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

kerri_dfw

Jakes-mum I didn't say it was going to be an easy challenge You can have "brush your teeth with the tap on for only 10 seconds" if you would prefer This week it's all about saving water.

Camuk, I've just let my housemate know that we're entitled to compensation of £30 for every 24hrs we're without gas. So that'll please her when she wakes up to my text message thanks I didn't know you could claim.

Just made my payments to my c/c for Sunday, yesterday, and today
#005 £2692/£5030

jakes-mum

kerri_dfw wrote: »

Jakes-mum I didn't say it was going to be an easy challenge You can have "brush your teeth with the tap on for only 10 seconds" if you would prefer This week it's all about saving water.

That wasnt just difficult it was darned impossible in this house :rotfl:Though I think I should get bonus points for communal showering, no matter how begrudged it is on my part :rotfl::rotfl:

HelenPie

Hello all

Sorry for having been absent for so long (about 45 pages long...:eek:) I'm afraid this means that I probably wont even attempt to catch up but I hope everyone is doing ok.

I don't have an update unfortunately and am being a little "head in the sand" at the moment. I know things aren't great but I know I'm doing the best I can.

Unfortunately, I can't say the same for my OH. I gave him back his debit card so that he had it when he was going away for the weekend in mid-March. He was about £100 overdrawn at the time.

I found a torn up notice from the bank in the bottom of the recycling bin (I wan't rummaging - I just saw it and recognised it ). He is now £830 overdrawn and only has a limit of £575, so has managed to spend about £700 in one month, and because he hasn't told me is accumulating charges at a terrifying rate :eek:

I'm so disappointed in him, which is a horrid way to feel two months before our wedding day. Needless to say I have taken his card from him again and have just transferred enough from my (authorised) overdraft to bring him back to within his and prevent any more fees.

We get paid tomorrow, which should put our accounts back in the black but that money was supposed to be for the wedding. Thankfully (sort of!) I had just managed to extend my credit card limit to help with cash flow (we didn't need to borrow any more but were going to be a couple of weeks off with timings of payments so I wanted a buffer).

It's not the end of the world: we're still going to have enough for the wedding, and should still be on track for DFBX but I'm just sad.

He's been really apologetic but doesn't really know where it's gone - he says he must have just wasted it on bits, and food and drink (and cigarettes, no doubt, but that's another rant for another day!). I can completely understand this as that used to be me but I can't babysit him when it comes to finances forever: taking his card from him seems so petty but I don't know what else to do. At least he willingly gave it to me and didn't try to pretend he would be okay. What do I do once we are debt free though - can I trust him not to take us back there? He was so good with money when we met! It was me that turned him bad :rotfl:

Ok, so sorry to come back after being AWOL for so long only to have a rant, but I really needed to get it off my chest and knew that you folks would understand more than most.

H xx

loubie_lou

Urgh.....I am so tired and CBA today. Although 9 days to go and I will have 21 days off :D:D

Nothing moneywise to report till friday although I can let you know that i'll be passing FOUR big milestones then................all will be revealed then :T

Hope you feel better soon Jemma :j

Barbeduk

Hi all, have just done some catching up and it's lovely to see all those payments being made! Emptied my paypal account at the end of last week so just had £88 credited to the bank account. Also said no to a girls night out (:() so have paid off another £110.00.

#319 £3219.95/6109.94

I had some more finish on ebay on sunday night, yet more finishes thurs so hopefully there'll be another payment at the end of the week.

And would you believe it Jakes-mum, I put the wii wrist straps on for a laugh and got over £3 for them!!:j:j

Sorry to hear about your OH Helenpie. My DH hasn't looked at a bank statement for 20 years. Honestly, if he's happy having the card taken away then that's what you'll have to keep doing. Wish they could act like grown ups!

rubywhatashmoo

Everyone is doing so well with sorting out their debts - even those of you who've ha d a"blip" (however big it may be!) just think what an improvement you've made in such a short space of time!!:T

I've booked today off work to have some time to myself - my overtime has gotten worse not better since I paid off my cards - which is good as it all goes in the house/wedding fund, but I'm blooming knackered now and the house is a tip so I'm making a start on clearing up some of the junk that's accumulated over the last few weeks and getting a good rest day in - might even have a nap later, can't get more rested than that!!

I've got a load of ebay stuff to get listed and everytime I see a free listings day I mean to get it all put up then, but it never happens, so I'm gonna sit and try and clear some of my 3 weeks of TV off the SKY box and get them all lined up ready to go this evening - even paying 6p to schedule them has to be better than letting them sit around my house gathering dust!! :rotfl:

KissyKissyKaren41

Morning all from a relatively sunny south Wales x.
I've been plodding away clearing our debts for about 6 mo
nths and done really well at least 50% then we got bad news that company hubby works for couldn't up his hours yet and we lost our WTC £280 a month never rains and all that so lost the plot this month but don't want to undo all the hard work we have done shifting debts...soooooooo..........

can I be put down for £2842.00 please this is allowing £200.00 for interest too

Would also like to be added to the weightloss challenge for 56lb please x.

antonia1

Morning all! HelenPie, it really is rubbish when something sets back your debt-busting. Just keep thinking about the excellent strides forward you have made.
jakes-mum, communal showering counts as saving water methinks - kerri can I have points for showering at the gym instead of at home please? I can still try to stick to less than 2 mins as well.

jakes-mum

Ahh Helenpie men are just carp with money me thinks It really did take years and years of tantrums, crying, shouting on my part to get DH to realise he couldnt just take money willie nilly (though he still has the occasional blip ) they just never get better at it and unfortunately it looks like you'll be joining me in the babysitting club for the rest of your life.
He doesnt ever see a bill or bank statement but he also *mostly* wont dream of using his card for anything without telling me, and if he does, he will tell me (never the actual amount but a roundabout underestimated figure in the belief it will cushion the blow for me when the bill comes in :rotfl:)

Woohoo Barbeduk :j se never throw owt out till you've given it a spin on ebay unfortunately ive had a buyer contact me and say an item is not working so am currently trying to sort out a claim through the post office for damage as it worked when it left me but how far i'll get as theres no outside visual damage, I dont know

Oooo Loobie you tease!

Ruby dont forget when you actually want to list your items on eb*y, to go in before the schedules up and change to list now as then you dont pay the 6p scheduling fee Im sure oyu knew that but always worth re-iterating for everyone incase anyone didnt

See Antonia agrees with me :rotfl: points for communal showers everyone! so get other family members in there with you

choclover

jakes-mum wrote: »

Ahh Helenpie men are just carp with money me thinks It really did take years and years of tantrums, crying, shouting on my part to get DH to realise he couldnt just take money willie nilly (though he still has the occasional blip ) they just never get better at it and unfortunately it looks like you'll be joining me in the babysitting club for the rest of your life.
He doesnt ever see a bill or bank statement but he also *mostly* wont dream of using his card for anything without telling me, and if he does, he will tell me (never the actual amount but a roundabout underestimated figure in the belief it will cushion the blow for me when the bill comes in :rotfl:)

My DH is the same too, which is one of the reasons why we're in the mess we're in, at least now if he wants to buy anything major he asks me first and usually we discuss it to the point where I say no But he's always the first one to complain that we have no money, and that I'm the one who spends it, but I just remind him of how much worse things were even just a year ago and that it's not going to last forever.