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

loubie_lou

mf0u1098 wrote: »

Hey everyone! Well done on all your payments and especially Parsnip for that whopping ppi rebate!!!

I've been so fed up in the last week or so. My job gets ridiculously busy Oct-Dec and this year is no exception! This week is going to be horrendous... Plus, joining the gym has been laughable. Since I joined I've been dizzy or had a horrid cold or recently I've been feeling sick with a dodgy tummy. Not amused after all the money I've paid and now it's only 6 weeks from my xmas do... I'm just fed up to be honest. I want to get out of my parents house but it will take at least another 12-18months...

Jemma, get out of your pity pit!!!!! New week, new start! My one goal this week is to be more positive xxx Sorry everyone, I tend to just dissappear when I'm feeling down xxx

Sorry to hear you are feeling crap! It was a god send when I gave up my stressful job I'm now really relaxed and I know it's easier said than done but I hope you can feel better soon

My payment is month is trying to get me to 50% before christmas is:

# 4 £5560/13678

2 months and 2 paydays left before the end of the year so going to divide them into what I need to pay to get me to 50%

HelenPie

Hello :wave:

I've been off work for a week so haven't checked in for a while. Looks like there's been lots of good news. Well done to all that are still working away at those debts

DH finally received his HMRC cheque. It was £300 less that expected so I guess he must have underpaid through his PAYE in other ways (probably in relation to tips/mid-year payrise). Unfortunatlely (sort of!) we used a chunk of the money this week to treat ourselves to a fancy dinner and b&b stay, plus the car needed service, tax, MOT and new tyres all at once I ususally have this staggered but just got a bit out of hand and there wasn't enough in the car pot to cover is (about £160 short )

He also went overdrawn (i.e. over the overdraft) again this month. I tried to talk to him and as usual he just wouldn't engage and :mad: started playing with his phone. I went to bed in a mood and then got really upset when he decided to put the washing machine on (ok - normally a good thing but it was 1am!!) Next afternoon (didn't see him in the morning as was up early to go out) he apologised for keeping me up and I plucked up the courage to confront him and say that it wasn't the washing that I was upset about but the fact that he doesn't seem to acknowledge how hard I work at managing our finances and what trouble it causes every time I have to juggle things to subsidise his overspends, and how it's extra frustrating that he doesn't even seem to know what he spends the money on!!:mad:

BUT...

He listened, acknowledged and apologised :j:A I'm so proud of him for taking that step at least. I don't think it's quite his LBM but I thanked him for engaging in the conversation and am hoping that he might start to pay a bit more attention in the future (fingers crossed!!!)

Anyway, I will shortly be checking accounts and spreadsheets to see the damage that a week off has done and will update shortly.

H xx

kerri_dfw

Afternoon all, I've finally got round to filing my tax return another loss to report for my very small business, but it did work out that the tax man shall be giving me some pennies. I have no idea when this will be though.

On another note, Thursday I was called out to work on a customer, so I get paid for standby plus the 10hrs I worked. Friday I was on standby plus the 5hrs I worked for them overnight. Saturday I worked 18hrs including travel to get to their site. Sunday I worked 1hr. So that's some more pennies towards the debt at least
So in total that's 15hrs at time, and 19hrs at time & a half, which should be another couple of hundred off the debt In two days time I'll see how much I can reduce the debt by this month, should be a nice payment for overtime in there and then next month I should have tax return plus overtime making over £1000 to pay off. Hmm...if I am very good I might almost be debt free by christmas then, wouldn't that be nice!

suzitiger

Kerri you are so close now, :j:j:j I bet that would be such a nice feeling.
I am dreading doing my tax return, I need some help, where do I start??! :eek:
Jemma these things can't be helped. it must be very frustrating but you wouldn't want to make yourself more ill by pushing yourself at the gym. Look forward not behind, you have come really far and look at all of the people on this thread who you have also helped by making that step :T
I know I am not going to be Debt free by Xmas, but I am definitely heading the right way and this forum helps me so much to keep focused and positive.

recurrent-ostrich

Woohoo! we've sold the car. Only £1000 but it'll clear the Next and put a little bit towards something else. Once cheque clears am going to pay Next off and *gulp* close the account. :eek: That blooming account has been the bane of my life -too much temptation just a click away.

suzitiger

That's great RC, and a card gone, good riddance, I am trying to get rid of all my smaller ones first so that I can snowball, weeeeeeeeeeeeeeeeeee!
I can declare some payments!! It's been a while.
I have paid another £50 off rent arrears and £10 off one of my storecards :-) I will update it in my signature!

lemonpopsicle

Hi Peeps,
I have a small fleabay sale to hand over to NR loan, so new figs

No.069 £7430 / £7719 = 96.25%

But really I've come on here for a bit of support I had urgent blood tests last Tues checking for Ovarian cancer (ca 125) etc and I still haven't got the results, I've also got an ultrasound scan on Wednesday and I'm soooo scared. Has anyone else been through this? DH knows but I can't talk to anyone else.

jakes-mum

lemonpopsicle wrote: »

Hi Peeps,
I have a small fleabay sale to hand over to NR loan, so new figs

No.069 £7430 / £7719 = 96.25%

But really I've come on here for a bit of support I had urgent blood tests last Tues checking for Ovarian cancer (ca 125) etc and I still haven't got the results, I've also got an ultrasound scan on Wednesday and I'm soooo scared. Has anyone else been through this? DH knows but I can't talk to anyone else.

Ahhh hugs to you Lemon I have had the scan (actually the internal one as I couldnt get enough water down me ) after being rushed to hospital with horrific stomach pains and they were testing for all sorts. Have lots of cuddles with DH as that is what he is there for, the hospital will take care of you

kerri_dfw

Massive hugs Lemon sounds very scary!

Suzitiger....oh my signature is wrong wrong wrong, I am counting down not up....I had to start again. I now see why Jemma was confused with my totals lol It should read: £118.60/3540 because I started again. Eewww that doesn't look very nice like that though

suzitiger

lemonpopsicle wrote: »

Hi Peeps,
I have a small fleabay sale to hand over to NR loan, so new figs

No.069 £7430 / £7719 = 96.25%

But really I've come on here for a bit of support I had urgent blood tests last Tues checking for Ovarian cancer (ca 125) etc and I still haven't got the results, I've also got an ultrasound scan on Wednesday and I'm soooo scared. Has anyone else been through this? DH knows but I can't talk to anyone else.

No I have never had anything like this, you poor thing. Be brave, squeeze the DHs hand, is he coming with you? I hope so! You will be well looked after I am sure

kerri_dfw wrote: »

Suzitiger....oh my signature is wrong wrong wrong, I am counting down not up....I had to start again. I now see why Jemma was confused with my totals lol It should read: £118.60/3540 because I started again. Eewww that doesn't look very nice like that though

Ohhhhhhh I see. God I need to start again too, I'm sure my debt has increased overall :eek: but I HAVE paid off nearly all my rent arreas and I have been paying off the high interest debts first so its costing me less to be in debt I suppose