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

lemonpopsicle

SpagBol wrote: »

Payday #1 in our house, it's very exciting!!

#084 £12,671 / £58,000 21.85%

:j

Chasing 25% now

You're doing brilliantly SpagBol £12,671 PAID OFF what a fantastic achievement

SpagBol

lemonpopsicle wrote: »

You're doing brilliantly SpagBol £12,671 PAID OFF what a fantastic achievement

Thanks Lemonpopsicle :beer: After 3 months of ticking over we are back to being focused on our challenge. November will be a really good month too, lots of overtime for both of us, I hope we'll be at 40% by Xmas :j

Since I will be doing this challenge next year too, I can't decide whether to keep my total at the start of next year or readjust my figures and start at 0% of a lower total. Each 1% would then be about £380 rather than £580!! I think I'll do that as then it will increase faster

lemonpopsicle

SpagBol wrote: »

Thanks Lemonpopsicle :beer: After 3 months of ticking over we are back to being focused on our challenge. November will be a really good month too, lots of overtime for both of us, I hope we'll be at 40% by Xmas :j

Since I will be doing this challenge next year too, I can't decide whether to keep my total at the start of next year or readjust my figures and start at 0% of a lower total. Each 1% would then be about £380 rather than £580!! I think I'll do that as then it will increase faster

Maybe psychologically it would be better to start the new year with a lower goal too, more of a bitesize chunk IYKWIM
Oh and don't forget to change your sig. it's still showing your pre payment amounts.

SpagBol

lemonpopsicle wrote: »

Maybe psychologically it would be better to start the new year with a lower goal too, more of a bitesize chunk IYKWIM
Oh and don't forget to change your sig. it's still showing your pre payment amounts.

Oops, yes I'll do it now, thanks for the reminder!

Also phoned Sant and they have suspended my DD for the mortgage so I can phone on the day DH gets paid, pay by debit card and they will set up the DD again :T Might even make a cheeky overpayment! :rotfl:

choclover

DD to BT cc out today and also to DCA, so an update from me:

#304 £1,166.44/£5,210.12 (22.39%)

Still haven't made the OP to my other cc, hopefully will do it later this week. Hubby had some good news today, about a month ago he received a letter from one of his old cc company (so long ago I'd completely forgotten he had one from them) saying that he had CRP on it and he may be entitled to a refund. He send the form back and today received a letter saying they were going to refund him.... wait for it.... £65.65! :rotfl: Oh well, it's better than nothing, especially as we'd totally forgotten about it! So I guess we'll be using that money to pay off my cc, as it's the next one to go, when we get the money.

SpagBol

choclover wrote: »

DD to BT cc out today and also to DCA, so an update from me:

#304 £1,166.44/£5,210.12 (22.39%)

Still haven't made the OP to my other cc, hopefully will do it later this week. Hubby had some good news today, about a month ago he received a letter from one of his old cc company (so long ago I'd completely forgotten he had one from them) saying that he had CRP on it and he may be entitled to a refund. He send the form back and today received a letter saying they were going to refund him.... wait for it.... £65.65! :rotfl: Oh well, it's better than nothing, especially as we'd totally forgotten about it! So I guess we'll be using that money to pay off my cc, as it's the next one to go, when we get the money.

Good news re: the CRP (is that like PPI?) £65 is a lot better than a poke in the eye!

choclover

SpagBol wrote: »

Good news re: the CRP (is that like PPI?) £65 is a lot better than a poke in the eye!

I quite agree! Yes, it's Credit Repayment Protection (i think), you pay a percentage of your credit balance each month to cover you if you can't pay for various reasons, very similar to PPI.

loubie_lou

Just had a productive hour getting the balances of my debts turns out its £300 less than I thought!!! :j:j:j

Jemma Hope you are having a nice time? When you next update could you change my total to be paid to £13678

Will be under 9k left on payday :D:D:D:D:D

Thanks

forgottendreams

Hello All,

Been a while sinceI last posted, but proud to be back dealing with the debt!!

Hope everyone is having a productive debt busting time

Please can you update me total to read


#24 - £2990/£6100 = 49% Paid.

Oh I cant wait to be over the 50% mark!! Not long to go :T

jakes-mum

Just paid another £25 off DH's CC as I made a couple of sales on FB

New total issssssssssssssssssss:

#16 £7281.89/£8806.89 82.68% :D:D:D:D

Ooooooo remember I said id won something but didnt want to tell you all incase I was wrong on the prize?? Weeeeeeeeeeeeell the company rung today to confirm dispatch and I was right, so I can tell you all :D

I've won 4 Nokia Lumia mobile phones :j:j:j from what I understand its the 900, 800, 710 and 620 :j:j:j DH is already trying to 'obtain' the 900 for himself He'll have to fight me for it :rotfl: