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

jakes-mum

starnac wrote: »

Well done jakes-mum. You must be so pleased at paying off your loan AND over half way. Double celebration. :j :j

Im thrilled but a little bit scared if im honest, ive never got to the end of a loan, we have either renewed or paid it off with money from a house sale. I've suddenly realised ive got £180 spare to pay off the CC's but what if it all goes to my head and I run round the shops flashing my bank card :rotfl:

fallenwiccan

jakes-mum wrote: »

Im thrilled but a little bit scared if im honest, ive never got to the end of a loan, we have either renewed or paid it off with money from a house sale. I've suddenly realised ive got £180 spare to pay off the CC's but what if it all goes to my head and I run round the shops flashing my bank card :rotfl:

As long as you only flash your bank card and nothing else :rotfl:

tirlittan

You wont jakes-mum. Well done on your payments and getting half way!

mrsyallop

Well done jakes-mum. I have one loan payment left on one of my debts and I am so excited for it to be paid off! The money will be used to pay off the other debts which means they will come down quicker soon! Exciting!

jakes-mum

fallenwiccan wrote: »

As long as you only flash your bank card and nothing else :rotfl:

oooo possible avenue to wangle discounts in stores :think: or a way to curb any spending as I would prob spend some time in a cell :rotfl:

starnac

jakes-mum wrote: »

oooo possible avenue to wangle discounts in stores :think: or a way to curb any spending as I would prob spend some time in a cell :rotfl:

It will def curb your spending in that shop as they will ban you :rotfl:

his_missus

Just a quickie before I go to lunch, will catch up on your news this afternoon, I promise. Penultimate loan payment has gone out so my total now stands at...

:T#012 £3306/£6583 50.2%:T

his_missus

jakes-mum wrote: »

Im thrilled but a little bit scared if im honest, ive never got to the end of a loan, we have either renewed or paid it off with money from a house sale. I've suddenly realised ive got £180 spare to pay off the CC's but what if it all goes to my head and I run round the shops flashing my bank card :rotfl:

Hmmm...I can't imagine you running round the shops being frivolous:D

BNS - I think probably more people are/have been where you are today at some point in their lives, I guess it's just one of those taboo topics, though it really shouldn't be. If you can't face the world, I'm pleased you're reaching out to us

On our way back from town we have been discussing our finances and Hubby agrees that, come July payday when I have no more loan to pay, I should pay £500 off the CC each month. It's do-able though we may have to be a little more MSE especially regards shopping and meal planning. It's my only hope of being DF by Xmas...

jakes-mum

his_missus wrote: »

Hmmm...I can't imagine you running round the shops being frivolous:D

Nor can DH :rotfl: when asked what i'd do when we were debt free I replied . . . 'save' :rotfl::rotfl:

I wish there was a loan free roll of honour just so I could be on it

Been into the bank and cancelled the DD to Mr T, the nice man at the bank celebrated with me, especially when I told him its the first time in 10 years ive been loan free :rotfl:. Also booked an appointment to take DS down to open his first real bank account (he had a little savings account in my name before, but he gets a cash point card now he's 11!) and ive decided to set up a SO for his pocket money each month so he has complete control over his money. Teaching him early about budgeting , he will NOT be like his dad with cash!

Uniscots97

Just seen on the news that the MSE website has been sold!