Pay off £20,000 (ish) by Xmas 2008

happy_chick_3

hi everyone - the new totals are looking fantastic! well done to all and welcome to our new members. I've been paid and updated my totals - £1,115 paid off! can hardly believe it:j :j :j

been having a difficult few days as my grandad is sick and only has a few days left so I haven't done any daily clicks or listed anything for a while. still i've spent lots of time with him and the rest of the family so that makes me feel a bit better.

keep up the good work and looking forward to a debt free 2008!

andan

Happy chick, really sorry to hear about your grandad. It's nice that your making the most of your time together though so that you will always have those treasured memories. Take care

taxi73

WOW..you are all doing well....Hypno great under £60k....thats fantastic..happy chick sorry to hear about your grandad..heres a hug xx..everyone is doing great.

lauradora

aaarrrrgggghhh didn't go to car boot this morning was too scared of the cold!!!!:mad:

andan

Never mind Lauradora, see the positive from it, you didn't have to stand out in the cold and if its that cold there probably wouldn't have been many people to buy stuff. Plus it gives you another week to find more stuff to take!

Wish i could be this positive about my own things, my car's mot is due soon and keep worrying they'll be some big expenses to pay, must try and look on the positive side!

poorandindenial

Have updated my amounts now, I have decided that I would like to be sub £30k by the 5th March (to allow for all my payments going through). In order to do this I will have to chuck more than my routinely budgeted for £1300 a month at my debt. By my estimate my interest will cost me about £180 so I will need to try to pay about £1590 at the end of Feb (praise be that it is a short month) to get the overall debt down by enough to go sub £30k.

I plan on doing this by flogging stuff on ebay, frugalising like I have never frugalised before and shipping half of the contents of my buffer account onto my credit card.

I don't think it will be too hard (because of the buffer account) but I want to try to do it without touching the money that I have put aside for holidays and stuff. Then if I can do it this month there can be no reason to not do it again, can there??

happy_chick_3

thanks for the hugs andan and taxi.

lauradora i'm sure you'll go next week or you could ebay some stuff and stay warm!

NatashaP

I think I wanna have a stab at the bingo's (the freebies of course!) Does anyone know what the links to said threads are, or can anyone point me in the right direction as to which websites to look at?

Btw - paid another tenner off my loan last week! Dont laugh! Its all I had lol! ;-)

taxi73

Frugalising...love that word!!!...keep it up guys

candyblue

HI guys everyone seems to be doing really well!

I seem to be going backwards I couldnt meet my CCCS payment this month (dont really know what happened) all I have that is good is about £150 in my paypal account from selling on eBay. I think I will leave it there for the moment as still selling things and then when it gets to a nice amount I will speak to my creditors on the small balances I have and see if I can offer a reduced amount as a full settlement.