Pay ALL your debt off by Xmas 2013

Debtslayer

Finally off the starting blocks:

#40 £50.00/£11209.95 = 0.45%

Kerfuffle

StressedSteph wrote: »

REALLY stupid question, but how do you automatically find where you last read up to. I have a TOTAL nightmare trying to find where I last posted.

I end up clicking on all the "Thanks" buttons to try to find where I read to, but it can take ages.

If you've subscribed to a thread then when you go to the list of subscribed threads find the thread you're looking for and to the left-hand side of the very first word there is a tiny little arrow pointing downwards. Click on this. It will take you to where you last read to. I think the only time this doesn't work is if you log onto the MSE site but don't visit the thread.

SpagBol

blackberrycurved wrote: »

Off the mark with a chq from insurance £31
Hi S Bol I see some people have put a line through their old total and put a new one - do I do that each time I pay something off or do you update front page and I keep the sig total the same.

Hi blackberry, it really doesn't matter how you record things in your sig, some people count down their debt some record payments instead (like me). It all depends how you prefer to think of your debt payments, how best you will be motivated. For this thread, if you wouldn't mind posting your number, the amount paid off so far / your target then I can update the front page

Kerfuffle wrote: »

If you've subscribed to a thread then when you go to the list of subscribed threads find the thread you're looking for and to the left-hand side of the very first word there is a tiny little arrow pointing downwards. Click on this. It will take you to where you last read to. I think the only time this doesn't work is if you log onto the MSE site but don't visit the thread.

I did not know this! Ta :T

freshstart87

Hi ive paid another £20 my debt.

#067 £103.53/ £9500
:j

HelenPie

I’ve been really really naughty the last week or so. Confession time

1. I’ve subscribed to a food delivery scheme to help me with my diet. It’s more than twice my usual grocery budget to do it but I guess it means nothing is wasted. I won’t stay on it too long but it’s just to give me a kick-start so that I have no excuses I am justifying it to myself a little as I’m only allowing myself to do it so long as I walk to/from work rather than taxi/car/bus, which I have been wasting £25-£30 a week on anyway

[LIST=2]
[*]I bought a new TV yesterday. Ours was a freecycle job (proper old-style box) but it has started flickering, producing green lines and losing sound. I’ve put it on the 0% card and did shop around (though just realised I forgot to use a cashback site! Grr!!)
[/LIST]
That is all.

In other news, I’m confused now…after finally making plans to start a family, I’ve just been offered an interview for a new job. I was headhunted and the only candidate for the job so it’s a pretty sure thing if the role suits. So…new job and delay family for at least an extra year or babies then look for another opportunity once back to work…? I think we’re going to see what happens – if I’m pregnant before it’s time to make a job decision then clearly I will stay where I am. If not, then I will have to think hard about what we want to do

SpagBol

HelenPie wrote: »

I’ve been really really naughty the last week or so. Confession time

1. I’ve subscribed to a food delivery scheme to help me with my diet. It’s more than twice my usual grocery budget to do it but I guess it means nothing is wasted. I won’t stay on it too long but it’s just to give me a kick-start so that I have no excuses I am justifying it to myself a little as I’m only allowing myself to do it so long as I walk to/from work rather than taxi/car/bus, which I have been wasting £25-£30 a week on anyway

[LIST=2]
[*]I bought a new TV yesterday. Ours was a freecycle job (proper old-style box) but it has started flickering, producing green lines and losing sound. I’ve put it on the 0% card and did shop around (though just realised I forgot to use a cashback site! Grr!!)
[/LIST]
That is all.

In other news, I’m confused now…after finally making plans to start a family, I’ve just been offered an interview for a new job. I was headhunted and the only candidate for the job so it’s a pretty sure thing if the role suits. So…new job and delay family for at least an extra year or babies then look for another opportunity once back to work…? I think we’re going to see what happens – if I’m pregnant before it’s time to make a job decision then clearly I will stay where I am. If not, then I will have to think hard about what we want to do

My advice would be to go for the job and the baby! I've fallen pregnant fairly soon into new jobs twice and whilst it isn't ideal, your employer has to get on with it and I'd rather that than pass up the job of a lifetime and discover you will try for a year before falling anyway! I had the opposite problem with my first, started new job, got married same month and assumed it would take a year but it happened 1st month

We are thinking of #3 and I have been in my current job 1 year, I very nearly stayed in my old job that I HATED so I wouldn't feel embarrassed if we tried for a third and fell quickly like we did with #1 & #2 but tbh it has taken over 6 months and nothing doing (sorry TMI!) so if we do fall now it would be well over a year...and I am in a much better job... I would just go with the flow and see what happens

HelenPie

SpagBol wrote: »

My advice would be to go for the job and the baby! I've fallen pregnant fairly soon into new jobs twice and whilst it isn't ideal, your employer has to get on with it and I'd rather that than pass up the job of a lifetime and discover you will try for a year before falling anyway! I had the opposite problem with my first, started new job, got married same month and assumed it would take a year but it happened 1st month

We are thinking of #3 and I have been in my current job 1 year, I very nearly stayed in my old job that I HATED so I wouldn't feel embarrassed if we tried for a third and fell quickly like we did with #1 & #2 but tbh it has taken over 6 months and nothing doing (sorry TMI!) so if we do fall now it would be well over a year...and I am in a much better job... I would just go with the flow and see what happens

Thanks Spag Bol. My concern is that I don't know the new firm's maternity pay policy. I would be giving up a really good one here and probably taking a pay cut anyway...But then I figure I will be happier if I go, therefore healthier and probably more likely to succeed (both personally and professionally!) x

EDIT: To be clear - we can't afford our mortgage if I'm not earning at least about a third of my full income and SMP wouldn't cut it. I know that most firms I've worked for don't pay above SMP unless you've been with them at least a year I would still be on 50% pay after 6 months maternity where I am now! x

kerri_dfw

Ooh first competition win, just won football tickets I chose a team my friend like so he can have them, I'm sure he'll be quite pleased with those.

SpagBol

HelenPie wrote: »

Thanks Spag Bol. My concern is that I don't know the new firm's maternity pay policy. I would be giving up a really good one here and probably taking a pay cut anyway...But then I figure I will be happier if I go, therefore healthier and probably more likely to succeed (both personally and professionally!) x

EDIT: To be clear - we can't afford our mortgage if I'm not earning at least about a third of my full income and SMP wouldn't cut it. I know that most firms I've worked for don't pay above SMP unless you've been with them at least a year I would still be on 50% pay after 6 months maternity where I am now! x

I know what you mean, I left NHS benefits (v good!) for SMP only and as you can see, financially with our level of debt we'd be foolish to even think about it :eek: But like everything there is no right or wrong, only a best guess of the pros and cons, you must follow your instinct and if you have to get a job doing ann summer$ when bubs is in bed or your DH gets a bar job to cover it then so be it. We weren't in debt before we had kids but I don't regret it one bit, I still say go for it

choclover

recurrent-ostrich wrote: »

Have you tried Flylady? You'll either love it or hate it, but I still use little tips i learnt from her, even though I stopped the emails about 10 years ago!

http://www.flylady.net/

It's American and very much so, but worth a look.

Wow! I need this in my life! Thank you, you're an :A!