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

mf0u1098

HELLO!!!!! :wave::wave::wave: Sorry I've not been around for a few days but I've been seduced.... steady on! I meant by the weather unfortunately... :rotfl: I've had such a good few days out in the garden earthing up my potatoes, my peas are starting to flower , we've been putting up fencing, I've been eating my first homegrown strawberries and I'm all excited by the rest of my veggies growing. I spent a little too much at the garden centre on Friday but the gardens look fabulous now and it was sooooooo lovely to see the garden centre allotment to see how my plants will look (hopefully!) in a few weeks *jumps up and down like a child* :j:j:j:j

How are you all??? Have you been enjoying the sunshine peeps? I think we are going to have a fabulous total for May, we've only got a few days left so lets all dig deep into our pockets and knock our April total out of the water!!!! xxx

seriousDFW

I haven't updated my progress on the thread for ages for two reasons. Firstly I find it hard to keep up with how quickly things go on here! And secondly because I have been thoroughly ashamed (but ultimately unapologetic) for putting my debt-free date back a couple of months with a very conscious decision to have a trip to New York in August. We have justified this as we will still be DF (if present circumstances don't change) by Christmas 2012, and as I'm a teacher we're limited to when we can have holidays, and wanted to go in the big six-week break, but didn't want to wait until next year as we will hopefully have started our family by then.

Anyway...

Even with having paid for the biggest expense (flights) in advance, here's our current state of affairs:

PAID OFF £3,817 OUT OF £10,722, which is about 35%.

Overall I'm quite pleased with this as hopefully we will be able to still have our big trip and get DF by Xmas.

When I say paid off - I'm also counting savings in this, as we've got all our debt on 0% deals now until this time next year, and so we're saving to earn interest, but we could pay off the CCs with these savings, so I'm counting it towards our debt-free total!

We have had help recently: two successful PPI claims have given us about £1,500 to pay off cards.

Hope everyone else is doing well, I'm going to go and check on the progress on page 1!

choclover

mrso2b wrote: »

Stupid Barclays. So I make an overpayment and they still take out the minimum payment, whereas last time I made an overpayment they didn't! Grrrrr!

152 mrso2b £2111.56/£12,000

I think it depends on how close your extra payment is to the date the dd is due to come out, if it's only a couple of days they probably don't have time to change it.

choclover

Nothing to report here, just waiting for DD to come out on Friday. Hubby has suggested not paying off his Cap1 as 1. we don't know how much he'll get paid next month due to being on Paternity leave (I've estimated it to be around £400 less than normal) and 2. we don't know how much tax credits we'll be receiving in June/July after baby is born (although they've estimated it to be around £200 more than what we are getting now).

So, I've agreed we'll be cautious and not pay any overpayments until we know both of these figures, just in case they're totally wrong! But if they're not by the end of July we should have around £800 sitting in the bank account which we can then throw at a couple of things.

SpagBol

Payday no. 2 here but sadly not a bumper month. Have made a payment though:

#084 £9001 / £58000

:j £9000 :j Another milestone!

NicoleWild

Hey all can I join?

I have £3,125 to pay off before xmas this year, and this morning I've finally made a dip in it and paid off £34...

£3,091 left to go!

sam09_2

Hello Everyone! Have not been on here much lately but have still been at it slaving away for debt freedom! Had bit of a blip as i bought a 2nd used car as my son is now in nursery every morning, but it has been completely worth it. Please could my totals be updated to:

Number- 47 Sam09 £4841.50/£12724

Thanks Jemma

kerri_dfw

Morning everyone. The cc have increased my credit limit so I'm sat here chanting "must not buy sewing machine, must not buy sewing machine, must not buy sewing machine"

I've got to fork out for new tyres on the front of my car and an MOT this coming month so just called the insurance people and asked them to put me on monthly installments. I also need to pay for the dentist which is another £200 eep! June is going to be expensive!!! "must not buy sewing machine, must not buy sewing machine"

suzitiger

Hi everyone,
The sunshine has gone here which is kinda good as I need to get on with computer stuff today :cool:
Good luck with the 5k Bonglecat, and good for you for signing up for the challenge!
Kerri DO NOT BUY THE SEWING MACHINE...yet :rotfl: we're watching you....make some jewellery and save for it it sounds like you are very similar to me in that you get very excited and creative when starting a new project, but if you lose interest in it when the next one takes over it can be very hard to motivate yourself to finish the old one. DO IT, you will feel so much better!! Sorry for the nag but if your like me then you will need it
Welcome to Nicolewild, Jemma will sort you out with an number and get you on the first page, it sounds like you are off to a good start :T
Well done to Spagbol, Sam09, seriousDFW for your recent payment and everyone else who has made in-roads again recently, keep chipping away!
Catmort i hope you get your phone sorted, pretty sure you are entitled to leave your contract early and look for a better deal if they are doing this.
Well done Psychobabble for finishing all your uni assignments :beer: make sure you celebrate in style! (that's moneysaving style )
Sorry to anyone I have missed, i have read your posts if I have thanked them! :A

suzitiger

Oh Jemma, I can't believe I missed you, hope you have had a great time in the garden, its good that it has been quiet on here cuz that means everyone has been enjoying the sunshine and rightly so :-)
:wave: Hi to Jakes Mum, choclover and hismissus, I feel like I don't say Hi to you often enough I always enjoy reading your posts and i am pledging to reply more personally to more people because I enjoy the chit chat on this thread and i have more time to post again and not lurk now :T