Pay ALL your debt off by Xmas 2013

suzitiger

Winnie_in_Pooh wrote: »

Hi everyone!

Sorry I've been AWOL for a few days, work gets stupidly busy during tax return season!

*groans* I still have to do mine...help...me...GAH! My accounts are a mess, NY resolution to be more organised with the books.
Sorry that you discovered more debt than you thought you had...I hate it when that happens. In some ways...I am loads better than when I started last years challenge, but my overall debt HAS increased. I have already taken some great steps to get rid of most of it this year

idristhedragon wrote: »

Can I join (again) please. Last year with the help of this thread I managed to get rid of 3 really expensive cc's and transfer the rest to a 0% barclaycard. After years of only being able to get bad credit expensive credit cards with the help of this thread I managed to repair my rating enough to get 0%
I reckon I owe £2000 ish but am awaiting the dreaded bills to get a proper total *shudder*

Yaaay well done on getting a 0% Iris, its such a good feeling when you can finally start digging out of the hole, same for me its taken me years to get a better credit score and now that I have I can use it to shift around my debt :T

sarahckitten wrote: »

#096

Really could do with some inspiration from the people that have managed to pay large amounts off.
Help so determined that this year is going to be a good one and get debt free!!! Ideas needed

Thanks guys
x

hmmmmmm...if there are no other ways for you to earn more income, have you considered if there are any outgoings that you could live without for a little while? Even if it is only a few months it could make the difference you need to get you off the starting blocks?


I am off the starting blocks, for now I am just counting the part of my payments that are the overpayments, not the minimums.

#006# £20/2,854

Thanks for the advice about the money I am going to pay off the highest interest storecard and close it, then save the rest until payday where I can add it to my budget for Feb and make some more good payments

SpagBol

sarahckitten wrote: »

#096

Really could do with some inspiration from the people that have managed to pay large amounts off. I have managed to pay somemoney off already this month. Ihave raided my money jar which totalled to £19 which I have paid off my credit card. Ihave a few old mobiles and bits that I cansell on ebay and other websites. I have a second job additional to my full time job, I have the oppurtunity to do over time at the moment which I am planning to do.
Places where I could improve: I can do a few more hours at the second job.
I would like some ideas on things I can do on an evening to make some cash (without getting exhausted recently been diagnosed with a benign brain tumor and have also got to have an op for a different problem which will mean 6 weeks out of action)
I can sew and would say I'm quite arty but whenyou look on ebay there seems to be pages and pages of stuff that doesn't seem to sell.

Help so determinedthat this year is going to be a good one and get debt free!!! Ideas needed

Thanks guys
x

So sorry to hear about your op and tumour

Have you looked at folk$y? it's a website where people can make things so look there and get some inspiration.

Have you posted your SOA on the DFW board? People on there are very good at telling you where to cut back on utilities etc. Post it on here if you like and we can try and help. Basically ours looked as if we couldn't pay much off but we shaved money off outgoings (we haven't been out to socialise for a year bar about 5 special occasions) no takeaways etc. but we allowed ourselves wine at the weekend at home or at friends houses. We cut out some of the kids lessons etc. and days out and increased income as you have done. Anything is possible but an SOA will give the best idea.

Food shopping- go on the old-style board on here to look for ways to shop and eat more frugally and you can join grocery challenges there (shave £20 or £40 a month off your grocery budget) eat less meat, more pulses etc.

Books, CDs and DVDs you can sell on Z@pper, am@zon etc.

jakes-mum

sarahckitten wrote: »

#096

Really could do with some inspiration from the people that have managed to pay large amounts off.
I would like some ideas on things I can do on an evening to make some cash (without getting exhausted recently been diagnosed with a benign brain tumor and have also got to have an op for a different problem which will mean 6 weeks out of action)
I can sew and would say I'm quite arty but whenyou look on ebay there seems to be pages and pages of stuff that doesn't seem to sell.

