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

Superheavy

lemonpopsicle wrote: »

Or some Chamoix butter

She was cycling around the coast with the BF....I think that offering to help solve a lady's saddle soreness wouldn't go down to well. I know I'm smooth, but there are some things just guaranteed to get you thumped.

tirlittan

Superheavy wrote: »

I live just a couple of miles from Borth...you could have come for coffee and cake!

Oh hang on, you're cyclists, maybe some nutrient gel and an isotonic drink.... ;-)

Cake would've done just fine! Btw, you live in a very nice part of the world! Used to come to Ynyslas a lot with the dogs.

Last month I wrote that my minimum payment for v1rg1n was only £3.25, well, that's what it said on online banking but obviously can't trust them as they took £25 out instead. I guess that is the normal minimum payment for them but their stupid automatic computer system could've really messed up someones financies if they'd decided to use the 'extra money they thought they had'. Thankfully I didn't.

Interest always used to be added on 4th of every month as well and now it's still not showing. So annoying as I want to update my sig!

SpagBol

Mrs_Addicted_to_Spending wrote: »

Thanks - is 'BT' blood transfusion? Well done on your payment btw .

Hiya yes BT is blood transfusion, sorry! and thanks

tirlittan wrote: »

Cake would've done just fine! Btw, you live in a very nice part of the world! Used to come to Ynyslas a lot with the dogs.

Last month I wrote that my minimum payment for v1rg1n was only £3.25, well, that's what it said on online banking but obviously can't trust them as they took £25 out instead. I guess that is the normal minimum payment for them but their stupid automatic computer system could've really messed up someones financies if they'd decided to use the 'extra money they thought they had'. Thankfully I didn't.

Interest always used to be added on 4th of every month as well and now it's still not showing. So annoying as I want to update my sig!

Oooh so close tirlittan, do you think you'll be debt free a lot sooner than xmas? :T

tirlittan

[QUOTE=SpagBol;55621571


Oooh so close tirlittan, do you think you'll be debt free a lot sooner than xmas? :T[/QUOTE]

Hi SpagBol,

Yes, my last payment will be on 15th of October! Can't wait!

choclover

Well most payments have gone out now and what with the purchases including dd1 new bed, I've gone backwards again, oh well it was expected.

#304 £1,187.99/£5,210.12 (22.8%)

Next month should be much better, planning on paying £1400 towards debts, hopefully knocking off over £700 after interest and purchases.

mf0u1098

Superheavy wrote: »

She was cycling around the coast with the BF....I think that offering to help solve a lady's saddle soreness wouldn't go down to well. I know I'm smooth, but there are some things just guaranteed to get you thumped.

:rotfl::rotfl::rotfl: Nearly spat my drink out!!!

mf0u1098

I sent to kickboxing last night for the first time. Me and my friend from work turned up all enthusiastic only to be told that the instructor was ill and the class was cancelled! We ended up going to Bokwa instead (a kind of zumba) where we were told that this was the last class ever as it wasn't popular enough! It was ok but all arms and legs going everywhere trying to keep up! We're going on Thursday to Body Combat which looks cool!

I'm not being very MSE as I am joining the gym... Hear me out before you start shouting at me!!! I am joining the council run gym which is on offer at £300 if you pay all in one go at the moment. On top of this, there is a refer a friend option where you get a month discount so, cos me, my friend and my mum are joining, then we will get 2 months off and split the discount between the 3 of us. This brings the amount to £280ish. At the moment, the classes are £5 per session, we are doing 2 per week which is about £40 per month. I also want to go swimming at £3.70 per session and gym is £6 per session. The gym membership works out at £23 per month which is good I think considering the classes, gym and swimming are all included. I have been worried that I'll stop going and it will be a waste of money as I'm locked into a 12 month contract but this has always happened when I've been on my own. Now I've got 2 other people to be my gym buddies and we all want to lose weight so have good motivation! To help pay for this (and make it completely cost neutral) then I'm going to sell my treadmill and all my unopened exercise dvds plus anything else I can lay my hands on. This should more than pay for the gym membership!

