Pay off as much as you can in 2012 challenge!

seasideDreamer

Just paid off £55 off the Amex so that's £166.00/£4065. I must adjust my total because of the overdraft but just not sure how to best do it

jacci45

no 36 reporting...pad 5.00...now owe 16205/31943 and paid in 2012 475/10000.

happy wednesday all!!

OrangeFairy

No95 checking in :D

Loan payment made today - checked loan balance. Payment has taken of £143. £5 La Redoute payment

£558/£5000

Next month my loan will be under the 4.5k mark! Will celebrate when it is under 4k!

LAM2011

Morning all -

Fairyclicks - how long does it take for the voucher to reach paypal / amazon with Swags? My first I did as paypal and about to do an Amazon - decided I want to save for a kindle

After the palava of the overpayments / charges on my loan - they have used the recent PPI on that loan (yes I have had more than one with them ) to restructure my loan. They did it yesterday and I keep going and checking that they have not changed their mind but it means my loan is finally is under £20K :j

I have used that restructure amount as part of my quest for this year so my new total is now :

#2 £2,733 / £7,500

all part of my goal to get rid of the loan in 3 years not 5.

9th Feb - had to alter figure because sure enough they have charged me £19 for the PPI credit to the loan

jacci45

thats great news LAM!!!
as we all keep saying if we keep going we will get there in the end!!

danetastic

Number 94 Finding it REALLY tough Had £10 in purse since 21/1 spent £25 at aprvd foods and yesterday spent another £20 with them again Still have £10 in purse ( same £10) Just missing sweets and desserts ( some in tomorrow's delivery Woohoo Get paid on 23rd and hoping not to spent anything tip then. Can't believe how many no spend days I've managed. Determined not to add to debt just really down ATM as SO hard. Keep reminding myself won't be forever and will be worth the effort

jacci45

no 36 reporting, 9.00 pad......

now owe 16196/31943 and paid in 2012 484/10000

happy thurs all!!

LAM2011

danetastic wrote: »

Number 94 Finding it REALLY tough Had £10 in purse since 21/1 spent £25 at aprvd foods and yesterday spent another £20 with them again Still have £10 in purse ( same £10) Just missing sweets and desserts ( some in tomorrow's delivery Woohoo Get paid on 23rd and hoping not to spent anything tip then. Can't believe how many no spend days I've managed. Determined not to add to debt just really down ATM as SO hard. Keep reminding myself won't be forever and will be worth the effort

Keep going danetastic - I found last year really hard when I first started trying to break the culture of spending on the credit cards. Well done on all the no spend days. Do you do any of the surveys etc. Its not a lot of money but will keep your mind occupied on other things. x

danetastic

94 here again Amazing wot a good night sleep does. Am pleased with how I'm doing B4 LB moment I was spending double in one week and the £45 WILL last me 5! Finding ApR&vd food was a godsend as saved loads buying staples from them . Yesterday was a down day as dogs stole venison was Gona make stew with and last of eggs I was gona bake with. Now only place food safe now is fridge and oven. I do APPRECIATE all the help and encouragement guys and spend lot of time reading diaries etc I know things are getting better . Am so looking forward to being debt free and so happy found guys likeminded Who understand

jacci45

no 36 reporting....pain in bl**dy arm and back is stopping me sleeping yet again and Ive just tried to go downstairs and the pain is too bad in my back so i couldnt even get down 1 stair, to say im fed up is a total understatement.you know when you get times you think someone must have it in for you,well this whole year has felt like it for me......sorry for moaning but things do seem worse in the early hrs and you are on your own. hubby is sleeping in the spare room at the mo because if he rolled onto my arm i would divorce him!!
anyway on a positive side 10.00 pad so now owe 16186/31943 and paid 2012 494/10000 and ive not smoked for 3 weeks......how i do not know!!
happy friday all!!