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

lemonpopsicle

Oh and I wonder how Kerri is getting on

Mrs_Addicted_to_Spending

tinks14 wrote: »

Thank you Mrs Addicted to Spending! Really going to make a go of this :j

Good luck !

Mrs_Addicted_to_Spending

Made a very small payment today due to salary problems this month, minimum payments only, so £34 which gives me now:

#278 £2024/£4515 (45%)

I wish it could be more but such is life and because these are 0% interest cards at least it does come off the actual amount owed. I'll get there eventually.

natlie

my list of 10 things to do when debt free

1. have a honeymoon we got married 2 weeks ago but no honeymoon likely anytime soon
2. Move - our house is tiny and poor ds is sharing with us - ok at the moment he's not 1 yet but likely we wont be moving until 2015 realistically! we took our bedroom door off to fit cot in so not ideal sleeping conditions
3. buy the kids new clothes
4. get car tidied up - need a new wing mirror and have some scratches
5. double up the kids savings monthly
6. start a savings account for us
7. get the kids bikes
8. buy myself a nice coat and a handbag
9. get my hair done
10. buy a vw campervan

May2013

Hi All

I haven't updated for ages - hope everyone's ok (not had chance to read back yet). I took a quick look at progress on the front pages....there are some great achievements there, well done everyone – and four members have achieved their DF goal!!!!
:T Congratulations Rubywhatashmoo, January20, Barbeduk & Katiec950, so pleased for you :T

I’ve been working furiously towards achieving a debt free status before the end of the year, as it stands I’ll now be DF in October but hoping I’ll be able to pull that forward to September – below is my updated total

#046 £9390 / £14,128 66%(I think)

Good luck to everyone in achieving Debtfreedom before the end of the year x

SpagBol

tinks14 wrote: »

Thank you Mrs Addicted to Spending! Really going to make a go of this :j

Hello and good luck Tinks! :beer:

May2013 wrote: »

Hi All

I haven't updated for ages - hope everyone's ok (not had chance to read back yet). I took a quick look at progress on the front pages....there are some great achievements there, well done everyone – and four members have achieved their DF goal!!!!
:T Congratulations Rubywhatashmoo, January20, Barbeduk & Katiec950, so pleased for you :T

I’ve been working furiously towards achieving a debt free status before the end of the year, as it stands I’ll now be DF in October but hoping I’ll be able to pull that forward to September – below is my updated total

#046 £9390 / £14,128 66%(I think)

Good luck to everyone in achieving Debtfreedom before the end of the year x

Well done that's a great percentage paid off! :j:j:T:T

Oh, and Natlie...I'd love a camper van too

Flipping Natwe$t won't let me into my online banking so I can't make any payments today :mad: I'd better get paid tomorrow too :mad:

SpagBol

Oooh just checked my other bank account and a DD to a CC has registered so I will declare:

#084 £9590 / £58000

Should feel :j but feel a bit :doh: that we haven't paid much off this month. I suppose we have done a birthday month without having to spend on a CC which is good but we have NO rainy day money left...shame really 'cos it's peeing it down :rotfl:

BrandNewStart

May2013 wrote: »

Hi All

I haven't updated for ages - hope everyone's ok (not had chance to read back yet). I took a quick look at progress on the front pages....there are some great achievements there, well done everyone – and four members have achieved their DF goal!!!!
:T Congratulations Rubywhatashmoo, January20, Barbeduk & Katiec950, so pleased for you :T

I’ve been working furiously towards achieving a debt free status before the end of the year, as it stands I’ll now be DF in October but hoping I’ll be able to pull that forward to September – below is my updated total

#046 £9390 / £14,128 66%(I think)

Good luck to everyone in achieving Debtfreedom before the end of the year x

Awesome work May2013, well done! #inspiring

fritterprincess

Hi all!
Have thankfully been paid and have some overtime booked for this month as well but must admit I'm finding it hard to hit the debt busting with as much gusto now! It was a lot easier to pay a chunk off a credit card each month, but my last debt is my overdraft so it is much harder to not to keep tapping into it. Any ideas how I can make this any easier?!

Must admit that we did treat ourselves to a decent tv for our bedroom. After being a one tv household for a year now the thought of a summer of constant football, rugby, cricket and Olympics as well as kids tv tipped me over the edge and I finally relented!! Still I haven't treated myself for ages and have worked really hard over the last few months.
I'm going to keep my spending to a minimum this month and will update a total before I get paid again in July. It would be great if I could get my OD down to £3500. Here goes!!
Good luck with your debt busting this month.xx

BrandNewStart

Hi Tinks, welcome and good luck!

FP, my next target is t get rd of my O/D! I HATE being overdrawn. I have been for years and years and it stresses me out! CAN'T WAIT to get rid... good luck with yours, hope you can feel motivated to clear it too.

At least now I have paid off my ex I can concentrate on sorting my own finances out. I am still paying for her ring too, so I guess I should find out how much is left on that and add it to my list. It's 0% so I guess it'll be the last thing, but it still counts as debt doesn't it?

It has been good to think about targets for when I am debt-free. Here are mine:


My list of 10 things to do when I am debt free:

1. Get my own place again - hopefully a little house with a garden and somewhere for my bikes-rented to begin with
2. Start overpaying the mortgage on my flat (rented out ATM) to eventually get it out of negative equity (or am I not debt free til I have done this?)
3. Save to actually go on holiday -so many places I want to see - California for example and some skiing
4. Get a decent computer (MAC mmmmm!)
5. Get an amazing road bike - but not until I have lost some weight
6. Get a really smart suit for special occasions
7. Save up a buffer amount - 3 times my salary - in case of emergencies
8. No more gnawing anxiety about not having any money/running out at the end of the month
9. Buy healthy organic food
10. Have a fund for cards, gifts and pressies for friends, family and colleagues so it becomes planned as part of life and not an "extra" I am somehow unprepared for!!