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

choclover

SpagBol wrote: »

Oops sorry Superheavy totally missed this earlier...but yes, that's exactly what I'll be doing :rotfl:

Me too! Hubby has already made a payment in preparation for tomorrow - yes AMAZINGLY we still have some money in the bank account! :j:j:j Can't remember the last time that's happened

SpagBol

choclover wrote: »

Me too! Hubby has already made a payment in preparation for tomorrow - yes AMAZINGLY we still have some money in the bank account! :j:j:j Can't remember the last time that's happened

That's a real achievement! :j I am really hoping that I can clear my overdraft with the Spanish bank tomorrow, will have to check how much I'll get paid first though with DDs etc.

So excited!!:D

recurrent-ostrich

R-O checking in, ma'am.

end of Sept totals:

#049: 7100.28/10,000 71% :j

SpagBol

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

I've paid off and closed my Spanish bank OD!!!! :j:j:j:j:j:j:j:j

#084 £13,471 / £58,000 23.23%

:beer: Finally left the £12k region and that's a cool percentage :j:beer:

It's left us a bit tight for groceries this month :eek: but have some backpay owing and going to sell like a banshee on the 'bay. I figure I've spent so long living to an OD limit and scrimping, I might as well be scrimping and sweating about staying within £0 as £800!

Happy Friday everyone....especially Choclover who shares a payday!

choclover

Damn it! Halifax have thwarted my DFW plan this morning! Officially it's hubby's account and so with new payments they call you to verify!!! So will have to wait until tonight when he gets home . Well, I might as well declare it now

So with the regular payment to his catalogue made last night of £59.88, they'll also be a payment of £198.68 to DH's CC to clear it again (well to be fair he puts his petrol on it), £270 to my CC and a payment of £70.71 to Next. What with interest and purchases that brings me to:

#304 £1,339.19/£5,210.12 (25.7%)

Lol, slowly getting back to where I was! DD's will be going out on Monday i guess, so I'll update again then.

psychopathbabble

choclover wrote: »

Damn it! Halifax have thwarted my DFW plan this morning! Officially it's hubby's account and so with new payments they call you to verify!!! So will have to wait until tonight when he gets home . Well, I might as well declare it now

You don't have to speak to anyone, so if your home telephone number is on there, you can authorise it anyway... it's all automated.

choclover

psychopathbabble wrote: »

You don't have to speak to anyone, so if your home telephone number is on there, you can authorise it anyway... it's all automated.

Really? Thanks, that got me worried for a minute .

psychopathbabble

choclover wrote: »

Really? Thanks, that got me worried for a minute .

I don't even bother speaking anymore when it's that.... you just have to press a number to confirm the payment set up then put the code on the screen in. Do it!

choclover

Just compared where I am against the baseline. I've done a rough estimate on where I would be now if I had only paid off minimum payments and paid any purchases that would have taken me over my credit limit and .... i would be currently sitting at 19.3% having chopped off £1008 off my total debt, so I'm only doing slightly better than if I hadn't bothered doing overpayments at all! Although on the plus side, I can use it as a another motivator tool (or demotivator tool depending on how you want to look at it) every time I want to spend

It says I should be at 37% by xmas but my debt plan is currently showing I'll reach 55% by xmas!

his_missus

jakes-mum wrote: »

Its a die cutting machine, you can buy . . . ooooooo . . . hundreds of different dies and cut out various shapes for card making, scrapbooking etc so so want one

My bessie mate gave me a really old sizzix original as she has about 4 other cutting machines (her obsession:D) and as ahe has what seems like an endless supply of dies, I can craft :money: style

SpagBol wrote: »

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

I've paid off and closed my Spanish bank OD!!!! :j:j:j:j:j:j:j:j

#084 £13,471 / £58,000 23.23%

:beer: Finally left the £12k region and that's a cool percentage :j:beer:

!

Adios OD! :j

choclover wrote: »

It says I should be at 37% by xmas but my debt plan is currently showing I'll reach 55% by xmas!

If that's so, you'll be over half way by xmas :T:T:T