Pay ALL your debt off by Xmas 2013

amr547

been thinking about our debts. OH has a DMP. i'm wondering whether we should offer a reduced amount as a F&F settlement to get rid of it quicker? hmmm.

e: just had a talk with OH, the answer was sort of staring at us in the face!!! we are a couple with a plan ! watch this space...

Newlywed_Saving_Ninja

Sorry to hear of everyone's losses, it is so sad. January certainly does seem a time for it, there have been three of us in my team at work who have lost someone. I myself am going to the funeral of the father of my oldest friend. His death came completely out of the blue, so sudden and unexpected so I am finding it hard to get my head around it. Heaven knows how my friend, her mum and her sisters are feeling about it.

Just listed 6 weddingy items on ebay, really hoping these sell! Obviously because it would be money towards our debt, but also because we want our house back! Now our wedding is over and finished (we got married 11/12/12) we are sick of the sight of it all and want it gone lol.

clarissa_D

#050 £57.15 to the cc please

LunaLady

Sorry for your losses SpagBol, amr547 and tylersbabe

Still a week til payday - and limping along with the Payment a Day challenge. In better news, the 'debt' part of my total for this challenge will soon be under £400.

Hope everyone has a good Monday

armchairexpert

Little payment today, a friend reimbursed me $95 and thanks to this thread I put it straight on the debt.

#119 $5035/$8000

missy83_2

So this month wasnt a great start to clearing off my debt, the car needed its service and work done to it so that stung me £506 which couldnt go to my credit card so i only manged to pay£110 towards my total, not great but its something anyway.

£110 from £9000 is 0.012% paid off, only £8890 to go

pogie2

No 131 £540 / £2000 27%

Not bad for the first payday especially with a long month. Hoping i don't have to put anything on the credit cards this month!!

NewLeaf_2

003 Newleaf £1000 / £40000.00

kerri_dfw

Massive hugs to those that need them *hugs*

My credit card statement has just come through and my interest is even more this month than it was last month!!! The OH now has my credit card and there will be absolutely no spending on it at all no way no way.

I did buy a second kitten to keep Leo company, she's called Chloe and here's the picture you've all been waiting for. They're providing us with much laughter and enjoyment, even if they did cost us 2/3 of our rent for the month!!!

I had a few things sell on fleabay yesterday and made about £6! As I explained to the OH this is £6 more than I had last week I've relisted the other things that didn't sell in the hope that someone will buy them eventually.

I'm trying to sit down and work out a better way to do a budgeting spreadsheet at the moment. Does anyone have any advice about this? Do you use a template from somewhere? I seem to be over-complicating ours

marietje

I've paid off:

542/10263 (no. 35)

This month isn't looking as positive as last month because I'm going to have a lot of extra costs. I've still paid more than I ever did before to my credit cards (£653.66) so I'm on the right track.

Big hugs to all of those who've suffered losses.