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

mumsiemum

jakes-mum wrote: »

Thnks for making sure we have the entire christmas period to worry about where our mortgage payment is coming from you *expletive* as we've had to use every penny of our savings to cover your last 'decision time'

Wishing you all the best an sending mega amounts of hugs ((((((((((((((Jakesmum)))))))))))))))))))

MM

suzitiger

jakes-mum wrote: »

Grrr!! *Rant Alert*

DLA, your decision makers should be ashamed of themselves, WHY exactly did we have to wait over 15 weeks for a decision due to you waiting for all the information for you to then not even bother to read it? :mad: I stated no less than 4 times on the form that DH cannot walk more than 30 mtrs WITH a walking stick, and that is at a very slow shuffle, I can actually walk faster than him and im on HRM! and not at all without, yet you decide he can walk unlimited 'with the help of walking aids' so is not entitled to anything at all :mad:

Ohhhhh Jakesmum, that is SO carppy, good for you for standing your ground though, just keep hassling them and I am sure it will speed through. Its probably just their first hurdle to put people off, though its really naughty that they do things like that. :mad:

SpagBol

Morning all!

I'm going to declare £100 off my OD after payday but being cautious before other money comes in because we have lots of random things to pay for this month:

#084 £15,820 / £58,000 27.28%

:j

Munchin

Hi all

I think this will be my last payment of 2012 -

Number #97- £6120/£8030 (76%)

Quite pleased that I have paid off over £6000 in 2012 which I couldn't have done without this challenge. So many thanks and I'll get ready for the final push in 2013:D.

nctmum

Munchin wrote: »

Hi all

I think this will be my last payment of 2012 -

Number #97- £6120/£8030 (76%)

Quite pleased that I have paid off over £6000 in 2012 which I couldn't have done without this challenge. So many thanks and I'll get ready for the final push in 2013:D.

Its still a brilliant achievement, well done!:T:T

minicooper272

Oh dear jakes-mum what pests! It is probably one of those tests, if you turn them down 3 times and they still apply, they must really want/need it *touch wood they only make you apply twice* but if anyone can have a great mse Christmas, it's you!

Well you know you're committed to budgeting when you get in at 3am a little tipsy *cough cough* and make a note of everything you spent in your budget planner. Including the 70p found on the floor, and the 80p the man at the bar short changed you by :mad:. Although in the last few weeks I have spotted some areas I didn't realise I was wasting just so much money, so no toiletries til New Year, and need to cut down my food bill. I'm shocked just how much I spent on food when I was (supposedly) watching what I spent, can't imagine how much I spent when I wasn't watching!!

I have paid off a little more, over £2000 mark! But I think I'll update next week after pay day!

choclover

Think hubby maybe having a mini LBM! He was looking at cashback sites the other night and today he's been doing some car insurance quotes (as this is due next month ). Quote - "I'll get £40 cashback with this one so that'll bring the cost down to £260!"

suzitiger

minicooper272 wrote: »

Oh dear jakes-mum what pests! It is probably one of those tests, if you turn them down 3 times and they still apply, they must really want/need it *touch wood they only make you apply twice* but if anyone can have a great mse Christmas, it's you!

Well you know you're committed to budgeting when you get in at 3am a little tipsy *cough cough* and make a note of everything you spent in your budget planner. Including the 70p found on the floor, and the 80p the man at the bar short changed you by :mad:. Although in the last few weeks I have spotted some areas I didn't realise I was wasting just so much money, so no toiletries til New Year, and need to cut down my food bill. I'm shocked just how much I spent on food when I was (supposedly) watching what I spent, can't imagine how much I spent when I wasn't watching!!

I have paid off a little more, over £2000 mark! But I think I'll update next week after pay day!

Wow that is super dedicated I waste a HUGE amount of money on toiletries as I find it VERY hard to resist, I work for one of the nicest, smelliest cosmetics company in the UK, and its NOT the B*dy shop.
Lucky lucky me as I love it there and always have but it is such a temptation being around all those lovely products every day even with the discount. I have curbed in the last couple of months so I am now not spending unless it is something I have ran out of.

Munchin wrote: »

Hi all

I think this will be my last payment of 2012 -

Number #97- £6120/£8030 (76%)

Quite pleased that I have paid off over £6000 in 2012 which I couldn't have done without this challenge. So many thanks and I'll get ready for the final push in 2013:D.

Munchin this is great well done! I will be here next year too for the final push

psychopathbabble

suzitiger wrote: »

I work for one of the nicest, smelliest cosmetics company in the UK, and its NOT the B*dy shop.

Does it begin with L by any chance? I LOVE that shop!

mf0u1098

Well I've been away for the weekend so not managed to look at your posts yet. I stayed with my sister and her husband in Yorkshire (bit of a mobile dead spot to be honest!). I helped them de-rig at a show at the Alhambra Theatre in Bradford as they do the sound and lighting for the shows. We had a good laugh and spent Sunday putting up Christmas decorations!

I've had some terrific news, remember several months ago, I helped my family's company by putting money in there instead of paying off my loan (not very mse for me but it saved my family's business while they were struggling which is far more important!)....???? Well.... they are giving me the money back which means I can put an offer in on that house I loved!!!! I'm viewing it tomorrow evening with my family. It's on for £98k but am hoping to get it reduced SIGNIFCANTLY as there have only been 5 viewings on it since it went on in May... Looking at it, it needs completely gutting so this will probably have put off other first time buyers who can't afford it cos it needs a new bathroom, kitchen, carpets, fire.... plus decorating etc which will come to about £10k. I'll have to replace the carpets in the living room and bedroom first as well as just painting the wall paper for now until I've enough money to actually do the job properly. I've enough money to also rip out the bathroom straight away (it has an avacado bathroom suit, wood panelled ceilings and shelving plus a horrible swirly patterned carpet....YUCK!!!!) Everything else will need to be done up bit by bit as I am NOT getting in to debt again by doing it up all at once. I have most certainly learned my lesson. Besides, it will be quite nice to save up for what you want as it will mean more. I'm thinking of it as old style house decorating!

Anyway, must dash as I'm at work but will log on and catch up with you all properly tonight xxx

p.s. it's less than a month until christmas now...!!!!