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

his_missus

May2013 - that's fab :j a hefty debt paid off :T Enjoy being debt free

mumof3plusoh

May2013 fantastic and very well done on becoming debt free.:j:j

seriousDFW

HelenPie wrote: »

The original target was Christmas eve this year, so that we were all debt free come Christmas day.

I think a few people have had to be a little flexible (I'll probably be a month late) and others just set a target portion of debts to clear by then.

I'm sure that this will run into a new thread for those that don't make Christmas eve

The nice thing is that it's done what it really set out to do, and that was just get us all focused and have a measurable goal to aim for. I think it's really helped a lot of us prioritise what's important financially. :cool:

That's cool, thanks. I know what you mean, it's not even about the actual goal for many, it's about staying focused and paying as much as possible within our own expectations and circumstances. It fills me with absolute joy to read people on this thread being so supportive to relative strangers, it is phenomenal. How will we ever thank those who set it up and maintain it? Jemma- are you managing it single handed or is someone helping? It's do long since the start I can't remember!

psychopathbabble

seriousDFW wrote: »

That's cool, thanks. I know what you mean, it's not even about the actual goal for many, it's about staying focused and paying as much as possible within our own expectations and circumstances. It fills me with absolute joy to read people on this thread being so supportive to relative strangers, it is phenomenal. How will we ever thank those who set it up and maintain it? Jemma- are you managing it single handed or is someone helping? It's do long since the start I can't remember!

I think Jemma pretty much maintains and updates the totals on her own :cool: Good job Jemma :j

lemonpopsicle

Well done May2013 that is an awesome amount of money to pay off.
Jemma is a complete star for running this brilliant thread,I wouldn't be anywhere near where I am without it. Thank you.Thank you.Thank you :A
My mum gave me £50 today to take her to the airport on Sunday, it's not going to cost that much petrol wise so I'm going to pay £35 to CC, new figs
No.069 £6642 / £7719 = 86.04% :j
Thanks Mum

Bonglecat

Amazing News!!!!!!!!!! My husband after 30 odd years of 30 a day smoking gave up on Saturday, yup nearly a week already. :j

After all his health scares etc. he finally made the decision and so far has been total cold turkey. The stop smoking counsellor at Lloyds Chemist got him to buy a bumper pack of Nicorette gum but he hasn't touched it. I have to tell you frankly I'm amazed especially after some very difficult moments on long haul flights, don't even get me started on :mad: Pineapple Gate :mad: But we talked about it today and he said he just changed his mind set and decided to think of himself as a non-smoker, simple as that!!

The best thing is that I've really noticed the bank balance not reducing, he has had a couple of £20 withdrawals for Lottery tickets and sweets but just think 30 a day around £7.50 a packet and probably a bit more on weekends, we were talking £350 to £400 a month up in smoke, literally! I've told him that at the moment that money is his treat fund as a motivating tool, but I'm not sure I need it.

lemonpopsicle

That's great news Bonglecat, well done Mr Bonglecat keep it up :T

Bonglecat

May2013 wrote: »

I’ve done it....as of today I’m debt free!!

Jemma you’re an absolute star for starting and managing this challenge :T – thank you xx

And so for my final update:

#046 £14,128/£14,128 - 100%

Lot’s of luck to you all.....not far to go now xxxx

Well done May2013 splendid news

:beer::T:j:beer::T:j

parsniphead

:beer:Well done May2013:beer:. You must feel fab.

Another £300 or me today.

#103 £3140/19000 = 16.52%

minicooper272

Ok, so now it's pay day I'm ready to get full swing back into the challenge - I've evaluated my finances again and am now back almost to where I was after I ducked out (Car insurance and MOT in the same month, and a lot of work expenses due!)

I'm now back to 26.22% clear. I'll swing by Monday for a proper check in.

I've not been too bad with my money, but I'm off on holiday next week (to Wales), which could be expensive. I held back about £50 from my budget last month to help, and I racked my mind to think of ways to save on holiday - number 1 was preparing a picnic hamper, so we can eat at the hotel a few night and save the expensive restaurant bills.

Oh - forgot to add, I have evaluated it, and think I'm doing the debt free for easter 2013 challenge instead! But that's a realistic target I think!