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Debt Destruction December!!!

:xmastree:Debt Destruction December 2013!!! :xmastree:
Clear Up, Clean Up and Take Control!!!

"Tis the season to be jolly fa la la la laaaaaa la la la laaaaaaa.."

So 2013 is closing to an end! How has this year been for you? For me December is the time to make plans, to start as I mean to go on and avoid the traditional failings of January's "resolution" hell! The year ahead has to be clear in my head, what I want and how I will go about it ensures I usually get what I want.

I started these Challenges over a year ago and on Monday 2nd December after one last payment I will be debt free. I am not shouting about it just yet (cause there will be a separate thread for that) but it's an inkling of what can be achieved if YOU decide you want things to change in your life!

It's time to clear up those niggling feelings of fear and face your debts, get out those envelopes that have been shoved into drawers, clean up the loose ends and call your CC companies and know where you are at and what you owe. Take control of our life!

It's so important that you do this for yourself and do it now. Christmas is a very expensive time of year and what better time and place to start pulling things together than with us...we are a little group ( and growing) of people who are supporting each other to debt freedom.

There is no theme this month other than this ; You CAN do it!!

These are the rules to follow....
  1. This Challenge will commence on the 1st December at 00:00 and end on the 31st of December at 23:59.
  2. You will aim for 15 SFD's only. Any spend with any item will class as a spend day. Use them wisely.
  3. Food budgets will be set in stone. Christmas promotions are unavoidable but you don't need them all. You won't be feeding an army (hopefully). My budget is £100.
  4. “Spend” Money for anything else needs to be pre-agreed prior to the commencement of DDD. This includes last minute gifts, parties, food that’s to be taken to any party, and alcoholic drinks.
  5. All money needed for the month for food or spends is to be withdrawn and placed in envelopes clearly marked for purpose.
  6. Drop one Christmas outing/party whether with work or people you don't really like. Why waste your money? I am going to no work do's at all.
  7. £5 of your food budget will be spent on the local food bank. If you support other charities that's great but this £5 is for the food-bank only. Please try buying it yourself and take the kids with you otherwise donating on-line is okay! Look on line for what food banks need, don't just buy anything.
  8. Batch cook now, try to avoid massive tins of sweets, fancy biscuits in expensive tins and £7 cakes from M&S.
  9. Get a notebook. In it place 5 things you want to achieve by the end of 2014 - no matter what it is - use this to record all your spending - no matter what it is - it will remind you not to overspend and where our money really should be going - towards our debts!!!
  10. Choose a debt free date. It might change here and there but having a goal is the MOST important thing you could have on this journey.
  11. Spending will be kept to a minimum on things that are unnecessary items.. restaurants, caf!'s's, work canteens, Starbucks, Costa are all out of bounds.
  12. Lunch will be brought from home everyday. No exceptions.
  13. NO ENTRY to any sales in the month of DDD. Unless you have a planned budget and have been saving for a specific item PLEASE do not go to the Boxing Day Sales. Its temptation you can’t handle to buy tat you really don’t need. STAY AT HOME!!!

I can’t say this won’t be hard but the interaction between users has been encouraging and everyone will help you. So please, stop faffing about, take responsibility and give me your name!

“Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".


  • NinjaSavingKat
    NinjaSavingKat Posts: 3,382 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
    edited 2 December 2013 at 7:37PM
    The Contender List.
    1. NSK
    2. PiggyBankShaker
    3. AppleMuncher
    4. Jofish2669
    5. Fmess
    6. Calling14
    7. Clippy_Girl
    8. Stewby
    9. Kangadoo
    10. Sedge123
    11. PurpleJay
    12. TennisFanatic
    13. CEW
    14. ShySpender
    15. TipToesDB
    16. EyesWideOpen
    17. AutumnLeaf
    18. ThriftyLass
    19. NannyGladys
    20. Cottage_Retreatist
    21. Pheonix
    22. Rosiecheeksblossom
    23. Angelicious
    24. MoneyMash
    25. Loveadove (Debt Free)
    26. Kerfuffle
    27. Traveller
    28. Lillyanna
    29. Siouxsie32
    30. Saving4life
    31. Avogirly
    32. MoggyMalone
    33. MrsGSR
    34. BlueDaisy
    35. Apardion
    36. Habibiboo
    37. CrazyCatLady1
    38. Pinklyds
    39. PositiveBalance
    40. LuckyStarr
    41. Fyggy
    42. Saving4life
    43. Jazzyjustlaw
    44. Maise M
    45. Superdopsa
    46. Vjacx
    47. *Jelly*
    48. NannyGladys
    49. Doodles1971
    50. Kittyboo
    51. Bex296
    52. MrsBrownBear
    53. Abundant1972
    54. LittleSkintDragon
    55. DeterminedDiva
    56. Mrs02b
    57. NowisNow
    58. CowboyMum
    59. MountainGirl
    60. Hummingbird
    61. Lillian1977
    62. KarmaChiLoveThing
    63. PlymouthScubaGirl
    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
  • PiggyBankShaker
    Count me in please Kat!
    • Mortgage over-payments to date: = £16,746
    • Original redemption date: August 2043
    • Current redemption date: July 2041
    • Debt: £15,930
    • Savings: £12,430
  • apple_muncher
    apple_muncher Posts: 14,806 Forumite
    First Anniversary Mortgage-free Glee! First Post Name Dropper
    Me! Me! Me! Please!:j:j:j

    And now I'll go back and actually read it....!

    And having read it, I LOVE IT. :j

    Thank you Kat for another fresh challenge!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • jofish2669
    I'm up for it,please : )
    Janus Illusion# 43 : NSD 2/20, Food 101/220 , Petrol 26/100 , Misc /70 , Foodbank /£3 , Packed Lunch 2/16
    Sealed Pot Challenge #2150
    Super Saver challenge 0/£3000
  • Fmess
    Fmess Posts: 2,920 Forumite
    Photogenic First Post First Anniversary Combo Breaker
    Me too please! (Will now read what I've signed up to! ;) )
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    First Anniversary Combo Breaker First Post Debt-free and Proud!
    me too please :)
  • kangadoo
    And me! :j
    February: 5/15 NSD
  • Sedge123
    Yes please. Have been following the November thread and definitely up for the challenge!
    Determined to save and not squander!
    On a mission to save money whilst renovating our new forever home
  • PurpleJay
    Me too please :) We can do this :)

    Just spent some of my Maximiles points on a lovely new notebook - just the job!
    'Life isn't about waiting for the storm to pass, it's about learning to dance in the rain'
  • tennisfanatic
    Count me in too Kat! Congratulations on your incredible MSE year and infecting lots of others with your enthusiasm and positivity for keeping track of the pennies.

    Will have a think about my budgets and post on Sunday
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