Pay ALL your debt off by Xmas 2013

matildasmum

:)Hi guys -can i join you too please... due to my husband having a quiet year self -employed and significant house decorating we have emassed a huge credit card debt that scares me senseless. I need 2013 to be year of austerity and a busy one for the Mr!
Help:eek: ...aiming for £5280 off £11k

theposhbint

Count me in for another year. Last years efforts started well but sadly lapsed considerably.. but determined I am to shift at least half this year.

I can't remember what number I was but my figure is £10,715 this year. Started at over £44k many moons ago :eek: so I will get there..

lemonpopsicle

matildasmum wrote: »

:)Hi guys -can i join you too please... due to my husband having a quiet year self -employed and significant house decorating we have emassed a huge credit card debt that scares me senseless. I need 2013 to be year of austerity and a busy one for the Mr!
Help:eek: ...aiming for £5280 off £11k

I sympathise my DH is also self employed - it's all a bit scary, if they don't get any work they don't get any pay :eek:

marietje

My OH is also self-employed. Luckily we can survive on my salary alone, which we did for three years until a year ago. Unfortunately it's very tight on one salary so we couldn't pay off much debt.

his_missus

matildasmum wrote: »

:)Hi guys -can i join you too please... due to my husband having a quiet year self -employed and significant house decorating we have emassed a huge credit card debt that scares me senseless. I need 2013 to be year of austerity and a busy one for the Mr!
Help:eek: ...aiming for £5280 off £11k

It can seem very scary seeing all your debt in one lump sum but don't worry too much, you're in the right place to deal with it

Just bought my first xmas pressie for 2013 in the sales, a royal jelly gift set from B00ts at half price. Mum asks for one every year so I thought may as well save myself a few quid:D

mumsiemum

theposhbint wrote: »

Count me in for another year. Last years efforts started well but sadly lapsed considerably.. but determined I am to shift at least half this year.

I can't remember what number I was but my figure is £10,715 this year. Started at over £44k many moons ago :eek: so I will get there..

Thats a brilliant reduction :T:T I am finding the last 20% hardest to shift, but I'm determind to do it in 2013!

couldsavemore_2

I want to join in please. we have about £14000 of debt will have definite figures on Sunday. I want to clear all this by December 31/2013 they have been hanging around long enough.it's like a heavy weight on my shoulders all the time and causes sleepless nights. we have more than enough to pay it back its just a case of getting on with it.

lemonpopsicle

A small fleabay sale means I have £290 in my safety pot :j BUT a Christmas overdraft seems to have crept up on us so any more fleabay sales (and payments that would have gone to NR before we paid it off) will go towards that for a bit. We'll just have to hunker down for Jan and Feb :mad: Grrr I thought I had all this debt lark sorted.

vw_campervan_mum

Hi - have I been missed? I want to be in please

# 234 £10480/£12468 84% paid off!!!

Been away on holidays - will have to read 7 pages already of this lovely new thread :T

his_missus

lemonpopsicle wrote: »

A small fleabay sale means I have £290 in my safety pot :j BUT a Christmas overdraft seems to have crept up on us so any more fleabay sales (and payments that would have gone to NR before we paid it off) will go towards that for a bit. We'll just have to hunker down for Jan and Feb :mad: Grrr I thought I had all this debt lark sorted.

Don't feel too disheartened lemon,you have the means to pay the OD and still have your safety pot AND you're equiped to deal with it