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  • FIRST POST
    sallyx
    The 12 week Debt-Life *Achieve something* Plan - WEEK 7
    • #1
    • 14th Sep 09, 10:57 AM
    The 12 week Debt-Life *Achieve something* Plan - WEEK 7 14th Sep 09 at 10:57 AM
    Ok then

    We have 12 weeks (starting today) to try and achieve all those things that are getting you down, hanging over you or need doing in your life. Whether thats pay off a credit card, apply for 10 new jobs or exercise everyday. I know there are a number of us who feel we are drifting along in life and not getting done or achieving things that we have planned.

    So what is it you want to have achieved in the next 12 weeks, post it here and we will all try and keep each other on track


    roll up roll up!

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    Last edited by sallyx; 02-11-2009 at 11:05 AM.
    I'll make a wish, take a chance, make a change And breakaway. I'll take a risk, take a chance, make a change and breakaway ....
    Finally Debt Free...
Page 1
  • The shuffs
    • #2
    • 14th Sep 09, 11:02 AM
    • #2
    • 14th Sep 09, 11:02 AM
    Hi sallyx I am going to stick to my budget but i always seem to get side tracked so this time I WILL DO IT that is the most important thing at the mo what about you? Rachael
    Hi still have debts to clear working towards a DFL my family have grown over the last 2 years I very proud to say I now have 3 beautiful Grandchildren My DF fight continues
  • sammy115
    • #3
    • 14th Sep 09, 11:03 AM
    • #3
    • 14th Sep 09, 11:03 AM
    Okay Sally well as you know my goals in twelve weeks are......drum roll.....

    1. To study consistently for 12 weeks for my exams early December
    2. To run consistently for 12 weeks with a view to doing a half marathon
    3. To lose 12lbs in weight........

    So thats me then.....come on you lot.......
    Quality is doing something right when no one is looking - Henry Ford
  • sammy115
    • #4
    • 14th Sep 09, 11:03 AM
    • #4
    • 14th Sep 09, 11:03 AM
    Sally - was wondering....could you amend the title and maybe put week one in and then change it as the weeks go on...so i know where I am up to....
    Quality is doing something right when no one is looking - Henry Ford
    • Toto
    • By Toto 14th Sep 09, 11:11 AM
    • 6,446 Posts
    • 10,902 Thanks
    Toto
    • #5
    • 14th Sep 09, 11:11 AM
    • #5
    • 14th Sep 09, 11:11 AM
    This is perfect timing for me. In 3 months and 1 day I will be 40

    So, before I am 40 I will.

    Lose weight... yes I know this has been the goal which never seems to get done no matter how many challenges I join. But I have a special reason to do it this time. I want to look fabulous at 40 for a photo shoot.

    So, I will lose 2 stones in the next 12 weeks by following weight watchers, cutting out the daily glass or two of wine. Walking to uni when I start in 2 weeks rather than take the car.

    Financially I will clear 3k of credit cards I have. I will do this by cutting back on nonsense spending and Ebaying stuff I don't need.

    That'll do for a start


    "Everyone is a genius. But if you judge a fish on its ability to climb a tree, it will live its whole life believing that it is stupid" - Albert Einstein
  • redsquirrel80
    • #6
    • 14th Sep 09, 11:13 AM
    • #6
    • 14th Sep 09, 11:13 AM
    OK.. deep breath.. mine are:

    1. Pay 500 off debt - (416 off cards etc and the rest towards overdraft)
    2. Save 500 for holidays/ Christmas/ course I want to do etc
    3. Go to gym class every week
    4. Run at least 3 times a week, aim to get up to 10 miles for my weekly long run
    5. Do something constructive (apart from work!) every day

    I have been spending a bit too much lately so the money ones are gonna be hard!
    Last edited by redsquirrel80; 15-09-2009 at 4:04 PM.
    Debt@16.12.09 10,362.38, now debt free as of 29.02.2012.
    "I cannot make my days longer so I strive to make them better."
    • ZarZar1990
    • By ZarZar1990 14th Sep 09, 11:29 AM
    • 290 Posts
    • 478 Thanks
    ZarZar1990
    • #7
    • 14th Sep 09, 11:29 AM
    • #7
    • 14th Sep 09, 11:29 AM
    I'd like to have paid off my A&L debt, and my Next debt
    Personal Loan: Start: 22020 Now: 18800

    Credit Card: 600

    Overdraft: 500
    • ZarZar1990
    • By ZarZar1990 14th Sep 09, 11:30 AM
    • 290 Posts
    • 478 Thanks
    ZarZar1990
    • #8
    • 14th Sep 09, 11:30 AM
    • #8
    • 14th Sep 09, 11:30 AM
    Ooh and my college course, and saved a bit of money too!
    Personal Loan: Start: 22020 Now: 18800

    Credit Card: 600

    Overdraft: 500
    • Sun Addict
    • By Sun Addict 14th Sep 09, 11:46 AM
    • 6,333 Posts
    • 43,818 Thanks
    Sun Addict
    • #9
    • 14th Sep 09, 11:46 AM
    • #9
    • 14th Sep 09, 11:46 AM
    Hi sallyx

    Brilliant idea!! My 12 week plan is to:

    1. Pay 1200 off debt (which will get me down to the last 400!)
    2. Pay for next March's holiday (including spending money)
    3. Buy all Christmas presents
    4. Lose that pesky stone I have been trying to lose for ages

    I think that's enough to be going on with!
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
  • Snaggles
    Please can I join in?

    I want to:

    Lose 12lbs

    Pay off my credit card (approx 400 I think)

    Increase longest run distance to 10 miles

    And I am also going to stay single - no active man-hunting whatsoever (although if Ewan McGregor turns up on the doorstep with a bottle of wine, I reserve the right to bin this last one ).
    Last edited by Snaggles; 14-09-2009 at 12:27 PM.
    • Ames
    • By Ames 14th Sep 09, 12:23 PM
    • 17,698 Posts
    • 31,280 Thanks
    Ames
    Ooh I like this!

