Pay ALL your debt off by Xmas 2013

tylersbabe

Well nothing paid towards my target yet, but I am managing to stick to my budget for the most part. Need to do some "tweaking" when I finish a late shift from work

My new mantra needs to be "just because tesc*s is open 24hrs does not mean you need to frequent it at 11pm, just cause you have had a bad shift" :rotfl:

Well done to all those paying amazing amounts off their targets :beer:

recurrent-ostrich

Can I just say......

....I've just closed my N*xt account!

:j:j:j:j:j:j:j:j:j:j:j

It's been a ruddy millstone around my neck for years, tempting me with rapid delivery of clothing goods and VIP sales of ol' tat no-one else wanted at bargainous prices. But it's GONE! Ha!

Today is, I feel, going to be A. Good. Day.

SpagBol

Sorry everyone, busy day yesterday :j and just between a run and the weekly shop now but will update when I get back

32b3in2013

recurrent-ostrich wrote: »

Can I just say......

....I've just closed my N*xt account!

:j:j:j:j:j:j:j:j:j:j:j

It's been a ruddy millstone around my neck for years, tempting me with rapid delivery of clothing goods and VIP sales of ol' tat no-one else wanted at bargainous prices. But it's GONE! Ha!

Today is, I feel, going to be A. Good. Day.

woooohooooo, well done. Next is on my list too, I will be rid by the end of the year :beer:

Shrewbie

Hey everyone :hello:

Cheers for letting me rant r.e. my rent situation. think I'm just about over it, as kerri said it's the cost of renting these days and we just have to swallow it and try not to flat-hop too often!!

For those suffering with low mood etc, have you heard of the lightbox things you can get? They're not cheap tbh but we have one at work which I sit in front of occasionally and have to say do make me feel slightly better (may be placebo though!!) I bought my OH an alarm clock one for xmas, it wakes you up with a light that gradually gets brighter, in the theory that it is the 'natural' way to wake up, and makes you feel less tired. He hasn't tried it yet as it never worked out of the box so we need to swap it but the reviews of Amaz0n are pretty positive.

Although I have been massively setback with paying for agency fees and lack of return of previous tenancy deposit I have been doing well on bargain hunting for my lunch! I set myself a limit of all work lunches for the week (5 days) for total of a £5, which I did mainly through hunting for heavily discounted supermarket food. I found I actually enjoyed the challenge!!

Shame I ruined it by buying takeaway last night

I have just signed up for the "Tough Mudder" challenge with some friends. Absolutely terrified as it's 12 mile assault course type of thing and means I'll need to do exercise 5 TIMES a week from now until 4 May aaarrrghghhhhhhhh!!!

Thanks for keeping me motivated on the debt busting everyone xx

Happy belated birthday Spag bol!x !!!!

Shrewbie x

mumsiemum

recurrent-ostrich wrote: »

Can I just say......

....I've just closed my N*xt account!

:j:j:j:j:j:j:j:j:j:j:j

It's been a ruddy millstone around my neck for years, tempting me with rapid delivery of clothing goods and VIP sales of ol' tat no-one else wanted at bargainous prices. But it's GONE! Ha!

Today is, I feel, going to be A. Good. Day.

Congratulations!!! :T:T:T

SpagBol

Thank you all so much for the Birthday wishes :A:beer: I had a lovely day, Les Mis is a fantastic film (except for Russell Crowe, what were they thinking?!?) and had a lovely Thai takeaway on the way home

Kerfuffle wrote: »

Well I'm finally off the starters block.

I've updated my signature accordingly and I'm happy to say that I've managed to transfer 459.53GBpounds to my various pots.

304.16 to repay an interest free loan from Bank of Mum and Dad
83.87 to the 'Save 12K in 2013 challenge'
71.50 to overpay my mortgage.

#24 304.16 / 14300


Thanks to everybody who contributes to the thread as this keeps the motivation going.

Well said Kerfuffle :T and well done for the payment!

amr547 wrote: »

can't believe it's still 2 weeks til pay day

having my hair cut tomorrow. keep dipping it in my soup, tea, etc so it needs chopping

does anyone else feel a bit miserable now the cold has really hit back and thees snow on the way?

Same, 2 weeks 'till payday here too :eek: I actually like the cold weather BUT I have had this cold for ages and now it seems to have affected my sinuses which is getting me down.

recurrent-ostrich wrote: »

Can I just say......

....I've just closed my N*xt account!

:j:j:j:j:j:j:j:j:j:j:j

It's been a ruddy millstone around my neck for years, tempting me with rapid delivery of clothing goods and VIP sales of ol' tat no-one else wanted at bargainous prices. But it's GONE! Ha!

Today is, I feel, going to be A. Good. Day.

WOO HOO!!! :j:T:j:T

SpagBol

Oh, and:

#002 £748 / £45,000 1.66%

:j

suzitiger

I need a proper catch up chat and read but for now I am just popping in to say another £15 payment made. :j

loubie_lou

I've had an email this morning alerting me to a change that was made to my credit file, nothing major.

Now looking at my credit file got me thinking. I know it was my own fault running up debt and then struggling to pay it off thus incurring charges and defaults etc. But it's really unfair that defaults last for 6 years isn't it?

I mean I will NEVER run up serious debt again but I suppose it's a deterrent for those who will never be good with money but a hindrance to those who have changed their ways. Just a mini rant