My new pay a debt off before June 16th challange

beckseven

It's my last night tonight-thank goodness for that-I felt very down today but think it was just tiredness. I think I felt a bit depressed because I put my Coast dress on Ebay and it is the last of my nice dresses that i've got-I've ebayed everything else and it means i have very few clothes! Oh well-I don't go out to many places where you wear a dress anymore anyway! I was given some money for my bday in January and instead of putting it on my debt i have naughtily put it in a saving account so that I have a little bit of money for clothes if I every feel really down (like now.. no i'm going to save it for some new spring fashion me thinks!) I was getting really angry thinking why me-why do I have to slog all hours and work nights when other people do s*d all and get to live in luxury! I feel sometimes that my husband looks at me and thinks that I am dowdy and frumpy-he always asks me why I have to wear Primark clothes and can't I make a bit more effort but he doesn't seem to understand that I am desparate to get rid of my debt. Oh enough of my whinging anyway-I'm sure I will feel a lot better when this last night is done. I am actually going to have my hair done tomorrow (have budgeted for this) so will have lovely hair for our Valentines meal tomorrow. I did spend 40p on a chocolate bar tonight-I have been really good on a carb free, sugar free diet but had a desparate craving tonight! I put my dress on ebay with a minimum bid of £40 as it cost me £160 before christmas but some cheeky so and so contacted me to say could they buy it now for £30-I replied 'No, if I can't get the minimum £40 then I will carry on wearing myself-perhaps I could wear it to work or something as that seems to be my social life at the moment! I'm off work until Sunday afternoon now (extra shift) so will be nice to have a bit of a breather with my family. Good news today-I got a free Jennifer Ellison West end workout dvd through the post today that I sent off for through the news of the World so will do that tomorrow. Love a freebie!

nealallen

waltermelonl wrote: »

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Spam...reported

StressedSteph

Can I join you to BeckSeven,

I have a credit card of £4000 :eek: . The debt calculator says that it will be December 2008 before I pay it off, if I carry on with my usualy Payments :mad:

So, I have just gotten three jobs that I can fit around the kids (evenings & outwork) these should bring in about £450 per month. I also plan to Ebay & Amazon off anything that sits still too long. All this extra money will be put to paying off the card and I plan to do this all by the end of June :T

Thanks for the inspiration :T

beckseven

Hello! I'm glad i'm inspiring someone Steph so I will be delighted to have someone else joining me in my debt quest! I haven't posted for a while as I've not been at work and find it hard to get on my laptop with my DS around as he is two and likes hitting the buttons at crucial moments ! I've not had a bad few days-sold a dress on ebay for £50 so just waiting to see tomorrow how much I can pay off my debt at the end of this pay cycle-hoping for about £200 this month and hopefully more next month. have just paid off £40 off my halifax card today-shouldn't be as much but stupid Tesco pet insurance still haven't paid me my pet insurance claim of about £600 so the money is sitting on my credit card. V annoying-rang them today and the girl on the other end got stressy at me-the cheek of me chasing money I'm owed. I'm sure if it was the other way round they'd be on the phone all the time!

gelbean

hi all, i havent posted for a while either actually not since my first post!!! i have paid off another 100 this month which brings my debt to £1306 which is progress. i have worked out that i need to be paying off double this per month tho in order to hit target so am going to have to up my efforts - glad i have you lot to motivate me! am desperately tryin to swap the debt to a 0% card but having problems with egg and finalising the details!

ok i jsut did a quick sum in my head and actually think i need to be paying of £300 a month - if anyone needs me i'll be clicking or bingoin somewhere!

beckseven - tesco took ages paying my vet insurance claim when my dog died before xmas but i called everyday from about mid january and eventually they put me on priority and dealt with the claim in the next 48hrs and the cheque was with me in about 3 days so keep it up!

beckseven

Good luck gelbean with £300 a month-have you tried mystery shopping? You are doing well though-it's definitely coming down so all good. Good to hear that Tescos do finally pay up-I'm going to hassle them every day now until I get the cheque. I paid £170 off my debt today which I was really chuffed with which brought it down from £1353 to £1183-I should have some shift money coming my way this month so am going to try and save as much as possible again this month and post every day to keep myself motivated. It's my son's birthday on Saturday so obviously I'm going to be having a little party for him so a bit more expenditure than normal but have got my ebay money coming too so hopefully that will cover it.

beckseven

I've been in a bit of a panic the past couple of days because it is my son's 2nd birthday tomorrow (can't imagine life without him now-seems like we've had him forever) and I had a bit of extra expenditure-nothing silly but we're having a little party for him and a few of his little pals and family so I had to do a bit of an extra shop for balloons, party food etc. It was really panicking me so today I sat down and worked it out and I'm going to be fine-possibly not much going from the debt this month but definitly going in the right direction. Might do a bit of ebaying to see if I can get a bit more cash to chuck at the debt. i'm working this evening so earning some lovely shift allowance too. Still no Tesco cheque though-will chase them up. Got a tesco voucher though today and am going to use it for a day out to Exmoor Zoo when we go on our sun deal holiday at the end of march. Worked out a day out will only cost us £7.50 so bargain. New aim is going to be to collect as many clubcard points as I can so I can use them for family day's out.

savingforarainyday

When our two were younger we had some great sun holidays. The day out vouchers are a great idea, also when you get wherever you are going go into tourist information and look for their leaflets that offer money off or two for one entrance and a lot of great museums are free.

bathgatebuyer

This is a great challenge! I have a Halifax card with a balance of £800 (the lowest balance of my last 3 cards - the other two being £1900 and £2200) and I want rid of the Halifax one. I'm sure if I really set my mind to it, I could get rid of it in a few months with some hard work and Ebaying! The balance of that card was £12K at one point, so finally getting rid of that particular debt means quite a bit to me.

So, put me down for:

Lose one Halifax debt by June!

beckseven

I love the Sun holidays-they are such a brilliant deal and before I woke up and really got into moneysaving I would have not dreamt about saving up my vouchers etc. However, i went on one to Ruda in Croyde in October and was so so impressed so we're going again in March. I had to laugh the other day-I was saying to my friend and her partner about it and my friend's partner was finding it quite amusing for some reason (he's a nice guy but they appear to be quite wealthy so dont' really understand not being able to afford somethings) and he said to me 'Well you don't really save much do you because I bet you end up spending about £400 or £500 in that time. I was like-we're going for four nights! and he said 'Yes but you'll be having meals out won't you?' I had to chuckle because when we went before the most 'meal out' thing we did was get some chips from the camp chip shop one night-the other three I cooked and we had a lovely relaxing time and probably ate better than you would going for a meal out. Also when you have a two year old having a meal out is more of an ordeal than a pleasure! It was my little boy's birthday party yesterday and we had such a lovely day and so did he. He played all day and it was lovely having people round. He went to bed exhausted and slept in until 8.45 this morning-what a luxury-I couldn't believe it when I saw the time! We took him to a children's farm today and my husband was mortified because it said under twos were free so I just said two adults-well it's only a day out isn't it! He was like 'I can't believe you did that-the woman was staring at Ben because she knew he was older! Ooh I feel all dishonest and naughty now...Anyway, we brought our own lunch as well so that we didn't pay £4.95 for a jacket spud as we have done before pre-lbm! I'm at work now earning some more moolah but will be off all week with my little boy so looking forward to that. Hopefully my tesco cheque will come this week. Bathgatebuyer I'm really impressed with your success with the debts you've got rid of-you will definitly get rid of that pesky debt by June. I'm very jealous of your £4k holiday win as well-absolutely amazing stuff