Pay ALL your debt off by Xmas 2014!

amr547

minicooper272 wrote: »

Well I have just booked train tickets for my last ever trip to visit the OH before I move up next month! We'll be going flat hunting and to a wedding. I won't miss shelling out £80 every time I want to go home, or the 5 hour train journey....

excellent news!!! :j are you renting or buying? (i recall there was some discussion about buying ...)

i am trying to eat what i've got in the cupboards/freezer but it is proving difficult! only 18 days until we go on holiday woopie :j

rubywhatashmoo

Minicooper I moan enough about spending £6 and it taking half an hour to get home since I moved for work! (It wasn't practical seen as I do daft shifts - seems worse in the middle of a 74 hour week I promise!!) :rotfl:

Speaking of daft shifts I'm in the middle of a batch this week - quite glad of it to be honest as it makes it more of a challenge to spend money and I have none til payday so at least the temptation isn't there quite so much!

I've been listing things on ebay & Amazon this week to try and get some extra spending money for this month. I paid off a load from the debts but that left me really short for the rest of the month - but if I'd kept it in my bank so pay at the end of the month it would have gotten spent on gubbins! Would like to be able to go out for tea & cake when I'm off next week so not a massive goal or anything but any leftovers would be good to pay off the CC :A

minicooper272

amr547 wrote: »

excellent news!!! :j are you renting or buying? (i recall there was some discussion about buying ...)

i am trying to eat what i've got in the cupboards/freezer but it is proving difficult! only 18 days until we go on holiday woopie :j

Just renting for now. Don't quite have a deposit together yet. But we'll be living together and that should make life a lot cheaper anyway (£80 train fares aside), so I'm sure we can get a deposit together in no time!

minicooper272

rubywhatashmoo wrote: »

Minicooper I moan enough about spending £6 and it taking half an hour to get home since I moved for work! (It wasn't practical seen as I do daft shifts - seems worse in the middle of a 74 hour week I promise!!) :rotfl:
A

Yeah, but you have to do that every day! I just do this around once a month...



Well I also had a bit of a moan about our new housemates not contributing a little while ago. Things came to an head last night, and I'm pretty peeved. Supposedly the reason they didn't pay us anything was because we kept pestering them to (we started pestering after 4 months of non-payment, after I went overdrawn whilst owed £7). We waste money on expensive items (we stock up on good stuff when it's on offer), and we buy things we shouldn't (lightbulbs for living spaces).

I have sympathy that their finances are tight but we ask for £5 a month between 2 working people, while we pay £5 each. I'm generally not happy that i've been owed money for 2 months... End result is we now have to keep our own toilet paper in our rooms, all have separate washing up liquid and hand soap.

minichick31

Another payment from me

098 £1539/£6540 23.5%

Getting there!

BirdSeed

Hi everyone,


Well done to thse who have cleared some or all of their debts - it's a great feeling when a balance reduces to £0.


No update from me this week, just reading through the threads (as you do at 10.30pm on a Friday!).


Minicooper - sorry to hear you're having issues with the house-share folk. Your post reminded me of when i lived at uni, one of my housemates asked if he could use my sugar "until he bought his own", well, two years down the line he still never bought any sugar! He was such a tight wad too, he could go supermarket shopping and fill 6 carrier bags and only spend a tenner!! (I should have watched him more carefully than throwing my money around!) :-)


I have also inadvertedly had a spend free week (kind of) - I used a £20 off a £60 home delivery spend at one of the supermarkets, and got £76 worth of stuff for £44. In this was five frozen dinners and fruit which i took to work for lunch. So much cheaper than my £3 a time salads and £2 fruit etc. Tasty (ish) too :-)


Just applied for my pre-paid mastercard from sky tv and also printing up my phone bills as I'm on the redemption scheme - I've noted everything in my diary so I don't miss it as the window isn't very long to put the claim in.


Happy weekend everyone :-)

minicooper272

Yeah birdseed - we all thought this reminded us a lot of our uni house shares. It's frustrating because we're a professional house share with an age range between 20-40.

I don't want to have a big old moan, but unfortunately we've just found ourselves on different pages with a rift forming for the household. It's not deliberate. I am going to sound like an old fuddy duddy, but I am too old for this sort of thing. I can't come home for an afternoon nap if my housemates keep me up til 3am playing drinking games... But at least I'm leaving soon!

foxy78

£1000 from me , just one card left to fully pay off and i will be done, cant wait

Next big debt will be my mortgage

Siggy updated

parsniphead

Your not far off being done Foxy78. Good luck.

Rachiedabbler70

Hello All


Loads has happened on here since I last posted - I tend to read all the postings on my mobile when I'm travelling and for some reason it won't save any thanks I record until I get on my laptop.


Anyway - well done everyone - it is a hard slog but worth it. I have just reached over £10k paid and still have around £10k to pay :eek:. Won't happen this year, but I'm thinking 2015 may be my year then I'll hit the mortgages although I really want a camper to use on holidays so it will be a very difficult choice - save up for a camper for a year or pay a chunk off the mortgage. My dilemma is that it will take years to pay off the mortgage and I want to live while I'm still fit and well but I also don't want to have a mortgage when I'm nearing retirement age.


Anyway - getting ahead of myself - I wouldn't have enough money until the end of 2016 to buy one anyway - I'll keep dreaming.:) Have a great weekend everyone.


#058: £10,302.51/ £12,600 (81.77%)