Help so determinedthat this year is going to be a good one and get debt free!!! Ideas needed

Thanks guys
x

Are you on FB? if so search for local selling pages and list your items on there, plus im a member of a dedicated craft page on FB (if you want the link I can pm it to you ) it is solely for crafting items that is anything from handmade items to the stuff you use to make everything (so if you have scraps of material/ribbon/buttons/charms lying around gathering dust you can sell them on :j :j) Payment is 90% via paypal though you do get the odd PO or cheque so make sure your prices include the paypal fee.

They are a lovely bunch on there, very friendly and with some fabulous makes (I take no responsibility for anything you may BUY off there :rotfl:) but certainly a good outlet for crafty items, especially if you make something a bit more unusual (obv loads of jewellery people on there) like fimo items.

32b3in2013

Good morning

Quidco payment has arrived in my account so making another payment of £30.45.

#11 £848.45/£10224 =8.30%

Have a good day

32b3

recurrent-ostrich

jakes-mum wrote: »

plus im a member of a dedicated craft page on FB (if you want the link I can pm it to you ) it is solely for crafting items that is anything from handmade items to the stuff you use to make everything (so if you have scraps of material/ribbon/buttons/charms lying around gathering dust you can sell them on :j :j) Payment is 90% via paypal though you do get the odd PO or cheque so make sure your prices include the paypal fee.

Can you pm me the linky Jakes-mum, I have loads of craft-y bits that I want to sell -since going back to work FT I have very little time left for that sort of thing.

HelenPie

karenann76 wrote: »

Hi everyone!

I still havent sorted out my total but I have bought all of the food for the next two weeks based on the meal planner on the website I posted.

It is supposed to cost £25 per week in 2010 but I bought all of the items online and it was £46! Food is SO expensive now...it creeps up a few pence here or there so we dont notice!

Anyway the breadmaker is on for the first time in 3 years! Thats a start at least eh!

Have a nice day folks xxx

I can't believe how expensive food shopping is sometimes. I try to be good and I work from a list yet I'm still often surprised at the till I've fallen off the wagon somewhat but am getting back into it: "second-pursing". Kerri started a thread last year from an idea by Mothership to help save on non-perishables using a system to help buy in bulk at discounted prices. What we then do it effectively "buy" the stock off of ourselves at a more regular price and save the difference in a separate pot (not as confusing as I'm probably making it sound!) Anyway, the gist is that you see this pot of money going up and it's all money that you've avoided putting in the pockets of the supermarkets

idristhedragon wrote: »

Can I join (again) please. Last year with the help of this thread I managed to get rid of 3 really expensive cc's and transfer the rest to a 0% barclaycard. After years of only being able to get bad credit expensive credit cards with the help of this thread I managed to repair my rating enough to get 0%
I reckon I owe £2000 ish but am awaiting the dreaded bills to get a proper total *shudder*

Good to see you back idristhedragon Seems as though it's been a while

sarahckitten wrote: »

#096

Really could do with some inspiration from the people that have managed to pay large amounts off. I have managed to pay somemoney off already this month. Ihave raided my money jar which totalled to £19 which I have paid off my credit card. Ihave a few old mobiles and bits that I cansell on ebay and other websites. I have a second job additional to my full time job, I have the oppurtunity to do over time at the moment which I am planning to do.
Places where I could improve: I can do a few more hours at the second job.
I would like some ideas on things I can do on an evening to make some cash (without getting exhausted recently been diagnosed with a benign brain tumor and have also got to have an op for a different problem which will mean 6 weeks out of action)
I can sew and would say I'm quite arty but whenyou look on ebay there seems to be pages and pages of stuff that doesn't seem to sell.

