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

fritterprincess

Well everyone I've been a brave girl and reduced my overdraft online by £250! I think that's the only way im going to force myself to reduce it. Just another £4000 to go! I'm going to be really frugal this month plus I should be getting another £350-400 from overtime. Whatever I have left in my account on next payday-the 24th july (aiming for £500) I will reduce it again by the amount. Then I'll be able to update my amount here. I've had an overdraft since I went to uni in 1995, it will be so weird to have an account in positive balance, rather than having to work it back all the time and look at available balance. What a strange concept it will be. Was hoping to have cleared it by sept/oct but being realistic its going to be a bit longer now- you never know! My daughter starts school in sept so I will be child free mon- fri school hrs so might crank up the overtime. On well Oncall tonight so better go now!

recurrent-ostrich

fritterprincess wrote: »

Well everyone I've been a brave girl and reduced my overdraft online by £250! I think that's the only way im going to force myself to reduce it. Just another £4000 to go! I'm going to be really frugal this month plus I should be getting another £350-400 from overtime. Whatever I have left in my account on next payday-the 24th july (aiming for £500) I will reduce it again by the amount. Then I'll be able to update my amount here. I've had an overdraft since I went to uni in 1995, it will be so weird to have an account in positive balance, rather than having to work it back all the time and look at available balance. What a strange concept it will be. Was hoping to have cleared it by sept/oct but being realistic its going to be a bit longer now- you never know! My daughter starts school in sept so I will be child free mon- fri school hrs so might crank up the overtime. On well Oncall tonight so better go now!

Well done! Our OD is £3500 and I hate never being in credit, but it's not our highest interest rate debt by a long way, so will have to stay for a few years yet.

MFWannabe

A payment of £300 for me please:

#191 £2500 / £4000

mf0u1098

Hey everyone, it's my dad's birthday tomorrow so we had all the family round today for a buffet. It was actually a success which was a shock as family occasions are always really stressful in our house!

Running club tomorrow night which I'm looking forward to but I hope I don't feel so sick this time!

No debt busting to report, in fact I was really naughty and bought a garmin to accurately measure my distance for next years running challenge, however, it has something called a bezel to scroll between options and menus and it is just awful... I cannot begin to tell you how frustrating it is to use. I am seriously thinking of selling it straight away and just getting a stopwatch and will track my mileage online instead by plotting my route...

Anyway, I'll disappear and do some updating now! xxx

fritterprincess

recurrent-ostrich wrote: »

Well done! Our OD is £3500 and I hate never being in credit, but it's not our highest interest rate debt by a long way, so will have to stay for a few years yet.

Thanks recurrent ostrich!
Until last month we were only charged £7.50 a month, but Santander have increased it now to £20 a month, which is not so bad really but would still rather not pay it. I'm aiming for £3500 by the end of July.

psychopathbabble

Ooh I do love a big update… the easiest way of keeping up! Welcome to the newbies!

It’s official, I’m back to work on July 8th… I guess it will be good to get back but I’m very nervous. Just hoping it doesn’t translate into panic attacks as it did to my friend who had to stop flying! Better make the most of my last couple of weeks of freedom… can’t believe I’ve been off for 7 months. Mr S’s birthday was good, although he had to ‘look’ after me a bit… he was upset he couldn’t have his birthday beer but I did argue that me having been in hospital was circumstances beyond my control! We signed up today for the unlimited cinema thingy… yes it’s £15 per month but we do quite often go the cinema, and at least this way we can watch films for free if we have an evening to do something. I also get to have a girly evening with Mr S’s mum and sister on Friday as I’ll be staying at their house on my own (not nervous about that at all!!!!). Less than 1 month until my race for life… I’m so not going to run it, what with taking it easy this week and then 2 weeks training for work, I’m not going to have anywhere near enough time to be able to run up to 5k! I guess it’s the taking part that counts!

Fritterprincess – well done on reducing the OD

Jemma – I’d sell it if you aren’t happy with it, I know I don’t use stuff I find fiddly… can you use any phone apps and keep a track of your running every day? Glad you had a nice day for your dads birthday.

Mrs addicted to spending – every little helps as Mr T says! 50p a day is equal to over £150 per year!

Natlie – congratulations on the wedding! (not sure I’ve said it before)

Brandnewstart - can I have some of your motivation for exercise?! I must go to the gym this week, try and get into it before I go back to work. 41 miles! That’s amazing! Me and Mr S are both needing to be healthier as we have put on a fair amount of weight in the last year…

Jakes-mum – hope your finger is ok! I could easily eat 13 bars of chocolate…. And lucky you getting an ipad!

Rosiest – hope the house sells quickly… a month doesn’t make much difference in the grand scheme of things but hope you can get it back

Pedro – how did the race go?

Camuk – your night out sounds like what I need! Hope you have recovered now! Well done on paying off the 2 loans.

Starnac – consider your butt kicked!!

Loubie - I’ll forget so I’ll say now: HAVE FUN on holiday!

Shrewbie – hope things are better for you now

His missus – I’d be mad too… (most) blokes just don’t get it! Mr S tells me all the time he has stopped spending… well he hasn’t cos he is still dipping into his savings and not knowing where his money goes!

Kerfuffle

psychopathbabble wrote: »

It’s official, I’m back to work on July 8th… I guess it will be good to get back but I’m very nervous. Just hoping it doesn’t translate into panic attacks as it did to my friend who had to stop flying! Better make the most of my last couple of weeks of freedom… can’t believe I’ve been off for 7 months.

Great news psychopathbabble - I'm so pleased for you. :T

Mrs_Addicted_to_Spending

psychopathbabble wrote: »

It’s official, I’m back to work on July 8th… I guess it will be good to get back but I’m very nervous. Just hoping it doesn’t translate into panic attacks as it did to my friend who had to stop flying!

Mrs addicted to spending – every little helps as Mr T says! 50p a day is equal to over £150 per year!"


Great news about your job although it will be scary at first. I'm sure you'll get back into it before you know it. Good luck with the preps for that .

Thanks about the 50p a day thing - it's little things like this that can keep me motivated :T.

jakes-mum

Oooo Yayyyy! Psycho, back to flying the finger is a bit sore this morning, had to do the peeling the cut off the paper thing this morning :eek: was painful but at least it didnt start bleeding all over the place again! Have wrapped the tissue round it again as its def not ready to hold its own against the world without help note to self, blade of slicer is very sharp!

his_missus

Morning all!

Welcome on board Tinks.

Good news Psycho, I'm sure you'll be fine if a little nervous.

Feeling a bit confused dot com today. Received a letter from Mr Taxman telling me I've underpaid by £600 even though a few weeks ago I received a cheque saying I'd overpaid by £600 :undecided Glad I asked for them to reissue the cheque in my married name (not yet received, could take 6 weeks) Going to call them up tonight after work and ask them to get it sorted. The underpayment letter took almost 3 wks to get to me too.

I've started speaking to Hubby but he is still in the bad books. He denied his little jolly was costing that much so I told him to work out the maths, maybe this why we're in so much debt. We don't realise the complete cost of things when we buy bits here and there or wop it on the CC.

Off to pretend to do some work :rotfl: