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

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Comments

  • SpagBol
    SpagBol Posts: 1,371 Forumite
    Thanks Spag Bol. I can't afford to pay either one off by Xmas unfortunately :eek: but I'll definitely look and see what deals they have.

    I'm so useless with money that I just don't know what will be best - whichever way I do things, we just seem to end up in an endless cycle of debt :o. I'm just wanna be free of it :D.

    Amen to that :A
    jakes-mum wrote: »
    Ahh im glad its not just me being hypersensitive, I honestly cant tell at times if im too 'tetchy', being quite an antisocial so and so IRL I wonder if I just have a warped idea of what is now socially acceptable :o still cant bring myself to come out and say 'will you leave please, we want to have some food' :o

    To be fair, I am really tetchy too so maybe that's why I don't think you were overreacting :rotfl::rotfl: No only kidding, they were being unreasonable by anyone's standards!
    DMP started Oct '17: £79,974 :eek::eek::eek::eek::eek:
  • lemonpopsicle
    lemonpopsicle Posts: 663 Forumite
    Part of the Furniture 500 Posts Combo Breaker Debt-free and Proud!
    edited 23 August 2012 at 11:32PM
    J-M you're not overreacting, the little b8gger was very sneaky - horrible in a child.
    Am I allowed to be a proud mummy? My DS1 got his Gcse results today and he got 3 A*, 4 As, 1 B, 1C and 98 points in his ICT (apparently = to an A and a B). He was very disappointed with the B which was in Biology because he got 98% in the actual exam but only a D in the coursework. His other Science coursework's were 100% and 95%. I think he is going to ask for a remark of the coursework (which costs £150 :eek:). When I discussed it with his best mate who got 8A* :D the first thing he said was that the teacher didn't like DS and she was the one marking the coursework :mad: We probably wouldn't bother but DS wants to be a doctor and Biology is pretty important :o
    Anyway payday tomorrow so new figs to declare,
    No.069 £6450 / £7719 = 83.56% :j:j:j:j:j
    Thank you for listening xx
    Oh and Jemma playpal have paid out, although I've got a non payer which I'm trying to sort at the mo.
    Life's little instructions- Treat everyone you meet like you want to be treated..Watch a sunrise at least once a year..Strive for excellence not perfection:j
    £2 SC no.70 £140/£350
    SPC no.73 SPC9 £248 SPC10 target £250
    DFBX12 No. 069 £7719 / £7719 DEBT FREE 30/11/12
    2013 mfw No.4 MORTGAGE FREE 5/8/13
  • Yeah, J-M, we could be pregnancy buddies if you had another one! No, dont throw that frying pan at me! Cooo-eee Kerri, welcome back. Got any challenges for us? All this Welsh chat frm you and Tir makes me pine for Wales-went to school in N Wales as a kid :0)
    Spag this is just a blip...you have achieved sooo much.
    Thx for the kind words Jemma. When will you be made an auntie? DH still hasn't received his Notice from work, but some of his more junior colleagues have. He is applying for everything and anything in the job world at the moment.
    Fritter, I am doing the opposite to you. I have just managed to switch the rest of my shifts to permanent nights. My poor auld hips can't cope with the 12 hr days any longer. I am now at the halfway mark-yay! It's not too late for you to pop over and get a bit of Canadian experience and deliver one VIP baby! ;) Actually I am still sticking to my guns and requesting a Section this time.
    I too have picked up the crochet hook again. I need a lot if bedrest at the mo and this helps counteract the boredom. I can't even follow a pattern. I just used a YouTube tutorial on how to make a granny square and kept going round and round to make an afghan-all in the biggest loudest primary colours I could find!
    BTW people here are still talking about the Olympics-Britain should be v v proud of itself!
    'You've got to tell your money what to do or it will leave!' Dave Ramsey
  • They are great results Lemon. Sounds like it would be worthwhile spending that £150...Grrr for an unreasonable teacher!
    'You've got to tell your money what to do or it will leave!' Dave Ramsey
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Hi Canucksfan, oooh a challenge.... well the OH and I have been doing one this week....we each pick 3 meals each that we want to make from a recipe book or off the top of our heads. We write it on a piece of paper, then we have a meal-plan (but it's from our R1ver C0ttage book so they're posh). We get one "emergency pizza" day, which is a freezer pizza costing about £2-£3 for when one of us can't be bothered to cook. We eat fresh food each day, and it tastes lush :) if we run out of something it goes on the whiteboard and we don't go to the shops until the end of the week (except when sir runs out of milk! but even then no naughty extras thank you). This is week 1 and it's going quite well so far, we get a veg box fortnightly and it seems to have lasted well too.
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • Canucksfan wrote: »
    They are great results Lemon. Sounds like it would be worthwhile spending that £150...Grrr for an unreasonable teacher!
    I know, when he spoke to the Head of Science today she said that it seemed a bit odd which I suppose is a start. I'm hoping that the school might start an ''Enquiries About Results'' process because it says in the info that ''the centre (school) may have already highlighted the result as needing one of the EAR services'' and I'm presuming in that case we wouldn't have to pay - very MSE :o
    Life's little instructions- Treat everyone you meet like you want to be treated..Watch a sunrise at least once a year..Strive for excellence not perfection:j
    £2 SC no.70 £140/£350
    SPC no.73 SPC9 £248 SPC10 target £250
    DFBX12 No. 069 £7719 / £7719 DEBT FREE 30/11/12
    2013 mfw No.4 MORTGAGE FREE 5/8/13
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Right, worked out what I need to pay off (before any of the bills come in).

