Pay ALL your debt off by Xmas 2013

amr547

hooray i have food again!!!! and toilet roll! the bare necessities:rotfl:

minicooper272

amr547 wrote: »

hooray i have food again!!!! and toilet roll! the bare necessities:rotfl:

How long to pay day now? I'm scared how fast this month is going, but pay day still feels ages away for me!

amr547

minicooper272 wrote: »

How long to pay day now? I'm scared how fast this month is going, but pay day still feels ages away for me!

6 days :eek: fortunately O/H is paid in 4 days so i will have some money in my account (he transfers money over to pay for his half of the bills etc) :T

we need to finish xmas shopping this month and my open uni fees start up too! £800 i must think that it was a much cheaper way of getting my degree than going to brick uni, but its still a lot of money.

add to that, O/H's car needs two new tyres and we need to save for O/Hs car MOT and tax in Feb, my tax is feb too but only £20, I also renew my insurance in March and O/H's is April. flippin hell, it's not going to be a good start to the year is it?? at least i'm thinking about it now though, better than coming to february and think oh :mad: lol

minicooper272

You know when they're due, so at least you can start putting money aside now, which will help.

I have an ISA and a savings account, the savings account is dedicated to insurance, birthdays, MOT and car repairs. Because I only started it in April, it didn't have as much as I needed for my car insurance and MOT in August, but it meant I could afford to take just a one month break from my goal, and still afford to enjoy my month! I'm hoping it will get bigger and bigger, so I can afford to buy a newer car or something.

kerri_dfw

I only buy 12months tax now which is fab, set money aside each month and try not o touch it. Hoping to pay for insurance in full next year, that'll be amazing and save us a few quid too. So much easier than living month to month and worrying when a big bill comes in

amr547

im hoping to pay in full this year, it was only 400 quid last year but was still getting sorted and OH had just bought the car! hoping itll be 300 or so this year

affordmylife

hi everyone.

my finances have gone completely awry so im declaring myself out.

im not going to earn enough between now and Christmas to clear my debt and certainly not with Christmas to pay for even though im going to be super frugal and make everything I can.

ill be back for the next one tho x

kerri_dfw

Aw affordmylife stay with us. I didn't make it for 2012 and some long haulers won't make it until 2013. But we still like hearing the updates no matter how small they may be.

parsniphead

Affordmylife

I have no chance of making it either now bar robbing a bank but i don't think I would have achieved what I have without the support of this thread.

I hope you hang around. We will make it in 2014.:T

minicooper272

affordmylife wrote: »

hi everyone.

my finances have gone completely awry so im declaring myself out.

im not going to earn enough between now and Christmas to clear my debt and certainly not with Christmas to pay for even though im going to be super frugal and make everything I can.

ill be back for the next one tho x

Don't go!! I signed up for the 2012 challenge, and by this point I knew I wouldn't make it, but is till kept at the challenge. At the very least it reminded me not to treat it like a week off my diet and go on a spending spree! It's up to you really, but you're not in it alone!