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Are you dreading this months CC bill or did you budget for xmas?
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I'm proud of myself,first time in about 5 years that I haven't gone overdrawn or used a credit card.
All paid for cash I have saved through the year.
And I still had money in the bank on pay day.Mfit member no 13 original balance £44000 :mad:
current Mortgage balance 13537:T0 -
Paid mostly in cash already saved this year, with a little bit on the 0% CC. Start saving fo next year again on Friday (payday
) 'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
Didn't use credit card at all, bought pressies through out the year and ended up spending £410 on Christmas all in - gifts, food & booze. Very pleased with self.
Genia X0 -
Bugeted for xmas, just not for every electrical item I own dying in December!0
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Hi,
didn't use CC - yippee. Will use in Jan for a v. expensive trip to a v. expensive restaurant, but will pay off easily with extra income at end of Jan.
I hear what you are saying Bluerover - my OH say that nowadays I make Scrooge look like a philanthropist (in the nicest possible way of course)!
:beer: :beer::A :A :A :A
DFW Nerd No.: 789 Ligthbulb moment: 23/09/07
Challenge: No bank loans and CC gets cleared every month.
Need to think about restarting the Grocery Challenges
Sealed Pot Challenge: Put change in and give to charity when full.0 -
No extra debt this year but maxed the card out earlier in the year.Barclaycard 3800
Nothing to do but hibernate till spring
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I would have used the cc`s this year(well I`m not called take it to the limit for nothing!)but as I`ve been only get half pay from work,have spent nothing much so January for once holds no fear."Life is short even in its longest days".0
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I'm one of those rare breed that doesn't have a credit card, so January holds no fears for me.Winnings
01/12/07 Baileys Cocktail Shaker
My other signature is in English.0 -
No extra debt this year, and best of all I had £50 left over from my Christmas/New Year budget which I am going to pay £25 off my credit card debt and put the other half into my "nice things" budget for the year.
Feeling kinda smug....sorry!
Happy new year all x* Rainbow baby boy born 9th August 2016 *
* Slimming World follower (I breastfeed so get 6 hex's!) *
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I had my first MS Christmas this year - saved between £30 and £50 a month from about April, stocked up on freebies, samples and comp prizes, then took a couple of days of work in Nov for relaxed Christmas shopping.
Did lots of overtime at my second job and feel sooo much better having almost all my Dec wages to myself (i.e. to pay bills) and no nasty surprises in Jan.DEBT FREE! Sep '08/£9,800 in Oct '06 :beer:0
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