Have got 2 NSD's in 5 so far which is good. Don't think I'll get one tonight though as me and my mum are walking the 10k route in Salford that I'll be running on Sunday then we're going for tea somewhere (mmmmmmmmmm Chiquitos... )

Only 12 working days until I'm off to the Lakes for a week... :j:j:j I've not been on holiday for over 4 years because of my debts. I know I've not finished my debtloss journey but I feel that I'm getting my life back now and it feels great. I've just got my 2 credit cards to go which will be paid by Christmas and then my HSBC loan which I'm letting run to full term in 2014. Besides, it means I'll be sticking around with you all, for the DFBE13 (Easter) and DFBX13 whilst I save up for my house deposit xxx

SpagBol

mf0u1098 wrote: »

I sent to kickboxing last night for the first time. Me and my friend from work turned up all enthusiastic only to be told that the instructor was ill and the class was cancelled! We ended up going to Bokwa instead (a kind of zumba) where we were told that this was the last class ever as it wasn't popular enough! It was ok but all arms and legs going everywhere trying to keep up! We're going on Thursday to Body Combat which looks cool!

I'm not being very MSE as I am joining the gym... Hear me out before you start shouting at me!!! I am joining the council run gym which is on offer at £300 if you pay all in one go at the moment. On top of this, there is a refer a friend option where you get a month discount so, cos me, my friend and my mum are joining, then we will get 2 months off and split the discount between the 3 of us. This brings the amount to £280ish. At the moment, the classes are £5 per session, we are doing 2 per week which is about £40 per month. I also want to go swimming at £3.70 per session and gym is £6 per session. The gym membership works out at £23 per month which is good I think considering the classes, gym and swimming are all included. I have been worried that I'll stop going and it will be a waste of money as I'm locked into a 12 month contract but this has always happened when I've been on my own. Now I've got 2 other people to be my gym buddies and we all want to lose weight so have good motivation! To help pay for this (and make it completely cost neutral) then I'm going to sell my treadmill and all my unopened exercise dvds plus anything else I can lay my hands on. This should more than pay for the gym membership!

Have got 2 NSD's in 5 so far which is good. Don't think I'll get one tonight though as me and my mum are walking the 10k route in Salford that I'll be running on Sunday then we're going for tea somewhere (mmmmmmmmmm Chiquitos... )

Only 12 working days until I'm off to the Lakes for a week... :j:j:j I've not been on holiday for over 4 years because of my debts. I know I've not finished my debtloss journey but I feel that I'm getting my life back now and it feels great. I've just got my 2 credit cards to go which will be paid by Christmas and then my HSBC loan which I'm letting run to full term in 2014. Besides, it means I'll be sticking around with you all, for the DFBE13 (Easter) and DFBX13 whilst I save up for my house deposit xxx

Body combat is ace, never known endorphins like it!! I think exercise is a permissable expense, essential even, for health and mental health too. I cancelled my gym membership because I run on the road but still have to buy expensive shoes etc. Paying for fitness is an essential to help with being DF because I certainly wouldn't be able to work so hard to earn money or get through the week emotionally being skint if I didn't exercise although I often struggle to find the time to go Enjoy

HelenPie

mf0u1098 wrote: »

Besides, it means I'll be sticking around with you all, for the DFBE13 (Easter) and DFBX13 whilst I save up for my house deposit xxx

Ooh, DFBE13!! :j I can easily do that one (DFBX12 is looking a little tricky - OH overspent by £300 again, so now need to find another £550 before Xmas.....)

My monthly loan payment has gone today so that another chip away :cool: I will do a proper update later in the month once my other payments have been made.

H x

tirlittan

tirlittan wrote: »

Hi SpagBol,

Yes, my last payment will be on 15th of October! Can't wait!

Just did some counting and my DFD is only 40 days away! :j