Fresh tax year fresh diary ( i cant locate my other one) :D

OrangeFairy

Enjoy the goodbye :j:j:j:j:j

Did you have a great Christmas? x

Happytogetdebtfree

I had a wonderful xmas thank you we have started trying i just waiting till i can test im so excited fingers are crossed. I will be ready to see 2013 savings, negative wealth clearance are all on my agenda xx

Happytogetdebtfree

So challenges for 2013 in terms of unsecured finances are the following:-

• Barcaly Card £1134.65
• Capital 1 £1893.54
• Halifax Card £1573.60
• Overdrafts £3280
• Halifax Card £4816.19
• Mint Card £2243.32
• Santander Card £2784.77

Totals up to £17726.07 that averages out at £1477.18 per month for 12 months bring on the challenge

OrangeFairy

Hi Happy....sending good vibes to get that negative wealth done!

I may be being dim but what is POAMAYC 2013

I have seen it on Chocs diary too.

OF x

Happytogetdebtfree

Pay off as much as you can 2013:) hehe its ok your not dim there are alot of abbreviations haha xx

Choc-addict

Hey happy!

Happy New Year to you! Any nice plans for this eve? I'm uber excited about next year, I really think it'll be the major changing year for finances and hopefully family too all being well :D:D

I've got to nip out and get diaries/notebooks/get signed up to surveys etc....all go go go but it'll be so worth it. Start as I mean to go on as they say!!

Keeping FC for you guys getting lucky

Choc xxx

Happytogetdebtfree

Hi choc xx I got a lovely diary for 2013 in the m&s sales I was very pleased :-). I'm very impatient but need to wait till totm due date before I test as I could be testing early and a lot of people I've spoke to tested negative until a few days of been late. Il try not to be disheartened if it doesn't say what I want it to, things take time :-).

I'm looking forward to crushing numbers in 2013, hopefully hubby's bonus due in jan yippee that will be a very good start to the new year :-). Good luck with diary and notebook buying :-) xx

OrangeFairy

ah I was a part of POAMAYC2012

Will rejoin as I trailed off last year!

Happytogetdebtfree

I love the challenge and the paying stuff and declaring it, at the end of 2013 my target will be met i will be heading into 2014 with £19231.69. I will not be wishing time away, but i will certainly be more money constructive. I have been very pleased with the last couple of months, ive made some good overpayments. Next year will be very much about paying the negative wealth down but it will also focus around creating some sensible saving pots for a couple of months salary and emergency pots. I intend to be realistic. Some other focus points will be healthy eating excersize and getting pregnant lol only 5 more days till my totm hopefully it doesnt show up and il be able to test positive xxx

OrangeFairy

ill have my fingers crossed.
The 5th of January was when I got my positive test with DD2....8 years ago. Gosh time flies. I hope you get a lovely New year Surprise as I did