    My goals (I'll probably think of more or better ones later so it's subject to change):

    1. Lose weight - I'll aim for 12lbs.
    2. Keep up with my health courses/support workers etc.
    3. Start writing again - I want the first draft of my book finished by the end of the 12 weeks.
    4. Stick to my budget.
    Unless I say otherwise 'you' means the general you not you specifically.
    • Katy83
    • By Katy83 14th Sep 09, 12:26 PM
    • 528 Posts
    • 1,827 Thanks
    Katy83
    Can I join too please?

    In the next 12 weeks I want to:

    ...Stick to my budget and pay off £700/month on my debts
    ...Do some sort of exercise everyday
    ...Cook as many meals as possible therefore reducing my grocery spends
    ...Go for a monthly horse riding lesson as a treat only if I save the money elsewhere to do it
    ...Try and find some voluntary work to get involved in my local area

    [EDIT]

    ...spend less time on the internet and more time being constructive


    Think that is enough to be going on with!

    Good luck everbody
    Last edited by Katy83; 15-09-2009 at 8:34 AM. Reason: I thought of another one!
    LBM 17th August 2009 Debt at LBM 18,612 Proud to be dealing with my debts.
    • Katy83
    • By Katy83 14th Sep 09, 12:27 PM
    • 528 Posts
    • 1,827 Thanks
    Katy83
    Please can I join in?


    And I am also going to stay single - no active man-hunting whatsoever (although if Ewan McGregor turns up on the doorstep with a bottle of wine, I reserve the right to bin this last one ).
    Originally posted by Snaggles
    You may have a fight on your hands with this one
    LBM 17th August 2009 Debt at LBM 18,612 Proud to be dealing with my debts.
  • mumofseven
    What fun, my first challenge!

    In 12 weeks I would like to:

    1. Lose half stone

    2. NOT run out of money a week before payday (I have 1.93 to last me until Friday!

    3. Take the kids swimming once a week



    I can think of loads more but think I need to be realistic - good luck folks.
  • Miss-Moneypenny
    I would like to:

    1 - pay 1500 off my debts
    2- lose 12lbs
    3 - stick to my budget!
    4- have at least 24 NSD (2 per wk)
    5- use my wii active trainer DAILY!

    wish me luck...lol
    • starnac
    • By starnac 14th Sep 09, 1:21 PM
    • 5,344 Posts
    • 25,218 Thanks
    starnac
    i would like to

    pay off my overdraft
    lose 2 lbs which stay off (sound easy doesn't it)
    get a new job

    i may add to this as i can't think of anything else i could achieve in 12weeks
    Savings 2235.59
    Overpayments #182 made 467.13/1208.15
    Make 2018 in 2018 #70 688.42/2018
  • sammy115
    Well a great start! for my running I bought running for fitness and for the diet I bought slimming world.....not sure where the five mars bars fit in but oh well....

    Gonna take a 30 min walk tomorrow to wake my fitness levels up a little bit...
    Quality is doing something right when no one is looking - Henry Ford
    • Lucifa73
    • By Lucifa73 14th Sep 09, 4:07 PM
    • 7,468 Posts
    • 9,705 Thanks
    Lucifa73
    Have had a good think and come up with:

    1/. Get running up to a comfortable 10k once a week
    2/. Menu plan AND STICK TO IT every week
    3/. Get below 10 stone
    4/. Get a job
    5/. Do something constructive every day (even if this means cutting down on internet usage)
    Tesco CC 020718: 3502.86/240918: 3172.14 9.44%
    Surveys cashed 14.84/cleared 21.45/pending 0.90... (plus 600 YouGov points...)
    50ps challenge:19.00 5ps challenge: 4.10


  • KipKip
    Hiya

    I'd love to join the 12 week challenge!!!

    I would like to acheive in this 12 weeks:

    1. Lose 12lbs of weight (debts and bad eating go hand in hand with me!)
    2. pay off at least 2,000 of debts (credit card, overdraft and store card)
    3. Start saving to pay off loan (once number 2 is acheived!)
    4. get grocery budget down to 50 a week!
    I have learnt from my in-debt days....never again!
    • Sassers
    • By Sassers 14th Sep 09, 5:05 PM
    • 1,254 Posts
    • 8,113 Thanks
    Sassers
    Hi there - can I join in too?
    I have shed-loads of other stuff to do - and probably will - but in the next 12 weeks my main aims are:

    1. Get all my 9 bank charges claims to the MCOL stage (if they don't offer settlement. No wonder I'm bloody skint, the charges are horrendous! 270 charged for going 7p overdrawn......)

    2. Pay off all niggling arrears such as mobile bill, council tax, gas, leccy, speeding fine etc

    3. Start really hammering down the exisiting debts (not arrears).

    4. Get tinterweb installed at home so I can upload any mystery shopping stuff in the comfort of my own home, and not at the overbooked local library. (this is rather annoying when you've got an old fart doddering about on the one computer with the only scanner and your eight hour deadline to post a report looms very large!).

    6. Keep chugging on (I'm working a F/T and PT job seven days a week and will be about to start evening mystery shopping too at the end of this month.)

    7. Have a bloody long lie-down at the end of the 12 weeks - preferably with the boyf who lives miles away, a hot and cold running buffet, wine on tap and an endless supply of chocolate to ward off the impending workaholic nervous breakdown!
    Love Sas xx
    Current debt and mortgage: 26, 411 Debt/Mortgage at start: 92,598 (27/09/2010) Paid off so far: 66, 187
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