Pay off £20,000 (ish) by Xmas 2008

happy_chick_3

paid off £300 of debts so good start to the challenge. I'm off to sell some stuff on ebay now!

how's everyone else doing?

poorandindenial

Hello all

Hope you are well on track on the challenge.

Bit of a mixed end to 2007 for me, I managed to use a bulk payment to reduce my debt by over a grand - and i spent next to nothing over christmas (two train tickets (£3.75 each way) and an unfortunate £10 on coffee and magazines when I had to wait half an hour so I could get a cheaper train (false economy!!)

Then I got money from relatives for Xmas although I blew it on a boozy day out with my friend yesterday (booze and shops - not very helpful combination) but i figure since I spent NOTHING on going out on xmas eve and boxing day and NOTHING today (too hungover to move) and I have no social plans until NYE which is party at OH's house (he won't let me pay for any of it) so surely I have broken even in the long run.

One thing is clear - if I am to succeed at this challenge I am really going to have to step up the effort - time to take myself in hand, I feel a budget coming on.

hypno06

:j paid off another £320 today :j

Pollydaydream

Hi everyone.

Hope you all had a good Xmas. I thought I'd come back after a few days of 'normal life' (i.e without a computer) raring to go, but actually I think I must have wound down a bit too much, because I just seem to be mooching around, not really doing very much.

Have given myself a strict talking to and will get back to it tomorrow (cheap listing day on ebay here I come).

It's great to see everyone doing so well, and those totals are really going up.

Polly

Buffythedebtslayer

ooo I am going to try and do some listing for e bay tomorrow too..............Good knows what I am going to sell! I have so much to choose from and haven't worked out the postage for some of it!

xx

andan

Hey guys! Well my total has yet to go up but i have been very good and avoided the sales even though i'm dieing to go. My problem with sales is i love a good bargain and just end up buying stuff i don't need. However i went up to our big Sainsbury's and picked up a load of half price gifts so have got most of next Christmas and birthday presents sorted now!

I have some cheques to stick in the bank and the money from the ipod, so my total will be going up soon. I'm also selling a load of vouchers i got from doing surveys so that will be a little more to add to my total. Like others, i will be digging out a few things to ebay tomorrow.

Have also been busy with the daily clicks and entering competitions, not good when i should be studying my O.U course!

Nice to see everyone back and raring to go. Hope everyone gets plenty listed on ebay.

FrugalJo

Good Morning.
Everyone sounds like they are raring to go. I love Christmas, not too bothered about NYE, and like getting back to normal.
Actually got something to report. Paid £200 off my £9587 target, this is just over minimum payment, it does count doesn't it ?

Made a few decisions about 2008, one of which is to going to start making jewellery again, used to find it very therapeutic (sp?). But aside from that it's a great little earner if I get more organised and disciplined. ie no faffing.

Hope you are all having a great faff free weekend.

alimac23

Hi everyone,

Still to make my big payment to my Egg loan this month- it comes out at start of Jan but in the meantime I've started to move the pennies balance of my current account everytime I check it over to make small overpayments to my credit card. E.g if balance is £xxx.87, shift the 87p to my credit card. So far this week I've paid an extra £8 this way - every little helps !!

Also sold some stuff on Amazon but I'll wait til the money is in my account before I update the sig.

Keep up the good work everyone!!

andan

Hi alimac23, just wanted to say, thats a great idea about transfering small amounts from your bank account to the credit card. I'd not thought about that, but it's a good idea, as you never really notice those small amounts. May just pinch that idea.

Well today i am beginning by inflicting some of slicethepie on myself, whilst doing daily clicks and attempting to list items on turbo booster to put on ebay later this evening.

Have a good day everyone.

candyblue

I have paid another £330 off my debt, I really want to get back into this challenge but have been ill all week and am still yucky now, so am trying to get the energy up to list on ebay