Pay ALL your debt off by Xmas 2014!

IrishRose12

abba1772 wrote: »

Have you tried selling on your local fb pages gumtree etc I always put stuff on there before using ebay as a last resort xx

I have done that in the past, but these are smaller things that people want for nothing these days. I'll just put them into the donation pile for the Christmas appeal.
I'm out more on Postage and packaging costs aswell as trying to find time to get to the POst Office now, and buyers on Ebay expect their items the day they pay these days:mad:


I've just paid another £53 there now. That's cleared my Catalogue bill no2 and another small bit off my credit card. But now that's it till next payday, which is 3 weeks away!

So I'm now ending the day at
#148 £1320/£3000

Have also re-started the NSD challenge this month so hopefully that helps a bit.

Wanna_Bee_Free

So I have finally had money come to me for August, September and October with the new contract agency taking a month longer than they should have done. The good news is as well as repaying my poorly savings account I have been able to repay £2530.20 off my loan in one go. I guess I've spent less while waiting for the payment so in a funny way they did me a favour. Some of this is from the redundancy money I got. I've never found the new job quickly enough before!
#100 £4411.44/£5411.64 81.5% so I'm making headway at last.

amr547

Great job everyone, you are doing really well! Can you believe - only two more pay days til the end of the year:eek:

Should only be paying off another 350 in that time so whilst it's not the whole amount I have less to pay off next year :j

minicooper272

Oh don't remind me - too few pay days until Christmas now! It will probably be February before I can really hope to sort out my budgets again. It has been a very expensive few months (but with good reason), but of course Christmas is a really hard time to keep on top of things, and January always seems to last too long...

SpagBol

mossy wrote: »

Had some extra invoices paid, i.e the money wasn't already assigned to pay the normal monthly bills.

We fitted a radiator to our bathroom (there wasn't any heating in there) and I had budgeted £100 for the central heating parts etc. It was coming under budget and then we had to lift the toilet slightly to put the new flooring under and discovered that the toilet was leaking in several places. So had to buy a new toilet and DH and a friend fitted that after Church the following day! So we ended up spending over but I did have some money spare as previously mentioned so fortunately it wasn't the end of the world, just a shame. Still I have a brand new toilet, never had that before!!

I've managed to pay back some money borrowed from DH's Tax ISA for the holiday deposit and I kept £6 back to pay off the card.

Every little helps!

£2850.51/£6414.51 44.44%

I love this percentage! How pleasing! :rotfl::rotfl:

recurrent-ostrich wrote: »

I'm not going to declare for this year as we're not done splurging yet. We've paid for our flights, but still have hotels to go, and spends.
2015 plan is that we will pay mins until we go to Australia in August, then we'll get home, get Christmas paid for, then chuck everything at the debt. I'm hoping we'll be done by December 2016! :eek:

(We weren't originally planning this Oz trip until we were debtfree, but family issues meant we needed to bring it forward. And it's going to be amazing, so worth the extra year until our dfd.)

Sounds like an amazing trip! December 2016 is my aim too

amr547

minicooper272 wrote: »

Oh don't remind me - too few pay days until Christmas now! It will probably be February before I can really hope to sort out my budgets again. It has been a very expensive few months (but with good reason), but of course Christmas is a really hard time to keep on top of things, and January always seems to last too long...

January is a horrible month :rotfl:

Need to figure out a strategy for paying off my car.... Not sure how to do it yet and I don't have long.

GunWharf

Good progress to you all this month. :j

I am mostly as Sea at the moment chasing the Fish Stocks.

All the best

The Skipper

amr547

So tired. Anyone else feeling it lately?! I'm definitely looking forward to a break at Christmas.

Longships

amr547 wrote: »

So tired. Anyone else feeling it lately?! I'm definitely looking forward to a break at Christmas.

I think it's the weather - seem to have gone straight from Summer to Winter this year without anything in between. Really dark and miserable today for Remembrance Day but at least I have a daylight bulb.

Karb

Just realised that I didn't check in for October, I normally update each month.


Still no luck on the job front. It's four months now and I'm starting to get a little bit panicky, as my redundancy money won't last forever. I've applied for over 300 jobs in that time with no success.


I paid off two cc debts in October that were coming to the end of their 0% deal, so I'm now down to just one cc, which still has another year to go at 0%.


Overall I paid off £2485.40 in October, making a total of £15217.99 for the year to date for #124