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Pay off as much as you can in 2012 challenge!

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Comments

  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Im declaring my amount for 2012 roll on 2013.... drum roll please £11304.68/£48262.44.
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • jacci45
    jacci45 Posts: 1,636 Forumite
    Very well done Happy!! Hope you had a lovely Christmas!! x
  • skaps
    skaps Posts: 2,255 Forumite
    77. skaps - £3271/£5861.61 paid off.
    MFW 2016 No 68 £1300/£8500 No new toiletries Cook sth different
  • Twiggy_34
    Twiggy_34 Posts: 685 Forumite
    Ok, so I'm taking a look at my finances and working out what my goal will be for next year. (£1804 left on c/cards which, if I juggle them at the right times, will be interest free until August at the very least).

    I see I'm not the only one who had a bit of a rollercoaster ride for 2012; for example, my dp & I bought our first place together in July, and then I lost my Dad in August which was a huge blow. However, I'm looking forward to making some positive changes to things in 2013, esp to getting rid of my c/card debt once and for all!

    I think I'm going to include my mortgage in the 2013 challenge. Can someone remind me what the deal is with including mortgage repayments in the equation? Can we include the full amount & full repayments, or is it only overpayments which should be counted for the challenge?

    Wishing everybody a 'Happy New Year' too by the way _party_
    £12k in 2019 #084 £3000/£3000
    £2 Savers Club 2019 #18 TOTAL:£394 (2013-2018 = £1542)
  • jacci45
    jacci45 Posts: 1,636 Forumite
    No 36 reporting 10.00 pad so now owe 1788/31943 and paid 15391/10000 in 2012.

    Happy Saturday all!!
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Paid off my Argos card wasn't use to be cleared til 11th of next month but thought might as well lol

    Brings my total to £4853.78 / £5000

    Means I only have £146.22 til I hit target will see how my money is on Monday as don't want to leave myself short xxxxxx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Hi jacci yes xmas was really good i had a lovely time :) xx
    regarding the mortgage i dont really know i suppose you could factor in what your yearly total would be for your monthly payments ? and then decide on an amount you would like to overpay by ? xx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • misselvis
    misselvis Posts: 285 Forumite
    Energy Saving Champion
    hey my lovely DFW family, festive greetings to you all. am yet to adjust my final signature for this year but have made payments of £1600 towards my debts for November and December. This year has been full of challenges but its always warming to read your mini triumphs against our debt mountains. Roll on 2013 Many Thanks
    misselvis proud and in motion - dealing with her debts step by step :)DFW #107
    challenge pay off 6.5k by the end of 2017~ £388/£6500 challenge 1% challenge = 6% of debt cleared; challenge - build up 3 months emergency fund- £0/£6000
  • jacci45
    jacci45 Posts: 1,636 Forumite
    No 36 reporting 10.00 pad so now owe 1168/31943 and paid 15401/10000 in 2012.

    Happy Sunday all!!
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Well done jacci :) it doesnt feel like a sunday :) Have you had a nice weekend ?? x
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
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