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

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  • camuk81
    camuk81 Posts: 1,559 Forumite
    Ninth Anniversary Combo Breaker
    Hi guys, Well back on board. Well decided just to get on with it.

    Had a few good days and bad days, my lovely recurring medical problem has floored me in bed all day in agony! thankfully had a scramble through my old handbags and found some antibiotics.

    Looked at my payments for this month and Jun and due to new salary can't meet the payments to pay off by Christmas.

    However had another piece of good news husband quarterly bonus payment is due in the next few weeks, so should have some cash to chuck at debts.

    The rate things are going with new salary over 70% salary is debt up on debt repayments after the bills so quite a breather!

    Spag I'm widly optimistic I win the euro this week. Slim to no chance me thinks!
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Camuk hope you feel better soon :( glad you found some pills to help you through.

    J-M, those cash points don't even look like normal ones!?!?! How annoying, smack him round the head and tell him to never do it again :)
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • lemonpopsicle
    lemonpopsicle Posts: 663 Forumite
    Part of the Furniture 500 Posts Combo Breaker Debt-free and Proud!
    edited 7 May 2012 at 8:30PM
    :mad:
    jakes-mum wrote: »
    OK is it only me who thinks my DH is a complete idiot sometimes :mad: hes only gone and taken £10 out of one of those poxy cash machines that charges you :mad:

    His excuse 'I didnt know it charged' umm it says in big letters on the screen before you take the money, 'oh I was trying to save money by having some cash to buy coffee from the burger van instead of from the coffee shop' well done you, your 'money saving' idea cost us 20% interest. Sometimes I do dispair, I really believe that he is trying to sabotage my debt paying at times :mad:

    Well because I was so narked, I paid another £25 off one fo the credit cards (no idea which one, just picked a random one off the list :o) so new total is:


    £3901.62/£8806.89 44.3%

    It's not just your OH J-M my DH paid £1.75 to get a tenner out of a cash machine to buy his lunch when he'd got £60 cash from a customer in his pocket!!!!!!!! Sometimes I despair :(

    PLUS, the machine was in a village shop where if you spend £5 you can pay with your card for free :mad:
    Life's little instructions- Treat everyone you meet like you want to be treated..Watch a sunrise at least once a year..Strive for excellence not perfection:j
    £2 SC no.70 £140/£350
    SPC no.73 SPC9 £248 SPC10 target £250
    DFBX12 No. 069 £7719 / £7719 DEBT FREE 30/11/12
    2013 mfw No.4 MORTGAGE FREE 5/8/13
  • affordmylife
    affordmylife Posts: 1,224 Forumite
    Part of the Furniture Combo Breaker
    hi everyone.

    i have spent nothing this bank holiday weekend. i have had a lovely weekend catching up on chores, cooking, gardening and knitting etc. i wanted to go to the garden centre to buy a wisteria but my lovely dad said he will cut a bit of his and grow it for me (well he said something more technical than that but i have no idea what he meant) anyway the upshot is that its free rather than about £25 so im very happy about that.

    back to work tomorrow. another 12 days until payday and i have no money left at all. hubby will have to pay for the food shopping this week or we will go hungry.

    have a good week all xx
  • Shrewbie
    Shrewbie Posts: 939 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Hi all

    As I feared the bank hol has set me back a bit. I spent £94 this weekend, double my weekly spend budget of £50 :( which means that I only have £45 left for the next two weeks and I'm going to Brighton next week like loubie lou!

    I've had to tell myself that if I go over my £200 extras spending budget for the month (split £50 weekly) then I'll eat into my holiday ££. Can't see how Brighton can be done on £45 though!!

    Only consolation is that this weekend could have been sooo much worse if I hadn't been as conscious of my spending as I've become lately, so I suppose I am learning something!!:o

    I think I need to adjust my xmas total as for the next couple of months I will only be paying off my OD so made it my xmas challenge just to pay off that, whereas after my hol in July I'll make payments to my CC to, so I'll make a new total of £2,850 to pay off by xmas.

    CC payment comes out on the 11th so I've still not made a payment.

    Get my season ticket loan paid into my current account tomorrow so was wondering whether to pay it with my cc so effectively ALL my debt will just be on the CC, however my CC has spending APR of 29.9% (not paying 0% on the amount currently on the card - almost £3K) and my OD has 20% interest, so although would be nice to only have the debt in one place, and getting my salary paid into an OD is annoying think I'll keep it how it is purely due to the interest.

    Canuck's fan, nooo I don't think I could live without English brekkie :):):) what's your address I'll post you one. our local cafe does amazing sausages.

    Hope everyone had a good bank hol :beer:
    Student loan £5655
    House deposit €32,667K/€40k
  • SpagBol
    SpagBol Posts: 1,371 Forumite
    So this morning I've managed to pay the £1400 to the CC...

    #084 £8150 / £58000

    I really wanted to pay off £10k by the end of May so we'd better get selling/earning/dieting :rotfl::rotfl: Hopefully DH will check his payslip and discover an error and I'll get my tax rebate at some point this month :T
    DMP started Oct '17: £79,974 :eek::eek::eek::eek::eek:
  • jakes-mum
    jakes-mum Posts: 4,638 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    SpagBol wrote: »
    So this morning I've managed to pay the £1400 to the CC...

    #084 £8150 / £58000

    Thats an amazing amount to pay off :eek::eek: Did you happen to have a stash of money in your mattress? :eek::eek: :rotfl:
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) £1596.55/£1000 (13) £1534.70/£1000 (14) £775.60/£1000 (15) £700.20/£1000 (16) £2081.34/£1000 (17) £1691.15/£1000 (18) £25/£1000
  • SpagBol
    SpagBol Posts: 1,371 Forumite
    I wish Jakes-Mum :rotfl::rotfl: no that money is from overtime (and some second job work) payments from both me and DH this month. It is hard work but worth it for the 4 paydays a month :D

    I still need to think about selling DH's body to get the £1850 we need for my target by the end of the month. Might go and rummage around in my bra drawer too :rotfl:
    DMP started Oct '17: £79,974 :eek::eek::eek::eek::eek:
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Moaning! Expenses have said I have to wait 2-3 working days for the payment to go through?!?!?! It never takes that long, how annoying! I'm going to blame the bank holiday and just assume that everyone put theres through at the same time so that's why there's been a delay, grrr. I just want to pay more debt off :(
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • SpagBol
    SpagBol Posts: 1,371 Forumite
    Grrr on your behalf Kerri :mad: We have the same problem with DH's expenses and bonus here so I feel your pain. They are blaming the BH too.
    DMP started Oct '17: £79,974 :eek::eek::eek::eek::eek:
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