    New total Jemma is £3420 please!
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • Goodnight peeps :A
    Life's little instructions- Treat everyone you meet like you want to be treated..Watch a sunrise at least once a year..Strive for excellence not perfection:j
    £2 SC no.70 £140/£350
    SPC no.73 SPC9 £248 SPC10 target £250
    DFBX12 No. 069 £7719 / £7719 DEBT FREE 30/11/12
    2013 mfw No.4 MORTGAGE FREE 5/8/13
  • SpagBol
    SpagBol Posts: 1,371 Forumite
    J-M you're not overreacting, the little b8gger was very sneaky - horrible in a child.
    Am I allowed to be a proud mummy? My DS1 got his Gcse results today and he got 3 A*, 4 As, 1 B, 1C and 98 points in his ICT (apparently = to an A and a B). He was very disappointed with the B which was in Biology because he got 98% in the actual exam but only a D in the coursework. His other Science coursework's were 100% and 95%. I think he is going to ask for a remark of the coursework (which costs £150 :eek:). When I discussed it with his best mate who got 8A* :D the first thing he said was that the teacher didn't like DS and she was the one marking the coursework :mad: We probably wouldn't bother but DS wants to be a doctor and Biology is pretty important :o
    Anyway payday tomorrow so new figs to declare,
    No.069 £6450 / £7719 = 83.56% :j:j:j:j:j
    Thank you for listening xx
    Oh and Jemma playpal have paid out, although I've got a non payer which I'm trying to sort at the mo.

    Well done to your DS :T:T:T Great results! :)

    Just a quick one before work, payday today and made a minimum payment:

    #084 £11,879 / £58,000 20.48%

    Have a good Friday everyone :beer:
    DMP started Oct '17: £79,974 :eek::eek::eek::eek::eek:
  • J-M you're not overreacting, the little b8gger was very sneaky - horrible in a child.
    Am I allowed to be a proud mummy? My DS1 got his Gcse results today and he got 3 A*, 4 As, 1 B, 1C and 98 points in his ICT (apparently = to an A and a B). He was very disappointed with the B which was in Biology because he got 98% in the actual exam but only a D in the coursework. His other Science coursework's were 100% and 95%. I think he is going to ask for a remark of the coursework (which costs £150 :eek:). When I discussed it with his best mate who got 8A* :D the first thing he said was that the teacher didn't like DS and she was the one marking the coursework :mad: We probably wouldn't bother but DS wants to be a doctor and Biology is pretty important :o
    Anyway payday tomorrow so new figs to declare,
    No.069 £6450 / £7719 = 83.56% :j:j:j:j:j
    Thank you for listening xx
    Oh and Jemma playpal have paid out, although I've got a non payer which I'm trying to sort at the mo.

    Fab results - well done to your son :beer:! Hopefully the school will pay if they think there's an issue, as you say, but if they don't, I would definitely pay the £150 to get the coursework checked (:mad:). Then you'll feel you've at least done everything you can.
    jakes-mum wrote: »
    Ahh im glad its not just me being hypersensitive, I honestly cant tell at times if im too 'tetchy', being quite an antisocial so and so IRL I wonder if I just have a warped idea of what is now socially acceptable :o still cant bring myself to come out and say 'will you leave please, we want to have some food' :o

    Grr Psycho, thats so rubbish and a bit out of order on the side of the owner as though it was a win, I assume the whole point of the competition was to drum up more business and she wont get repeat business or recommedations speaking to you like that!

    Kerri, a little smile came to my lips as I read that :D I love feeding DH humble pie and its just as much fun to watch someone else do it to theirs :rotfl:

    and just to end on a total downer :D My little lad starts secondary school in 1 1/2 weeks :eek: and my angel starts school in 2 1/2 weeks! *cries* my babies dont need me anymore *polishes empty nest* :rotfl:

    They'll definitely still need you - mine are 16 and 12 and still need me :D!
    kerri_dfw wrote: »
    Hi Canucksfan, oooh a challenge.... well the OH and I have been doing one this week....we each pick 3 meals each that we want to make from a recipe book or off the top of our heads. We write it on a piece of paper, then we have a meal-plan (but it's from our R1ver C0ttage book so they're posh). We get one "emergency pizza" day, which is a freezer pizza costing about £2-£3 for when one of us can't be bothered to cook. We eat fresh food each day, and it tastes lush :) if we run out of something it goes on the whiteboard and we don't go to the shops until the end of the week (except when sir runs out of milk! but even then no naughty extras thank you). This is week 1 and it's going quite well so far, we get a veg box fortnightly and it seems to have lasted well too.

    This is a good idea Kerri - will try this one although it's easier this week as DH is off.
    Pay debt in 2012 #278 £2347/£5364
    Sealed Pot 5 #1713 £78.57 //Crazy Clothes Challenge #97 £79.49/£100
    Grocery Challenge:
    Feb £359/£360 Mar £390/£450 Apr £335/£320
    May £330/£320 Jun £455/£400 Jul £321/£320
    Aug £399/£370 Sep £345/£300 Oct £421/£400 Nov £0/£320
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