christmas

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Struzzo39

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Post by Struzzo39 » Tue Jul 19, 2011 7:27 am
Well as sad as I am, i've bought my first couple of pressies to put away . Will hopefully help to lighten the load when the time comes
Steven & Debbie
 
 

Shining

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Post by Shining » Tue Jul 19, 2011 7:42 am
Well done you for getting started, once I break up from work on Friday I'll start preparing a list, my list gets smaller every year though so not too many to buy for. Got daughters 18th in October too!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Til

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Post by Til » Tue Jul 19, 2011 8:05 am
I'm saving with Park so hopefully come November I'll have lots of vouchers to spend! [:D]
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
 
 

carole2662

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Post by carole2662 » Tue Jul 19, 2011 8:20 am
Always pick up bits through out the year as I find if you don't the bits aren't there when you decide to start shopping.
 
 

frost

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Post by frost » Tue Jul 19, 2011 12:07 pm
I too have started my christmas shopping. Spreading the cost really helps as we havea large family.
 
 

kallis3

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Post by kallis3 » Tue Jul 19, 2011 4:31 pm
I shall send off for all my survey vouchers in October and that will be me mostly sorted!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Struzzo39

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Post by Struzzo39 » Tue Jul 19, 2011 6:49 pm
My youngest did his list last week, the ink run dry in the pen its that long !!!
Steven & Debbie
 
 

Shining

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Post by Shining » Tue Jul 19, 2011 6:55 pm
ah bless him, it might be easier if he wrote what he didn't want Struzzo. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

4kidsnocash

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Post by 4kidsnocash » Tue Jul 19, 2011 10:53 pm
Struzzo39 wrote:

Well as sad as I am, i've bought my first couple of pressies to put away . Will hopefully help to lighten the load when the time comes
It's my youngest sons birthday in 2 months, I noticed a couple of Meccano style sets in a shop in town, have now purchased 3 of them for a total of £8. Not a kings ransom, but they are a toy he will love (he enjoys building things) and they are paid for in full - and that's a nice feeling.
Alas, I am dying beyond my means.
Oscar Wilde
 
 

kallis3

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Post by kallis3 » Tue Jul 19, 2011 10:56 pm
Of course Ebay is also a brilliant place to get pressies cheaper than normal!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

4kidsnocash

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Post by 4kidsnocash » Tue Jul 19, 2011 11:04 pm
It is indeed, provided you do your homework.
Alas, I am dying beyond my means.
Oscar Wilde
 
 

Struzzo39

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Post by Struzzo39 » Wed Jul 20, 2011 7:36 am
Defo, we saved loads last christmas scouring the iternet for wanted presents and deals on them. I hate to let my boys down as its not their fault that we're in this mess.
Steven & Debbie
 
 

Til

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Post by Til » Wed Jul 20, 2011 7:39 am
I must admit I now feel cheated if I have to pay full price for anything! I can't let it beat me by paying the full price - its a challenge lol!

I scour the web for discount codes or lower prices - the other day I bought a gift and managed to save £4 and it felt like total victory ha ha!

How this IVA has taught me well [:D]
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
 
 

lukeofyorkshire

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Post by lukeofyorkshire » Wed Jul 20, 2011 9:19 am
Blimey well early! But good planning I agree.

Thankfully about 5 years ago I stopped buying for people as my family is large I was spending £2000 each Xmas on just basic gifts.

In return they do not buy me anything and we all focus on our kids and partners. This Xmas it will just be presents for my missus and even then we have agreed a small budget not to go over.
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
 
 

kallis3

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Post by kallis3 » Wed Jul 20, 2011 5:23 pm
The adult children have some of the vouchers I get from the surveys - so that costs me nothing. The grandchildren don't have much bought for them, my parents don't need a lot so it's normally an item of clothing for them.

Hubby and I exchange a token bottle as there is nothing else we need or want.

I do buy my dogs a pressie each though!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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