Pay ALL your debt off by Xmas 2013

youknowwho

Morning all - I have decided to have a productive day seeing as Im still off work. So round two of washing is is, been to get Euros for my week skiing tomorrow. (This was a free holiday, otherwise I would not be going!!!) I have only bought £150 worth of Euros so I am going to have to be very careful on what I spend! Also, just need to finish my Spanish Assignment, which if i get off this site, I could have done by midday!! then pack up to go home, then pack to go skiing when I get home!

HelenPie

nctmum wrote: »

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

Was that the current issue? I would be interested to read it. :cool:

affordmylife wrote: »

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

Hope your dog is ok? Nothing serious...?

HelenPie

SpagBol wrote: »

Still feeling v poorly today

Also v tense as DH gets paid on 6th but rather than pay him today like normal companies we have to bite our nails until 7th which is the day our mortgage comes out :eek:

This happened last year and I cancelled the DD (on advice from mortgage company) and we could see his wages to shuffle around from the saturday so fingers crossed that happens this time!!

Hope you feel better soon

fallenwiccan wrote: »

I can't believe it's only the 4th don't get paid until the 30th

Nor me! I think I paid too much towards the CC this month and have left myself short. I've got my 30th birthday celebrations to think of before next payday, too!

fallenwiccan wrote: »

I'm skint too Think the boy gets paid on the 21st, we at least have money for food and things but my money is gone which makes me feel like we have none as I see it that way so I don't spend from the joint account.

Sure car tax is due this month too, haven't had letter yet though

Watch it as I've had a couple of instances where my reminder hasn't come through in time. If you have your V5 certificate you can buy online without the reminder.

Helen x

SpagBol

StressedSteph wrote: »

Morning all,

Can I join please. I think paying 8.5k is more realistic thats why I joined the "Pay as much as you can" challenge this year.

BUT I feel if I join this challenge it might help me push further and manage to somehow pay off more than what my budget says I can.

So I am going for the full whammy.

£864paid / 17,207k

Thanks all

Hello and welcome :wave: I've added you to the front page so you can get cracking

dd1981 wrote: »

Thanks SpagBol

My totals so far are.....


£1643/£16971. 9.68%

Here's to getting them battered down

Dd
Xx

Thanks Dd, I've added your figures to the spreadsheet!

SpagBol

HelenPie wrote: »

Was that the current issue? I would be interested to read it. :cool:

Not the same article but I read a book last year about a lady that challenged herself to live on £1 a day (excluding rent) so she had to include all travel, food, drink, entertainment etc. she did really well!

I will try and remember her name but you could try googling it and getting it from the library. I really enjoyed the story, she even went backpacking and working abroad and had a romance!

SpagBol

HelenPie wrote: »

Hope you feel better soon

Thanks Helen I am deteriorating a bit now but just took the last of the ibuprofen so hope it works. FEeling really guilty about my kids being stuck in for 2 days watching telly and playing on the wii...hopefully we can do nice outdoorsy stuff at the weekend

Just tried our CDs and cookery books on [email]Z@pper...only[/email] got up to a fiver :eek:

nctmum

HelenPie wrote: »

Was that the current issue? I would be interested to read it. :cool:

Yes, I treated myself to a subscription for £22 so its the Feb edition that should be in the shops now. Also, if you google "man lived with 100 things" you will find his blog, but it was a bit deep and meaningful for me:)

I've decided to start tomorrow! My poor children - my 2 year old already gets suspicious if I put a toy in a plastic bag

SpagBol

nctmum wrote: »

Yes, I treated myself to a subscription for £22 so its the Feb edition that should be in the shops now. Also, if you google "man lived with 100 things" you will find his blog, but it was a bit deep and meaningful for me:)

I've decided to start tomorrow! My poor children - my 2 year old already gets suspicious if I put a toy in a plastic bag

Lol I did this before Xmas, selling off lots of old toys...it's amazing how baby toys suddenly become a 4-year olds favourites when they are stacked by the front door :mad::rotfl:

StressedSteph

Thanks SpagBol, will update my siggie xx

jakes-mum

recurrent-ostrich wrote: »

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.

Course I can R-O they are mostly ladies on there but are so very friendly and the admins are very on top of the spammy trainers posts that seem to crop up on every selling site

nctmum wrote: »

Yes, I treated myself to a subscription for £22 so its the Feb edition that should be in the shops now. Also, if you google "man lived with 100 things" you will find his blog, but it was a bit deep and meaningful for me:)

I've decided to start tomorrow! My poor children - my 2 year old already gets suspicious if I put a toy in a plastic bag

SpagBol wrote: »

Lol I did this before Xmas, selling off lots of old toys...it's amazing how baby toys suddenly become a 4-year olds favourites when they are stacked by the front door :mad::rotfl:

Now ladies you really should have taken a leaf out of my book before christmas 'We have to get rid of some old toys kids as we dont want Father Christmas coming down the chimney and deciding you already have enough to play with do we!' was amazing how many toys appeared by my chair :rotfl::rotfl:.

I also get little one to hand them over to the buyer if we sell on FB and collect her 'pennies' for her money box, she loves getting more pennies though a true mother of her daughter, she must have brought me most of her room by now to sell . . I had to draw the line when she started bringing down brand new toys and clothes