Help so determinedthat this year is going to be a good one and get debt free!!! Ideas needed

Thanks guys
x

I would agree that trying to cut back on things, even if only small. For example, I decided to cut out my morning coffee (a terrible indulgance!) and put the money to my debts. The key is though to transfer the money you have saved as soon as you can, even if it's only a little bit, otherwise it seems to get absorbed into your account and reallocated, if you know what I mean

The other thing I sometimes do is look at my shopping receipts after my regular trip to the supermarket. Most of them tally up how much you've saved by buying things on offer. I then transfer this amount to my debts, figuring that I would have spent it anyway had it not been for the offers (clearly doesn't work when you're buying purely because something is on offer though, as with second-pursing mentioned above, but it's a similar concept).

Good luck! :cool:

dd1981

Hi everyone

Have been reading this thread and the last thread constantly but coming out of lurkerdom to start posting! Was a member of the last thread but stopped posting after debts went crazy after wedding! Now back on it and hoping to pay off as much as possible as soon as possible!

Am so inspired by how well everybody has done and how different my mindset is now compared to life pre MSE forums! I do think I'm slightly addicted lol Is it ok to use my original total from September and what I've paid off since then so I don't get confused? Is in my signature just now..... If not i can adjust it all Looking forward to chatting more on this friendly thread

Dd
xx

nctmum

sarahckitten wrote: »

#096

Really could do with some inspiration from the people that have managed to pay large amounts off. I have managed to pay somemoney off already this month. Ihave raided my money jar which totalled to £19 which I have paid off my credit card. Ihave a few old mobiles and bits that I cansell on ebay and other websites. I have a second job additional to my full time job, I have the oppurtunity to do over time at the moment which I am planning to do.
Places where I could improve: I can do a few more hours at the second job.
I would like some ideas on things I can do on an evening to make some cash (without getting exhausted recently been diagnosed with a benign brain tumor and have also got to have an op for a different problem which will mean 6 weeks out of action)
I can sew and would say I'm quite arty but whenyou look on ebay there seems to be pages and pages of stuff that doesn't seem to sell.

Help so determinedthat this year is going to be a good one and get debt free!!! Ideas needed

Thanks guys
x

Sorry to hear about your health problems, you are probably better off cutting things out than risking your recovery by getting too tired. Woman always try and do too much!

I find my monthly budget spreadsheet helps - its a bit like losing weight at slimming world etc, keeping a track keeps me motivated. I took it a bit far this year, but I added up what I'd spent on all the categories over the whole year and it gave me some ideas where we are still spending too much.

I also love the Asda Price Guarantee - I took my receipts in at christmas and they gave me £12 back from the price matching plus a £5 off voucher. I always manage to stick to my budget in there and dont bother with the money off tempters from elsewhere.

The other thing I am going to try and do is cut down what I live with, motivated by an article in Good Housekeeping magazine about a man called Dave who decided to live only with 100 things. I wont be able to get down to that level, but I am going to be ruthless and sell lots of things

Good luck with everything

SpagBol

dd1981 wrote: »

Hi everyone

Have been reading this thread and the last thread constantly but coming out of lurkerdom to start posting! Was a member of the last thread but stopped posting after debts went crazy after wedding! Now back on it and hoping to pay off as much as possible as soon as possible!

Am so inspired by how well everybody has done and how different my mindset is now compared to life pre MSE forums! I do think I'm slightly addicted lol Is it ok to use my original total from September and what I've paid off since then so I don't get confused? Is in my signature just now..... If not i can adjust it all Looking forward to chatting more on this friendly thread

Dd
xx

Hiya yes of course Just give me the figures you want to use and I'll pop them on the spreadsheet, a few from the last thread have carried over last years figures so that's fine

affordmylife

morning everyone.

this morning i have to take the dog to the vets (unplanned expense!!!).

i have £60 left to feed the 3 of us until i get paid on the 18th jan. its doable but tight. luckily we have tons of food in the freezers and cupboards.

i went to Norwich yesterday to take back a couple of things and DIDNT BUY ANYTHING so im very pleased with myself.

happy debt busting everyone xx