2011 mfw

Spiggle

pammyj74 wrote: »

another £400 this month
total now £8200

Updated for you pammyj!

Take care,
Spigs

pammyj74

cake21 wrote: »

A few congratulations while I'm signed in and well done to everyone who has made any overpayments in 2011 :beer::money:

.....................................2011 OVERPAYMENT TARGET(spreadsheet version here)

2. cha97michelle - £5000 Target reached September! :j:j
19. uzubairu - reduce mortgage to £46000 (£14000 OP) 2nd target reached October :j:j
40. Spiggle - £5700 Target reached October! :j:j
41. Kerry Woman - £1500 Target reached October! :j:j
48. SmileyG - £1200 Target reached September! :j:j
66. puddle96 - £8000Target reached September! :j:j
84. kimbo26 - £2200 Target reached November! :j:j
96. Needhelpsaving - £1000 Target reached November! :j:j
108. kw77 - £881 Target reached September! :j:j
113. drewwa - £20000 Target reached October! :j:j
118. Sugarhunny1 - £1000 Welcome to MFW 2011! :money:
139. curlygirl1971 - £6000 Target reached October! :j:j
149. skaps - £2011 Target reached October! :j:j
157. catslovelycats - £1200 Target reached July! :j:j
173. greent - £7500 2nd target reached November! :j:j
183. lighthousescotland - £2000 Target reached October! :j:j
187. katsu - £1200 Target reached September! :j:j
195. wildfrog - £2500 Target reached July! :j:j

I am now sulking for being missed off the post for reaching my target earlier in the year lol :cool: and that post three hasnt been updated with the last couple of K that I have OP'd in the last few months
Thanks cake for doing it this year
Thanks guys for taking over and keeping it up.
Just wanted to add I will be joining in 2012 keeping my target at £5k as you never know whats round the corner do you.
Thanks again

originalmiscellany

PammyJ in the first post is a place to post what you've saved,- fill that in and one of my crack troops will see to it!

Go to post 1 and it says "click here for easy update" or words to that effect...

financialbliss

originalmiscellany wrote: »

https://forums.moneysavingexpert.com/discussion/3637943

is a link to the 2012 MFW quest.
I've literally copied what cake did, so I can't take any credit from it!
Am hoping having several helpers will spread the workload fairly, so no-one feels overworked or burdened by this, which should be a fun challenge.

Nice one. Hadn't noticed you'd started that thread as I put my offer to run a 2012 challenge on the table this morning...

FB.

Catslovelycats

Scraped £57 together today.
That means OP #157 of £2527 yay.

madeupname1

catslovelycats wrote: »

Scraped £57 together today.
That means OP #157 of £2527 yay.

In my capacity as OM's little helper, this has been updated for you together with post number 1038. The total on the spreadsheet was showing as £20 short of your total above, though, so I have logged the OP as £127 for Nov!

Catslovelycats

Thanks madeup!

lighthousescotland

Hi Everyone,

Please can I join for 2012. I love this forum and find it really helpful. My overpayment for December is £230. I am trying to put it up by £5 every month in the hope that I won't notice! Thank you so much Cake for everything you have done. So glad you are OK. :j

Just wanted to say a Huge thank you to those of you who are taking it on for the rest of the year too.


ps This is my first post - quite surprised I worked out how to do it!

Spiggle

lighthousescotland wrote: »

Hi Everyone,

Please can I join for 2012. I love this forum and find it really helpful. My overpayment for December is £230. I am trying to put it up by £5 every month in the hope that I won't notice! Thank you so much Cake for everything you have done. So glad you are OK. :j

Just wanted to say a Huge thank you to those of you who are taking it on for the rest of the year too.


ps This is my first post - quite surprised I worked out how to do it!

Hi lighthousescotland,

Well done on the December OP! :T

If you work out the total you are aiming for over 2012 then one of us will add you to the 2012 spreadsheet. The thread is here.

See you all later,
Spigs

curlygirl1971

Thanks for all the admin and encouragement on this challenge during the year Cake - glad to see you around again.

Fantastic to see all the 'new' names taking an interest and joining in for next year. I remember in late 2009 lurking around and thinking 'I can't join in, I can't OP enough' but with just a smidgen of encouragement I joined up to MFW2010.

In 2010 I challenged myself to OP by £2000 and I beat that.
This year I challenged myself to OP by £6000 (I knew I was getting a bonus) and I've already beat that.
For 2012 I want to OP at least £2760......so still not a great deal compared to some but every pound REALLY DOES COUNT.

I'd been OP'ing small amounts since June 08 (Between £10 and £50 a month), then I joined this challenge and with the added motivation and following MSE tips, I found that I was OP'ing an average of £240 a month plus extras like my Bonus.........As of today I've shaved
61 months off the life of my Mortgage and my balance is £11341 less than it would be today if I'd never OP'd.

So if anyone is reading this thinking their little amounts don't count - oh yes they do....and it's amazing what a little encouragement can achieve.