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

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  • Nothing happens to me without drama, KnowHow (Dix*ns group installer people) turned up to do Washing machine :T

    One of them comes in and unplumbs the old one (getting water everywhere, messy beggars) whilst the other stays in the van to take packaging off and take out the transit bolts, or so I think. Next thing I know he comes storming in and says it was never packed on the van :mad: By this point the old one is completely out and then they realise actually the new one was packed on but they've given it to someone who ordered a B*ko (I was getting a H*tpoint) so they've given her a free upgrade :mad::mad: Cue me going "so how long is it going to take you to go and get it...."

    Give them their credit they were there and back in half an hour and in that time I cleaned out all the cat hair left behind the washer from the previous owner (eww! love Cats but when its not your own I hate cleaning up).

    Very happy with new machines and I've already been plotting and scheming which settings to use to get best performance in shortest time :rotfl:

    Now tea - Jacket Potato with tuna mayo and veggies, even managed to sneak some veggies onto the OHs plate :D He's feeling too sorry for himself to argue :rotfl:
    HSBC CC - £3000 / £3000
    Halifax CC - £1032.77 / £1032.77
    Mortgage currently at [STRIKE]£82,299.71[/STRIKE] £76,017.62 would love to overpay
  • Forgot to say Kerri - I'm loving this week's challenge as I already have at least 5 portions of fruit and veg every day :). I have 2 pieces of fruit and natural yoghurt for brekkie, salad for lunch (I can't eat bread or cereal), and at least 1 portion of veg with my dinner.
    Pay debt in 2012 #278 £2347/£5364
    Sealed Pot 5 #1713 £78.57 //Crazy Clothes Challenge #97 £79.49/£100
    Grocery Challenge:
    Feb £359/£360 Mar £390/£450 Apr £335/£320
    May £330/£320 Jun £455/£400 Jul £321/£320
    Aug £399/£370 Sep £345/£300 Oct £421/£400 Nov £0/£320
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Glad you're enjoying the challenge Mrs ATS :)

    I've just made my little nephew a gym bag, I can't believe how easy it was. I used this pattern here if anyone is wanting to make their little one a new gym bag. It used 1/2m of fabric and some cord. I did add a lining as well which was made from some scrap material I found in the odds bin in Dun3lm for 80p/m. So all in all it cost me about £1 to make :Dpicture
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • Kerri love the gym bag it is very cute x
    [SIZE=2]SPC4 #1395 Aug 11 £135.75/£150
    SPC5 #1395 Shower fund used £13.60 31/7/12 Banked Farepack administrators cheque £301 19/10/12 £326.40 in the tin....TOTAL £641
    SPC6 #1395 Total £144.62
    SPC7 # 051 Banked so far £100 TOTAL £142[/SIZE]
    SPC8 #051 £46 :(SPC9 #51 £1091.34 :T:T
  • nctmum
    nctmum Posts: 128 Forumite
    Thats a really good bag Kerri, I am trying to find a sewing class in my area as I would really like to be able to use a machine. I am also trying to finish a blanket I started knitting when I was pregnant with my daughter - she's five next Friday!
    :xmastree:POMDB Xmas 2013 Board - Paid off £12k in 2012 :j:j :xmastree:


  • mf0u1098
    mf0u1098 Posts: 1,595 Forumite
    1,000 Posts Combo Breaker
    Soooooo I've finally got my m@tch.com account validated and have just sent someone an email... :eek: I've never done this before so have no idea what to expect...:o
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • Paid £120 to CC today from birthday pressie money (i'm determined to pay my debts off by Xmas :() so that makes

    No. 069 £3435 / £7719 = 44.5% :D
    Life's little instructions- Treat everyone you meet like you want to be treated..Watch a sunrise at least once a year..Strive for excellence not perfection:j
    £2 SC no.70 £140/£350
    SPC no.73 SPC9 £248 SPC10 target £250
    DFBX12 No. 069 £7719 / £7719 DEBT FREE 30/11/12
    2013 mfw No.4 MORTGAGE FREE 5/8/13
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Good luck Jemma!

    Thanks mumof3 and nctmum, it's amazing how much money I could have saved if I'd made things myself long ago. I'm just trying to tot up how much I've spent on sewn items that are easy to make and it's quite ridiculous. This consumer society really has taken over our lives hasn't it!

    Tonights meeting was quite daunting, but the ladies were really friendly although they looked confused as to how I knew about the meeting. I think I'm more suited to the sewing group though but that's not fully established yet, so for now I shall try to continue with the crochet and knitting whilst doing the sewing in my own time.

    No debt reduction to report today as my expenses system is broken so I don't want to throw £50 of my fleabay money at my c/c until I'm sure it won't leave me skinty mcflinty. Well done to all those that have made payments today. Hope the weather improves tomorrow xx
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • Annelien
    Annelien Posts: 53 Forumite
    Just realised I have sort of lost track of this challenge but after making a couple of payments just now thought I'd update it!

    #226 £485.44/£16,904.29

    Not much down yet so far, but expecting a nice sum in June which will see the debts go down a bit!
    Also applied for raising my OHs DLA from middle rate to higher rate as he's got really bad, so fingers crossed we get it - that would make the world of difference! :eek:
    :j "Pay ALL your debt off by Xmas 2012" #226 £4243.5 / £16,904.29 :j

    Determined to reduce the debts this year!

    Affirmative thinking: I AM happy, I AM healthy, I AM slim and I HAVE money!
  • Superheavy
    Superheavy Posts: 468 Forumite
    Decided to take the savings I'd got and use them to make a partial payment on the car loan. The interest it makes sitting in an ISA is much less than I'm paying on the loan, so it makes more sense, and each loan payment will deal with more of the capital now too.

    I should be able to do a little more before the end of the month, depends how much more freelance work I can complete.

    Here are my updated figures:

    #123 - 3667 / 10762
    DFW - DEBT FREEEEEE!

    Total - 10762/10762 :)

    Every silver lining has its cloud.
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