Pay ALL your debt off by Xmas 2013

fennmad

This has been such a long week. I really can not wait until pay day. Only thing is I don't know how much I can put to wards debt yet as we have just changed our mortgage (from 6.9% to 2.89%) I know the first payment will be more than the normal amount plus I think it will work out I will paying it twice before we get paid again!
I just know in the long run we will be better off but just got to grit my teeth and get through another month!

Well done to everyone so far with all the payments. The amounts look great :T

kerri_dfw

*skulks in*
I need to amend my total owing I may have just bought us two cats to complete our household. We now have a stunning little Bengal called Leo who is hiding in the ensuite until it's night time, then he comes right up onto the bed and runs away if we move. We also might now have a gorgeous chocolate point siamese called Chloe who sleeps IN the bed!!!
Chloe was to coax Leo out, which has worked but she went on the credit card. So I'm going to have to declare myself back to:

Current debt:
£2900

I have had some expenses come back today which will go straight onto the card and the card isn't completely maxed out, so I'll give a proper update a bit later and maybe a photo.
That's it for spending now though, it's time to batten down the hatches for 2013!

choclover

SpagBol wrote: »

No, keep updating!! I love updates, I'm just a bit jealous :rotfl: WELL DONE! :T

PAYDAY TOMORROW!! :j:j:j:j

Yippie!!! Can't wait! Seems like this month has gone on forever! I still haven't caught up yet, hopefully will be able to do it tomorrow.

Three things sold on ebay last night, just need to package them up and will probably send them tomorrow and the proceeds can go to the debts. Still haven't managed to put anymore on there .

Well, hubby and I had a chat last night about this PPI money, and a lot of other things. He said I should pay it off my Next account as even though it's not the highest APR debt we have, the repayment amount is around 10% of the balance, so paying off £655 should free up around £70 to put towards other debts. I totally agree with him on this, especially if I pay my usual payment as well of £90 it will only leave me with £190 to pay :j. However, I'm a bit miffed that he squandered his bingo winnings and now he's telling me what to do :mad: (even though I think he's right). It would have been nice to treat myself to something as I'm the one who always seems to missed out!

Anyway, we also talked again about what I should do work wise, as I mentioned it might be difficult going back to work when we said I would as I'm still breastfeeding and working weird shifts which would just confuse DD2. We worked it all out, and agreed that it's best for me not to go back to work and be a stay at home mum for the time being. However, this does mean obviously that we will have less money coming in that can go towards our debt payments, so our debt free date has been pushed back to Sept 2015 , but on the plus side we will have more time together as a family. So I actually don't feel too bad about it the DFD or the money he squandered.

LunaLady

Morning all,

Paid a bit more off today, so my new total is £47.86/£1566, so just over 3% paid off now.

mumsiemum

SpagBol wrote: »

If you can't post the links pm them to me and I'll post them on here, they sound good

Here they are - if you have time start from the begining and follwo their journeys.

http://frugalincornwall.blogspot.co.uk

http://mortgagefreeinthree.com

The second one is someone who had threads on MSE starting with when she was left with 73p and a few nappies standing in the bank with two young children and the bank had frozen her account. A single mum her story is inspiring and even though she is now debt free she still shares all her thrifty tips and recipes on her blog. It inspired me to be more creative with my cooking from scratch and save a shedload of money in the process. They have both really helped me - keeping me sane!!

choclover

LunaLady wrote: »

Well done

my new total is £38.76/£1566 - 2.47% for #127

Going back to the cleaning thing, I am about an 8, and I have to wrestle with myself as I am struggling to find the time to keep on top of it. I am at uni part time, work 30 hours and have three children who like to make a lot of mess. When I am rich I am getting a cleaner

Oooo me too it's on my Jakes-mum style wishlist!

choclover

Just listed 4 more things on ebay and have a watcher on 1 of them already!

recurrent-ostrich

Last sleep before payday! Thank GOODNESS!

amr547

It's almost pay day! :j:j

mumsiemum

recurrent-ostrich wrote: »

last sleep before payday! Thank goodness!

amr547 wrote: »

it's almost pay day! :j:j

Yay!!!!!!!