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

Ruthy1604

poohspals wrote: »

Woohoo - hubby and I got a wage increase this week but rather than tell him about it (noticed on our bank statement) I'm just putting that increase into a seperate bank account (e-account) to save for our holiday in November. By then we should have £900 which is enough for our 2 week trip in Florida - and we won't have noticed we were saving it as its not something we ever got used to. Does that make any sense to anyone but me?

Makes total sense to me! Thats a great idea - esp if DH hasn't noticed it :rotfl:

When are you off to Florida? We're going in October :j
Ruth

jakes-mum

Ruthy1604 wrote: »

Thanks Jakes - Mum - that made me giggle at the thought of you waiting for 20 mins for him to remember that you were there!! That sounds just like my lot My parents are coming up to collect them on Tuesday & they will spend a week in Cornwall then - it will be really strange with no kids at all But they're doing us a huge favour so that we won't have to pay out in childcare costs.

Lol re your DH - mine is very careful & doesn't spend on anything unnecessary really - I think that makes it harder for him because theres nothing he can cut back. BUT that doesn't explain where his £60 goes does it ???:rotfl:

His attitude would be to pay back slower & live a little more. I see where he is coming from as the kids will only want to spend time with us for a few more years, so what is the point of scrimping and scraping to pay back the mortgage early :(

BTW How are your tonsils now? All better i hope!
Ruth

If I remember correctly, my sister walked in and found me sat there and hollered for him to come back . Enjoy the peace and remember how much you missed them the next week when they return and drive you insane :rotfl:.

DH has the same thoughts re debt, im firmly in the scrimp as much as you can for a year and get rid of the noose completely train of thought. Once the debt is gone I will tackle the mortgage but nowhere near on the scale ive been tackling the debt. We will both have pocket money each month and there will be (for the first time) an entertainment fund which will cover a meal out every month for the 4 of us and some activities for school holidays. Plus I am determined to have a holiday fund so we go abroad every year .

Makes me sound such a control freak, reading that back to myself :eek:

The tonsils are alot better thank you for asking, even though I had to stop taking the antibiotics after two days as oooo didnt the half make me feel sick :eek:.

[Deleted User]

Ruthy1604 wrote: »

Makes total sense to me! Thats a great idea - esp if DH hasn't noticed it :rotfl:

When are you off to Florida? We're going in October :j
Ruth

We are going in November - bought into DVC whilst we were there at Xmas. They gave us a free year of points as an incentive so accommodation not costing anything this year, we were there 4 weeks over Xmas so got annual passes - and they are still in date. Only had to pay for flights - I'm trying to find reasons why this trip is so MSE - lol

camuk81

Gordon bennett, 8 pages to catch up.

Well very bad week. After resisting so long have splurged out on little one and spent more then intended! Even husband has noticed and said "I thought you were meant to be spending." So I'm £75.51 behind my signature. However its pay day in 8 days, so hopefully no more spending! Spoke to the council and they have asked me to some more digging so going to take a bit longer then I thought.

Sprig clean complete however husband went overboard and through out something I was keeping for the PTA at school.

So spent the evening forcing myself to work on my spreadsheet! Faced up to a massive reality! Still on track for October but chewed with myself! Onwards and upwards!

dd1981

Hi everybody

Small update from me

£2,876.60/ £9,793.81 (29.37%)

Hope everyone is well and happy debt busting!

dd
xx

kerri_dfw

Whoop whoop I earnt £86 from fleabay today only 27 out of 68 items didn't sell, but they can get relisted tomorrow Happy that now I have a printer I don't have to queue at the post office as can buy straight from p*pal

I have spent money today though =/ £40 on fabric stuff, £10 on lunch

suzitiger

Hey Guys,
Wow I've been trying to catch up for a while, lots of things about Bras on fleabay good to know you guys are managing to sell all kinds of one man's trash for treasure so to speak
I'm feeling very pleased with myself for not spending any money on snacks and fizzy drinks all week at work, trying to just spend money on my transport and that seems to be working well. its not just for money saving (although that helps) but for saving my waistline too :-)

I've loved reading what everyone else has been up to as usual. Really hoping to update by totals soon, but for now I know that things are being paid off ok so Im happy to wait for a while, hope you guys are too. :rotfl:

fallenwiccan

Hi all, just to let you know I have OH home, he's looking really well already and coping amazingly with his discomfort (op was on his bum so everything is painful).
Today is going to be an ultimate relax doing nothing day (although I'll do housework) as we both need it.

Thank you all so much for your kind thoughts

recurrent-ostrich

Update from me, back from holiday, had a fab time and didn't go overbudget -woohoo! All bills paid for the month now, so my total is:

#049 3378.52/10,000 -33.7%


Next month, if all goes well, my debt should go below the 40K threshhold.

minicooper272

poohspals wrote: »

Woohoo - hubby and I got a wage increase this week but rather than tell him about it (noticed on our bank statement) I'm just putting that increase into a seperate bank account (e-account) to save for our holiday in November. By then we should have £900 which is enough for our 2 week trip in Florida - and we won't have noticed we were saving it as its not something we ever got used to. Does that make any sense to anyone but me?

My mum always told me, whenever you get a pay rise, put half the difference into savings - you will notice that you're better off, but your savings will benefit the most! I'm definitely following this when my debts are clear!

On a plus note, I was given a leaflet for a free £5 on a bingo site, so sat most of last night spending it and won £56! Will be trying this out in future!