Pay ALL your debt off by Xmas 2013

32b3in2013

rogueylawyer wrote: »

I haven't posted for ages. I nearly didn't come back because I'm more than a little bit ashamed.

I managed to pay 21% off quite quickly, but then things slid, as they always do. I used all my saved spare cash to pay off the credit cards, then in quick succession had a weekend away with a friend that was far more expensive than I had thought it would be, a hen weekend, my OH's big birthday and huge problems with a tooth that have resulted in an unplanned root canal and more than 5 trips to the dentist who, lovely man, despite being paid privately didn't charge me for a whole bunch of attendances and antibiotics, and kept to the original root canal cost. Of course the root canal still cost the best part of £300, but I still have the tooth and can actually eat on that side, and no longer have a hugely swollen face.

So. The finances have taken a massive hit. I didn't manage to do any paid overtime in January and so, because it's all paid a month in arrears, I won't be getting any extra until the end of March.

My new total therefore stands at 234.57/3730 I can't even work out what that is, percentage wise, my brain's on strike.

Sorry for letting everyone else down on this month's total.

Don't stop posting, it happens to us all. A £600 handbag made me buy it in feb. these things are sent to try us eh?

amr547

Don't feel bad guys. We're not perfect and we need to have a treat every now and again, I feel - else we would go mad. Weh aven't really hd a treat for a while and all I;m thinking about is pay day which isn't healthy!!! Gonna make it our aim to have a couple of days away some where during the summer - any suggestions? Ideally in England so we can drive. My little motor is quite fuel efficient so I imagine it would be cheaper than going abroad etc....lol

Oh, any ideas how long it should take DCAs to send updates to CRAs re: debts? Wondering when I can expect experian/equifax/noddle to update their records.

minicooper272

amr547 wrote: »

Don't feel bad guys. We're not perfect and we need to have a treat every now and again, I feel - else we would go mad. Weh aven't really hd a treat for a while and all I;m thinking about is pay day which isn't healthy!!! Gonna make it our aim to have a couple of days away some where during the summer - any suggestions? Ideally in England so we can drive. My little motor is quite fuel efficient so I imagine it would be cheaper than going abroad etc....lol

I don't know where abouts you live, but we really enjoyed our holiday to Cardiff last September. It was a great place to spend a week, tons to do! I'd say west coast Scotland as well, but if you want England, there's always the lake district. I haven't been myself, but my friend goes caravaning there each year, and it's usually cheap.

PinkPepperPot

I finally have some payments to report :jMember 147 - payment of £152.39 made today so my new total is:

£388/£3288

I am now below the 3k mark, woohoo!!! :beer:

amr547

Thanks for your suggestions Minicooper!!! I think peak district might be closer to us - anyone been there?

Still two and a half weeks til pay day... hurry UP! OH is paid a week on friday...

Still super impressed at how much we have paid off so far though!!!!

32b3in2013

Hello

Todays items have started ending on ebay.

I should probably wait until they have all been paid for but I can't, so I have made a payment off of my credit card with the money from the first few paid for

#11 - £3557.97/£10,224 = 34.80%

I will be back later

32b3

32b3in2013

PinkPepperPot wrote: »

I finally have some payments to report :jMember 147 - payment of £152.39 made today so my new total is:

£388/£3288

I am now below the 3k mark, woohoo!!! :beer:

Yay, well done. going into the next number down is a big achievement :j:T

32b3in2013

amr547 wrote: »

Thanks for your suggestions Minicooper!!! I think peak district might be closer to us - anyone been there?

Still two and a half weeks til pay day... hurry UP! OH is paid a week on friday...

Still super impressed at how much we have paid off so far though!!!!

You should be impressed. You are doing really well x

amr547

Right. This is my plan of action

DFS, 30th March: ~£1k
LW: 30th April, £340ish

OUSBA and loan finish 7th June and 15th June respectively, so I will leave those to run their course. So DFD is JUNE!!!!!! :j Assuming nothing goes wrong between now and then :eek:

theposhbint

Hello all,

I've been working away on ebay, a 2nd job on odesk and scrimping on the shopping & money saving any way I can and its finally starting to pay off!

#55 £520.50/£10715.00

So just another £194 or so to go and I'll be under 10k - which should be by the end of this month..yay!
I have to say having started with 45k a good few years ago this last 15 seems to be taking forever but I am determined.
DS is starting his free 15 hours nursery place in April, so as much as I'll miss our adventures I'll soon be able to hit this debt even harder :T