Pay off as much as you can in 2012 challenge!

o2bfree

Well done on being off the ciggies, Jacci.
Try not to worry about the op.....hard I know!

I did a little PAD today of £12.90 so total now 479.81/£6000

michmcc79

Good Morning all,

Thank you for all your lovely messages of support the other day when I was feeling a bit down. You will be pleased to know I am back to normal now and feel a it silly for feeling grumpy!

Vodafone agreed to extend my payment date until next Thursday when it will be a more comfortable time for me to pay it so I used a little bit of money I had left in my account for some payments. £15 off Kays and £12 off capital one bringing my total so far to £108/£1900 :T

Hope you are all having a lovely day xx

cakelover_2

Hi All.

Payments for this month are £225.98 on loan (3 payments left! :j) and £78 to cc, making my total:

£303.98/£3762.44 8% paid

Have got a mystery shop booked for Feb and was going to cancel it, but now I have come on and seen my target again (haven't been on for a while) I really should do it! Will probably do them till the end of the tax year as I am going to start my own business and I don't want to do two returns! Off to catch up with the thread now!

wannabehermit

Hi, after a bit of advice on what I should be posting. I've paid another £30 today off of the catalogue :j, but last weekend we had to get tyres for the car. Not having the cash to pay for it (exhaust also needed and MOT due) it's had to go on one of the cards which takes me to a minus figure. :eek:

I don't want to mess up everyone elses figures by posting a minus, but my target is to clear £2000, not simply pay off £2000. Not sure what I should do really.

LAM2011

wannabehermit - in my opinion its whatever record you want to keep. I wouldnt worry about the minus figures on the overall challenge after all we are here because of each of our own debt and trying to tackle it. On last years challenge there were people at the end of the year that had hardly (or dare I say ever) reported back so whilst it is nice to know how much debt we are tackling as a group - at the end of the day its our own personal circumstances that are changing

sarahs999

Wannbae hermit, when I've had that situation I simply don't declare it as part of my debt, but I pay it off as an 'extra' if you see what I mean. So I had £100 to pay off from a hen night that I put on a card, didin't add it to my debt declaration, but didn't count it towards my total of money paid off either.
HTH

jwil

wannabehermit wrote: »

Hi, after a bit of advice on what I should be posting. I've paid another £30 today off of the catalogue :j, but last weekend we had to get tyres for the car. Not having the cash to pay for it (exhaust also needed and MOT due) it's had to go on one of the cards which takes me to a minus figure. :eek:

I don't want to mess up everyone elses figures by posting a minus, but my target is to clear £2000, not simply pay off £2000. Not sure what I should do really.

It's up to you really wannabehermit, it's not a problem.

I've done before as Sarah has - not declared it, and not counted those payments.

Otherwise, you could take the amount spent on tyres off of your amount paid off, or increase your target to £2000 + the tyres.

Whichever you choose to do is fine

wannabehermit

Thank you for your thoughts.

Tyres were £431.40 and with todays payment my total cleared debt has been £430.61. I could call it quits and start from scratch which would be more in line with my 'rules' but they were an essential expense, not as though I've just gone out willy nilly and blown £400, so I could just class them as that and go along with Sarahs suggestion of not counting it and the payments that I make toward it. Hmmm, decisions, decisions!

I'll declare at £430.61/£2000 for now and have a think about it.

cutestkids

Just updating my total paid off so far is £961.86 / £5000

My_life

Hi everyone - number 27 calling

£2,190 paid off this month. I have also joined the save 12k group as I need to increase savings as the same time

Take care

My Life