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

mrso2b

InsertWittyName wrote: »

I cleared my Halifax Card a while back (via a BT) and when I rang up to close it they offered me a 0% BT on that card too.

Might be an option mrso2b.

Thanks I'll keep that in mind.

jakes-mum

Ouch Jemma thats painful hopefully it will ease off soon.

Well done on your CC's Mrs02b :T thats an amazing achievement

Well done to everyone else who has made payments/got rid of debts

No payments for me today, ive got Dh's credit card bill but its not due till the 17th and now im in positive figures in my bank account I begrudge paying B*rclays any more OD fees than I have too so am waiting till money goes in on 28th so i'll still be in credit when I make my payment :rotfl: taking it too extremes ladies and gents

mf0u1098

psychopathbabble wrote: »

Not much luck today.... hope you feel better soon

It's my own stupid fault for falling up the stairs!!! My feet aren't THAT big for heavens sake :rotfl:

mumof3plusoh

Oh dear Jemma, hope you are ok. x

mf0u1098

Camuk81 – WOWZER!!!!!!!!!!!!!! Look at your amazing total!!!!!!!!!!!!!!!!!

Starnac – paying off 35% whilst on SMP is an incredible achievement, don’t lost sight of this.

Mrs Addicted to Spending – Have you managed to work out if the £600 less a month is due to your tax code???

Suzitiger – I think it’s great that you have before and after pictures of your paperwork!!!

BrandNewStart – blimey you’re over 40% paid off already! That’s fantastic so don’t beat yourself up! Good work on the cycling front, whenever you don’t feel like going out then just remember how good it feels when you’ve done it and it will spur you to go out!

Camuk81 – Sounds like you had a fabulous night out and well done for the frugalness!

Recurrent-Ostrich – It’s so scary how much uniforms cost!

Affordmylife – are you ok hun? I’m sorry you’re having a tough time of it, can we help?

Mumof3plusoh – you sound so determined, love the plan of action to be debt free by August!

May2013 – HELLO!!! Lovely to hear from you and what an amazing amount you’ve paid off!!!

Spagbol – you are a whisker away from £10k paid off, what an amazing milestone that will be hun

Fritterprincess – I know exactly how you feel, I think we all go through times when we let go of the debt busting reins for a while but it’s how quickly we get back on the horse again that matters. You’ll get your overdraft down don’t worry, you’ve paid off a fantastic amount already!

Lemonpopsicle – I love all your updates, you can really tell you’re chuffed about them which is absolutely superb!!! Well done on hitting your SPC 6 months early!!!

Jakes-mum – great work on the overdraft, you are soooo close to 60%, come on, surely you can ebay something else???

Rosiest – it’s an amazing feeling when you don’t go in your overdraft that only someone who has been in debt for many years will appreciate! Good luck with your house sale, I’m sure you’ll still bust this debt by Xmas anyway!

Fritterprincess – whoop whoop on reducing your overdraft limit, it’s definitely the best thing I ever did. If only I could do the same with my credit cards...EEK!

FREEZ – nice work on your £300 payment!

His missus – have you managed to sort out with the tax man whether you owe them the £600 or they owe you??? Blimey, that was lucky he remembered the tax disc!!!

Mrso2b – you are a hairs breadth away from 25% paid off, come on, you can do it! Superb news on your CC’s!!!

Loubie_lou – not long till payday now then you can see how it feels to finally be in 4 digits for the first time in years, it really is an amazing feeling hun. Are you all ready for your jols?

Ruthy1604 – I lived in Liverpool for 10yrs, it is absolutely fab and there’s no place like it. Glad you had a good weekend with just your OH. I think it’s absolutely brilliant that you are taking the opportunities to be a couple but saving money at the same time. Congrats on your fab total, not far to 50% now hun!

Brightpurple – less than £9k to go!!!!!!

Canucksfan – How’s the scan gone????????????????? Are you ok? X

Catmort – hey, good to hear from you! Well done about moving, living with someone that you have issues with is no fun!

mf0u1098

mumof3plusoh wrote: »

Oh dear Jemma, hope you are ok. x

Yeah I'm ok thanks, I'm ok unless I twist a funny way. I'm just hoping that it goes away pretty quickly as I don't want to stop my running. My core muscles are quite week so I need to get back into the habit of doing Pilates often so that I'm not so injury prone! xxx

Kerfuffle

Gosh mf0u1098, you sound like you're in the wars today. Hope you're okay and have a better day tomorrow.

MFWannabe

Thanks Jemma

I've paid another payment tonight of £200. Getting really sick of thinking about it all the time now and considering paying off the remainder on payday (Thursday); but for now:

#191 £2700/£4000

mumof3plusoh

Thanks for the mammoth post Jemma. Look after yourself.

Shrewbie

Hi everyone

Thank you all for your kind words and hugs. :AThe OH and I have been trying to work through it. It's hard.

We are off to Croatia next Weds with a bunch of friends to a festival & bit of sailing. Considering checking my life insurance policy is valid in case OH fancies chucking me overboard

Jemma - Thanks so much for the hugs and for all the updating. Hope your back gets better soon so you can keep going with the running! It sucks when we're reminded we're not invincible!

Psychopathbabble - I feel the same as you, lack of friends in my area. if we can take small steps to branch out hopefully we'll get there. LOVE the cake btw!

Suzitiger - Ooh is this Moroccan shop you speak of still around in Brighton? I am often down that way - do you know where it is?

Hi to Tinks14!