Clear 3 Debts By Christmas Challenge!!

iwanttobreakfree

sweepster wrote: »

crapital one l

lmao! I like that I might have to use it!

shelby161

Back from car boot-made £83 so well pleased! Will see how much the school wants out of that lol and the rest can go to Next.Also got some stuff for ebay this week so hoping to keep getting those bills down.Deaperately trying to budget hard as Crimbo is coming and need an extra £400 or so to pay for kids prezzies and decorations,food etc.

lilmoi1985lm

just paid 60 off capital one - or crapital one as we all are calling it now. had a lowsey weekend out friday seem to have picked up a stomach bug cant stop being sick and feel so dixxy and yucky! oh attempting to look after me making cups of tea bless him. hope im okay for work tomorrow cant deal with being off and losing cash!!!! good look everyone xx

shell_girl

Well it's payday for me today and I've paid a big chunk off British Gas. I've listed the debt as one but it's actually a combination of gas and electric... or at least it was until this morning :j
For the first time in about five years I owe British Gas NOTHING for my electric. Ok ok I still owe them over £680 for Gas but I'm allowed a little celebration aren't I?!

Also got another £40 paid off Focus woo hoo!

This is a great challenge. It's really keeping me motivated. I'm going to have a tight month because I paid so much off the BG bill but at least I know that from the beginning and can budget for it.

Daisydoll

Woohoo today I have manged to clear 2 out of the 3 debts! Next account has been cleared and Lloyds tsb(although I have left £1.79 on there as T&C are that there is a balance on there to keep it open) not sure whether to clear it and cancel or not as it has been my emergencies credit card with it being 11.8%? Anyway I did put my barclaycard credit card as my third debt to clear but as it is still on 0% I am going to aim to pay off the same amount off of my MBNA cc which is at 3.9%. So £600 to go!

I have had a head start really though as I have closed down my online business so a lot of the money has come from that. But then a lot of the debt was from it as I was using cards ect to buy stock:o I have sold £400 worth of my own stuff on ebay the last 2 months. It's amazing what you can find lol!

Keep up the good work everybody!:D

Little_Miss_Frugal

Well, I did a boot sale on Sunday and made £45, which wasn't bad for 4 hours work. I've had a good clear out and found some bits to put on ebay, so hopefully I should be able to clear the Next card (145.00) pretty quickly. This probably sounds a bit sad, but I found it very liberating, freeing myself of the junk (half of which probably caused me to be in debt in the first place). I can't imagine how liberated I will feel when I no longer have debts hanging round my neck. :T I've been in debt for about 10 years and feel as though I've wasted so much of my life. :mad:

LMF

mrsspendalot

I've cleared my first challenge debt ..... crapital one is no more!!!! Paid off £326.50 this morning. That was also our last credit card to clear in our quest to be debt free!!!! Double celebration today!!!

shell_girl

Well I finally realised that I'm not going to get back to Uni until I'm out of debt and in a better financial position... so last night I put all of my textbooks on Amazon

I feel very sad because I genuinely loved the subject I was doing and loved the lovely books...and while they were still hanging about I could always tell myself 'I'll use them again soon'.

HOWEVER- <Deep breath>

By selling the books I will hopefully make quite a dent in one of my debts. By making a dent in one I can make a bigger dent in another... and so on.

When I get debt free I can start saving money, and one day have enough to buy back all the lovely books (second hand this time naturally!) AND pay course fees.

So it's a positive step- and it's about admitting what I want. There's no point having £200-£300 worth of books sat in boxes if I'm struggling to pay my gas bill is there?

So- on a happier note- if anyone knows anybody lucky enough to be studying religious studies at uni please tell them to pop across to amazon

millionaire_in_training

wow everyone is doing really well. I havent paid off any more this month but going to pay £20 tomorrow off my M&S . In fact I am going to pay just enough to bring it under £100. Need to buy some food this week and give my DS a tenner for going away with his friend at the weekend. Jeez what a surprise...........skint again lol. Started my Thomson directory deliveries tonight. Going to take longer than I thought but I cant sneeze at the £100 I will get. Keep going everyone less than 100 days to Christmas :eek: .

jpwhittle

how do you get on with thompson deliveries? would be a great job for me.