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

mf0u1098

Shrewbie – are you all set for your jols? I’m really jealous as I loved sailing... I really hope you and your OH can work things out hun x

Canucksfan – I am so relieved you are ok!!! Please please please take care of yourself and The Stubborn One. You are soooooo close to being debt free, I bet you can’t wait but take it easy and stop working so hard! 99.32%...!!!! ARRRGGGHHHHHHHHH you are soooooo tantalisingly close to being debtfree and I’m surprised you haven’t gone completely bonkers!!!

Choclover – I’m sure I’ve said it before but I’ll say it again... EMILY IS ABSOLUTELY GORGEOUS!!!!!!! I bet you are one proud mummy!

Fallenwiccan – oooh how was the hen do???

His Missus – Good for you standing up to the bank people about trying to consolidate a loan! Well it’s good news that you don’t owe any money but it’s kind of gutting that you thought they were giving you money and then they took it away again!

Jakes-mum – I’m sure you can make your debt free date creep to December, come on girl!!! Can’t you win and then sell some compo freebies??? Well done on your 2 updates in a day!

Camuk81 – ooooooh you are so lucky going behind the scenes at flamingo land!!!!

Kerri_dfw – I cannot even imagine how excited you are thinking it’s 1 more sleep until you see your OH again!!! Don’t worry about your debt hun, you’ve got 6 months still to get it gone...

Minicooper272 – have you managed to get anywhere with getting your overdraft charges reversed?

Tinks14 – well done! Every payment is a step closer to debt freedom

SeriousDFW – I bet you’re well chuffed to be almost at 50% paid off!!!

Ashleighsalem – you’re edging ever closer to 90%!!!

Recurrent-ostrich – what a great milestone to reach...the £30ks. I’m so proud of you x

KissyKissyKaren41 – there is no pressure to post hun so if you like being a lurker then that’s absolutely fine (although I do love hearing from you especially your fab updates!)

Spagbol – woop woop on being over £10k!!!! This has been very well earned so I hope you’re proud of yourself!

Lemonpopsicle – 65%!!!

Loubie_lou – awwww hun that’s superb, so many of you are achieving big milestones and I’m grinning away while updating. Well done girl!

Ruthy1604 – my back is much better thanks, just feel a bit stupid for falling over my own feet! I really really hope you can hit your goal of hitting 60% by the end of July x

mf0u1098

mf0u1098 wrote: »

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

In June we have paid off......

£43,814.59

This means that we have paid off a total of

£474,231.82!!!

since this challenge started

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Next step is pushing this over the HALF MILLION mark!!! :T:T:T

Just realised I forgot to update my total for June... oh well I'll just add it to July's! xxx

mumof3plusoh

mf0u1098 wrote: »

Next step is pushing this over the HALF MILLION mark!!! :T:T:T

Just realised I forgot to update my total for June... oh well I'll just add it to July's! xxx

FANTASTIC and well done to everyone. Huge, huge thanks also to Jemma for all your hard work in running this thread. x:T:T:T:T:T

fritterprincess

mumof3plusoh wrote: »

FANTASTIC and well done to everyone. Huge, huge thanks also to Jemma for all your hard work in running this thread. x:T:T:T:T:T

Ditto!!! Thanks Jemma!x

recurrent-ostrich

Wow! Nearly half a million quid. That's amazing! Well done everyone. :T:T:T:T:T

SpagBol

mumof3plusoh wrote: »

FANTASTIC and well done to everyone. Huge, huge thanks also to Jemma for all your hard work in running this thread. x:T:T:T:T:T

Agreed, what a lot of calculating and posting you must do! Thanks for keeping it going and therefore me sane :rotfl::rotfl::rotfl::rotfl: And I am proud of myself but also cross because we should be at 20% this week Still good though

Anyhoo a DD has come out for one of the CCs so:

#084 £10278/£58000
17.72%

:j

Superheavy

I don't think I can say "Amazing work team!" without thinking about one of our regional managers who uses that phrase a lot, but it really is relevant. Every month I imagine the type of house that we could buy between us...and it's starting to look pretty swanky!

Thanks Jemma....I probably wouldn't be as far along with the debt busting as I am thanks to this thread...I probably owe you a pint or two once this is all over!

Just think...the average credit card interest rate is 17.3%. If we'd all left those balances on the credit cards for the first six months we'd have paid over £41k in interest alone. :eek:

Time for a well deserved :beer:. Yes, at just before 8am on a Tuesday!

Mrs_Addicted_to_Spending

Yes well done everyone and thanks Jemma .

Kerri - bet you can't wait to see your OH !!

Ruthy1604

mf0u1098 wrote: »

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

In June we have paid off......

£43,814.59

This means that we have paid off a total of

£474,231.82!!!

since this challenge started

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Wow - thats brilliant - Well done everyone:T:T

Bonglecat

Mrs_Addicted_to_Spending wrote: »

I sympathise with this - my DH is not being too bad atm but I can never be sure he isn't suddenly going to go on a mad spending spree and wreck all our hard work. QUOTE]

Hi I just wanted to get in on the DH thing here. A couple of months ago I convinced mine to cancel his credit cards and put them into a consolidated loan. To ensure he did get rid of them I gave him a card on my M&S visa account (the only cc I have) on the understanding it was FOR EMERGENCIES ONLY.

I came to check my balance on pay day to see that he had spent £31.90 on it for water filters for the pond, in my mind NOT an emergency. I won't go into all the ins and outs of this but his argument was that I hadn't made it clear!!!! :mad:

Because I've been dropping the limit on the card to match the repayments this actually took us over limit. I don't think we've been charged for that but it was a close thing and it was on 0% but now we're being charged interest on this, okay it's only 17p so far but :mad::mad:.

I'm really worried that I can't get him out of the mind set of "I want it, therefore I need it, therefore I will buy it without consideration for where the money is coming from because I want it"