MSE weekend. Took the kids to Blackpool yesterday - DH's company car has fuel provided so free to get there & we went up the Tower, watched the circus & went into the dungeons free using our Merlin passes. Lunch was a £3 meal deal from subw@y each & Gr@ggs for the kids so less than a tenner spent. I hate arcades, but I bought the kids a pounds worth of old pennies to use in the victorian arcade & they had the best time ever!

We spent ages walking up & down the seafront & pier in the sunshine & the kids wanted a go on a tram so they got on with DH & I walked back up to meet them ( I could do with the exersise) We even parked on the street for free as it was a sunday! We did splash out on fish & chips though, but all in all I spent less than £30 which I was pretty chuffed with :D

Today I've been planting my veg out in the garden (in the rain) so I'm hoping for a bumper crop of runner beans and courgettes in the summer (if we ever get one )

Hope everyone else is enjoying the bank holiday.

Ruth

miss_emmajane

minicooper272 wrote: »

Hi miss emmajae- welcome to the group! I notice you say you have £1700 in an interest free student account and £1850 (?) in a non-interest free student account. Try moving your student account (it's allowed as long as you close the other one!) to one that gives you a higher interest free limit- at least that way you will save yourself the interest each month! Halifax/BoS give £2700, and there are others that give up to about £3k! The money you save on interest will go on debt busting! Martin has a really good page that shows you who offers what.

Thanks for your comment, I tried to get a Barclays student account in my first degree but got declined, so for this one I went with CO OP. Can't actually remember my reasoning behind it.

Will look into changing that as it would definitely make a difference!

vw_campervan_mum

Hi everyone- hope yr all enjoying this bank holiday :jweekend
Small update for me- £32 to cc. Its still short of 50% but another minimum cc payment goes out in 3 days which will take me over
# 234 £6216/£12468
Big month this month as it's my birthday on 12th - well remembered Jemma! - then DS2 is 21 on 21st may.
Lots of celebrating on the cheap to come

Kerri - Bristol is awesome idea it is full of creative and lovely people you will make a great life for yourself there

:beer:let's all keep up the debt-busting fight XXX