Pay ALL your debt off by Xmas 2013

Ruthy1604

minicooper272 wrote: »

I have listed my crosstrainer on Fleabay for £15, but the auction ends Friday, and so far I have no bids. Should I drop the price, or hold out for someone to bid at the last minute?

I'm new to selling, have no idea what to do!

I'd wait too. You can always relist it for free if it doesn't sell & a lot of peeps bid at the last minute. Does it have many watchers?

piggypot12

Hi Everyone – I’ve lurked for a while but we’ve made a massive step for us of contacting CCCS to set up a DMP as we stuck our heads in the sand a bit last year about how much we really owed and now its just got too much and we’re facing up to it. If we stick to the DMP we’ll be debt free by July 2014 but we’re aiming to put every extra bit of money we can into it and are aiming to be debt free by Xmas so the support of a thread like this would really do me good.

In the process now of setting up the DMP just waiting for new bank details then will send everything off to them and send the letters off to the creditors – nervous about the consequences of it but I think its the best thing for us and we’ll get rid of the debt which is the main thing.

Currently owe £0/£8175

blackberrycurved_2

Love this thread I suppose lots of people already do this but I've bought our meat online through Hugh Fern Witty Thingies posh blokes website. It's organic and fresh and comes direct from the farmer £90 for half a pig - already cut up £85 for half a lamb including postage. It's £15 for a joint where I live. I add in a few free range chickens and mince at that's lasts us 8 months frozen saves a fortune and is fab meat.:T
Okay I think I've got this now. Number 113 £213 / £6373

whitecup

ooooh I've just managed to pay £200 off- feeling super proud that I have just paid off 3.5% of my debt (that actually is quite pathetic but I had to start somewhere!).

rogueylawyer

I've made a token payment today of £2.33. I plan on making this same payment every day until payday, to clear another 1% by the time I get paid on the last day of the month.

Updated total £934.83/£3730 = 25.0625%

whitecup

rogueylawyer wrote: »

I've made a token payment today of £2.33. I plan on making this same payment every day until payday, to clear another 1% by the time I get paid on the last day of the month.

Ive never thought of it like that before- hmmm off to spend some time with my calculator x

his_missus

Morning all!

Not really debt-busting news but just wanted to share Hubby's extended lightbulb moment. I'm not sure what's got into him recently but I'm liking it.

We were just chatting in the van on the way home about how I'll be debt free by summer and that I'll be able to save a huge amount of my wage if we stay in the same mind-set. I was saying we'll be able to start doing up the house (need new windows and doors, want a conservatory and the loft changing into a room, need to partition off downstairs from upstairs, want new bathroom and kitchen eventually to make it our dream home) and then I suggested we could look at overpaying the mortgage perhaps? Next thing I know Hubby's off on one about how we could get the mortgage paid off by the time we're 55yrs old, maybe even by the time we're 50, then we can start saving for our retirement and blah, blah, blah! Talk about looking at the future. He really has seen the light

Sorry to say but it's payday for me on Friday and there's still (just) 3 figures in the bank. Life is looking rosy today

eddi

blackberrycurved wrote: »

... Hugh Fern Witty Thingies ...

I love this and personally think this should be what he is known as from now on
I hadn't seen his posh blokes website. Will have a look.

Kerfuffle wrote: »

eddi- Well done for getting off the starters block, I've only just managed it myself so I know the feeling of relief , we're finally on our way :T

:j I've never wanted to part with money so badly in my life ... apart from maybe getting Bros tickets *cough* many years ago :rotfl:

his_missus wrote: »

Not really debt-busting news but just wanted to share Hubby's extended lightbulb moment. I'm not sure what's got into him recently but I'm liking it. [ ..... ] He really has seen the light

Is it really him? Is there any reliable way to tell it's not a clone or a terminator or something? :think: .... but if it is hubby that's brilliant :dance:

his_missus

eddi - it really is him. He's been sorting through his finances this morning, cancelled a few pointless subscriptions and worked how much he his DDs total, how much he can save and has allowed himself spending money too. It's fab!

By the way, your not my best friend in disguise are you? She's the only person I've ever met who'd admit to once having queued up for hours to buy bros tickets!

eddi

his_missus wrote: »

eddi - it really is him. He's been sorting through his finances this morning, cancelled a few pointless subscriptions and worked how much he his DDs total, how much he can save and has allowed himself spending money too. It's fab!

By the way, your not my best friend in disguise are you? She's the only person I've ever met who'd admit to once having queued up for hours to buy bros tickets!

lol excellent news on the hubby really being hubby and becoming an MSE convert front! :T

:rotfl: if it absolves me of any Bros ticket-related embarrassment I did also once queue at the NEC for 9 hours one Saturday to get tickets to see U2 (Zoo TV tour, absolutely brilliant - 1992 :eek: :eek: was it really now 20 years ago??). The man at the front had been there since that Thursday! Course that was in the days you had to queue for tickets. Now you just have to try and hang on to an internet connection and hope the website doesn't crash. How old do I feel now?