Pay ALL your debt off by Xmas 2013

SpagBol

32b3in2013 wrote: »

good thinking Spagbol, maybe some new make-up. I just returned an unwanted gift and changed it for a new bottle of perfume, so I have treated myself today

whole amount will probably go on the debt now.

The first thing I am buying when all debt has gone is a macbook air. I will deserve it by then :rotfl:

The bootsale will probably be packed tomorrow, especially as most shops will be closed. Not sure that people can cope with 1 day of not buying something!

That's good to hear, we were worried it might be empty with the triple whammy of the weather (just started snowing again !!!!!!! :eek:), Easter and the clocks changing.

Good news about the perfume so you can throw the whole £550 at your debt!

amr547

Does anyone feel like, other than being DF, they don't have much to look forward to??? being DF is an achievement in itself but feel like there's not much else to look forward to doing, so i'm constantly stuck in a cycle of being bored of now, looking to what is next.

SpagBol

Slimming world diet is not going well this week!!! :EasterBun

SpagBol

amr547 wrote: »

Does anyone feel like, other than being DF, they don't have much to look forward to??? being DF is an achievement in itself but feel like there's not much else to look forward to doing, so i'm constantly stuck in a cycle of being bored of now, looking to what is next.

Yes I know what you mean but I think this has been a problem for me my entire adult life, not just when in debt! In fact I think it's one of the reasons why I am IN debt, I always have a project on the go and often it used to involve buying stuff

seriousDFW

Long-overdue update: I now have £2595 of debt, a reduction of £779 since the start of the year. Considering we're 3 months into the year I'm pretty disappointed by that; we had a massive overspend last month and need to get back on track now.

Should hopefully clear the last amount by the end of May at the latest. If I can raise £600 by the end of April, we could be completely clear by then which would be fantastic. So, things we will be doing to achieve that:
- eBay clearout. We already have a box of things to sell. We will use Easter Monday to photograph and list everything.
- We are owed £100 from Quidco. Can't really do anything to make this come faster but the sooner we get this the better.
- We are selling one of our cars. This will save insurance and MOT/Tax which is due next month, but the car's only worth about £300. This will be an inconvenience for a while but in a few months we will hopefully have saved up enough to buy another car if we need it.

I now need to spend a few hours catching up as I've avoided this thread since January out of guilt for not debtbusting as hard as I could!

amr547

SpagBol wrote: »

Yes I know what you mean but I think this has been a problem for me my entire adult life, not just when in debt! In fact I think it's one of the reasons why I am IN debt, I always have a project on the go and often it used to involve buying stuff

I feel like I need to spend to be happy. It's not a good thing lol.

re: diet.......yeah, I've just eaten like 5 chocolate digestives cos my OU essay is stressing me out :mad:

32b3in2013

SpagBol wrote: »

Slimming world diet is not going well this week!!! :EasterBun

Welcome to my world. Hot x buns, pizza and creme eggs are going to be my downfall at the next weigh-in!!

32b3in2013

seriousDFW wrote: »

Long-overdue update: I now have £2595 of debt, a reduction of £779 since the start of the year. Considering we're 3 months into the year I'm pretty disappointed by that; we had a massive overspend last month and need to get back on track now.

Should hopefully clear the last amount by the end of May at the latest. If I can raise £600 by the end of April, we could be completely clear by then which would be fantastic. So, things we will be doing to achieve that:
- eBay clearout. We already have a box of things to sell. We will use Easter Monday to photograph and list everything.
- We are owed £100 from Quidco. Can't really do anything to make this come faster but the sooner we get this the better.
- We are selling one of our cars. This will save insurance and MOT/Tax which is due next month, but the car's only worth about £300. This will be an inconvenience for a while but in a few months we will hopefully have saved up enough to buy another car if we need it.

I now need to spend a few hours catching up as I've avoided this thread since January out of guilt for not debtbusting as hard as I could!

Welcome back. You have still paid £779, which is £779 more than nothing <you can't argue with my logic can ya? lol

Life gets in the way sometimes, but at least you have a plan to get your debt busting moving again.

Watch the postage when listing your ebay items, the postage is increasing significantly on Tuesday.

32b3in2013

amr547 wrote: »

Does anyone feel like, other than being DF, they don't have much to look forward to??? being DF is an achievement in itself but feel like there's not much else to look forward to doing, so i'm constantly stuck in a cycle of being bored of now, looking to what is next.

I have a laptop with an apple on the lid to look forward too

After I have bought that I am saving for a mini coupe. I don't need one, I just want one, and I want to pay cash rather than get finance for it :j

edit, sorry for clogging up the thread, I really must learn to multi-quote!

amr547

32b3in2013 wrote: »

I have a laptop with an apple on the lid to look forward too

After I have bought that I am saving for a mini coupe. I don't need one, I just want one, and I want to pay cash rather than get finance for it :j

edit, sorry for clogging up the thread, I really must learn to multi-quote!

i need to finish paying for my car :rotfl: can't wait for that day. it's not particularly a lot but it'd be nice to know its actually fully mine!

i've decided when i have finished my studies we are going to make the house look nicer - buy some little bits of furniture or something. some new lamps / lampshades and curtains thats something to look forward to ! and maybe buy some flowers for the garden, i did try and plant some last year but it was a nightmare hahaha