Financially Free by 31.12.2013

horseshoe_crab

Hi Shelbi i am trying to do the same thing as you, I want to pay off everything by the end of 2013. You are doing really well! My total debt right now is similar in size to your original debt. The worst thing about my debts is that they are all at really high interest rates so even though the total is not as high as other people on this forum, the interest charges each month are about £200!

Anyway, keep going and you are doing a great job

Shelbi

:wave::wave: Hi Horseshoecrab,

Nice to meet you, thank you for your message, I'm trying getting there slowly but surely...I'm really glad your on this quest too, we'll get debt free together :beer:we can do this!!all for one & that! Silly question but please humour me have you applied to transfer the balances to a zero percent card Hun? I did mine to barclaycard wasn't sure if I'd get it but as the legend delboy says he who dares wins...failling that you might wanna check out something called stoozing, I'm not exactly sure what it is but I've seen it a lot on people's posts something to do with looking at all the rates & working out the best payback plan I think, maybe something to look into:):think: may help with the interest payments, I admit I'm still finding my way too but am here for motivation and moral support...Pom poms at the ready,:j ..a diary is really useful, they're great for keeping on task, to offload when needed & for motivation, I'll subscribe and cheer you on...or feel free to write on here because id love to know how you get on...here's to a new year debt free...don't be a stranger

horseshoe_crab

Hello! I did try to get a 0% card and got refused for it, unfortunately I have payday loans on my credit file (all of them paid off in full and on time, but apparently they are a deterrant for normal lenders). At the time I didn't realise they were so poisonous, I thought it would be okay as long as I paid them all in full..... :mad::mad::mad::mad: but I will be getting rid of them for good by August 31st! Then I have a solid £7500 to clear before Christmas. :eek::eek::eek::eek:

We will make it :beer:

Shelbi

Quick update of today's progress, managed another SFD...so this takes me to 5days. Didn't make it to the bank so guess its now Mondays task, did manage to upload 28items to eBay...hope I get some sales *fingers crossed*...

Shelbi

Hey, Ouch I didn't know they were that deadly either...good on you for getting rid roll on 31st of August...£7500 by Christmas, be a piece of cake, you can do this, this site has fab ideas for savings/earnings etc..I find 1% grid handy thread...has some fab ideas....these debts won't know what's hit 'em:T:T:T

lilian1977

Morning Shelbi. Jus popping by to return the support from my thread!

Ouch - that was an expensive cinema trip for an Orange Wednesday! Are you in London? In Manchester we have a card that gives you the same discount as for students so with OW its only £4 for two people! We take snacks and drinks from the supermarket next door.

Ok, best get up now - can hear DS stirring. Good luck with your Ebay sales x

horseshoe_crab

Orange wednesdays for me is about £14 for me too, and I am in central London. Its expensive! I now have a netflix subscription instead for £5 a month, but its not the same as the real cinema

Shelbi

Hi Lillian & horseshoe :wave:

Thank you hun my fingers & toes crossed for some sales, yeah I'm in London too it's pretty much the price these parts...though can be done cheaper if we didn't buy snacks & drinks in the theatre & just went halves on the ticket...atm we do one pays for tickets other gets treats...But yeah its expensive...£4 for two, wowza I'd practically live there that's great value!! Love a bit of Netflix I go to my friends to take advantage, it is good...thinking I may need to cut down on the cinema & take advantage of downloads....either that or cinema date only time it's free but that's just wrong:rotfl:

Sorted through my DVDs uploaded some to eBay I'm ashamed to admit I actually have some that still have the wrapper on...figure I could probably do with watching those till they all sell... Hope you guys have a fab Sunday x

horseshoe_crab

Living in London is expensive when it comes to entertainment! I find food shopping is not too bad, I usually go to one of the big Asdas or Iceland and get loads of stuff in bulk. But a single evening meal out or cinema trip can cost the same as a week's food shopping!

Today was also on ebay and I have listed a pair of headphones and a broken 3year old camera on Ebay. I have also bought some cereal bars for lunch, and some basic veg +fruit for £10 and I am going to survive on that plus my cupboard contents until next weekend - the bank cards are officially in lock down until next Sunday!

Everyone on this forum has such good focus it is motivating me!

Shelbi

Hi Horseshoe :wave:

Thats so true, I never used to think of it in terms of what else I could buy with that money, easily a weeks shopping eeek! Love a bit of Asda, Tesco when they have the petrol deal on plus saving those club points for xmas, not getting as far as I hoped. My new fave is Sunday Market for fruit and veg & meat..bargains!! Love the idea of living off cupboard contents, you must let me know how you get on!! These are my favorite challenges...you can so do it!!!:T

Good luck on your ebay sales, im sure everything will sell, even broken things, people love to buy things for the spare parts & have a tinker. I sold some of my ebay bits made a profit of £56.69 with I threw straight to my card...happy happy!! I nee to sort more things out, If I havent worn it or used it this year its going to be sold, if it doesnt sell ill keep rocking it up until December, I have alot of toot, but hey one girls rubbish is anothers treasure (im hoping).

Aiming for another NSD today, lunch made & eaten, bicycle used...Also managed to make it to the bank & pay in some coin jar contents £9 (paid to credit card) & sort out a switch account with Halifax for £100 & £5 each month.:j..almost didnt as they said I have to shut down my current account, I was gripped with fear as id had the account for over 15years & said id think about it, got to the end of the road then thought what the blinkers am I thinking.. its £100 with upto £60 a year, came to my senses and scooted back, interesting was my reaction to closing an account that pays me nothing...I didnt mind switching but didnt like the idea of it closed , go figure...clearly im not as comfortable with change as I thought..I need to get rid of that... im about to get real uncomfy thats for sure. Am letting no opportunities pass me by... Im truely determined to change & get rid of this deadwood debt :dance::dance::dance:x