Pay off as much as you can in 2012 challenge!

jacci45

Bless your heart, thanks Sarah, he should be fine but obviously until its been removed there is that uncertainty, hopefully he will get his date for surgery today.x

jacci45

No 36 reporting 22.00 pad so now owe 1268/31943 and paid 15301/10000 in 2012, have now paid 96%!

Happy Thursday all!!

archery

Get my final salary of 2012 tomorrow, so paying mybills on my computer now. Debt reduction of £900.25.
Would like to wish everyone a happy Christmas andprosperous new year.:beer:
number89
archery £13646.83/£13,500(1% over target):j:j:j:j:j

LAM2011

Well done Archery and Merry Christmas to you too.

Jacci - hope your hubby is ok and you both have a better healthy 2013.

MIT - after such a rough year I hope 2013 is a good one for you too.

Good luck to Jwil and Sarah on their expected 'arrivals' and I hope you both settle into motherhood quickly.

Well done to everyone who reached their targets.

I am signing off now on this challenge and wont be making any more over payments. I have kept back £30 for spends over the week I am off and so my final figure is

#2 = 9,690 / 10,000

I am happy with that - my biggest lesson has been to budget and not spend on ccards without proper means to pay it off. I am hoping next year to knock my loan on the head.

Hope you all have a merry festive season and I will see some of you on the 2013 challenge

jacci45

Thanks for your festive wishes Archery and LAM. I have decided to stay on here until Dec 31st and then go over to 2013 thread.
Without the last two years on here I would probably be in more debt than I was originally, thank you Jwil so much as you gave me motivation and all of you have given me support as well!
As you all know I love PADing and I have decided that once the debt is gone I am going to do SADing ( save a day!!), I am very close now and cant believe it but again a lot of my success is down to you guys so thank you all so much and here is to a very successful and healthy 2013 for us all!! xxx

Happytogetdebtfree

Ah jacci i am very pleased for you yes i too am moving to 2013 challenge on the 1st jan i will see this challenge out till the 31st, i am tired tonight busy day im going to watch some catch up tv happy evening all xx

jacci45

Well you have a nice restful evening Happy!! I am wrapping pressies, it seems never ending!! xx

Happytogetdebtfree

Another little payment made yippee £10729.68/£48262.44 i am hoping to make a big overpayment before the year is out and then it will be on to the 2013 Plans yippeee xx

Happytogetdebtfree

Ive done the overpayment why wait and let myself get tempted so when its cleared il be able to close the account bye bye mr virgin ! £11304.68/£48262.44

yay xx

jacci45

No 36 reporting 10.00 pad so now owe 1258/31943 and paid 15311/10000 in 2012.

Happy Friday all!!

Well done Happy on the Virgin card!!