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What have you achieved this year?
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            My husband and I both found jobs.0
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            purple.sarah wrote: »My husband and I both found jobs.
 Congrats! Must be a massive boost.0
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            PedroMatias wrote: »Congrats! Must be a massive boost.
 Thank you! We were on JSA before so yes it is a big boost to our finances and self esteem. It was a relief to find jobs before Christmas.0
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            Hey Purple,
 I just wanted to say well done on both of you finding jobs. What a fantastic way to start the New Year!
 -x-LBM: Oct 2009 When CC debt was £25,000+From Aug 2011: Paid: NatWest 1: £1862, NatWest 2: £869 Egg 1: £2188.95Egg 2: £1832 Total CC Debt: £0 !!All thanx to '1 Debt in 100 Days (part 6)'"We are all lying in the gutter but some of us are looking at the stars." Oscar Wilde0 Total CC Debt: £0 !!All thanx to '1 Debt in 100 Days (part 6)'"We are all lying in the gutter but some of us are looking at the stars." Oscar Wilde0
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            Ok, what a year I've had, I thought it went all too quickly in a blur but when I look back, I can now see why! ...
 - I've passed my QTS (Qualified Teacher Status)
 - Income increased by 25%
 - Became Debt Freeeeeeeee (paid the final £6769 of a whopping original £25k+ all thanx to Amara's 1 debt in 100 day (Part 6) Challenge) :j
 - Booked a Holiday 
 - Joined Amara's 1 debt in 100 days (Part 7) Challenge to pay said hoilday off ...:rotfl:...
 - Passed Terms 1 + 2 of my NQT year (Newly Qualified Teacher)
 - Began my Masters Degree
 Here's to 2012 :beer:
 -x-LBM: Oct 2009 When CC debt was £25,000+From Aug 2011: Paid: NatWest 1: £1862, NatWest 2: £869 Egg 1: £2188.95Egg 2: £1832 Total CC Debt: £0 !!All thanx to '1 Debt in 100 Days (part 6)'"We are all lying in the gutter but some of us are looking at the stars." Oscar Wilde0 Total CC Debt: £0 !!All thanx to '1 Debt in 100 Days (part 6)'"We are all lying in the gutter but some of us are looking at the stars." Oscar Wilde0
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            What a fab thread OP :j:beer:
 2011 for me:
 I had my LBM at the beginning of the year straight after xmas 2010...........(when all the bills came in ) )
 DH & I have learned how to budget, cut our grocery bill by around half :eek: managed to pay for a holiday, new car (ok only a caravan hol and a 10 yr old car but still....:rotfl:) in CASH.
 We've lived without credit cards, loans, overdrafts for nearly a whole year now and we've got rid of around £3k of debt :T......i'm very happy because we haven't added to it, we've learned how to save for what we want (:o!)
 and looking forward to 2012 and paying more debt off :beer:Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
 Total- £1783.67
 Goal pay off 1% of current mortgage in 1 year. £1650
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            This year paid off £17000 and I'm debt free (ish) but finally free.
 Big relief after being in debt for over 10 years0
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            What a great thread!
 this year I have:- Had my LBM
- Spend £150 less on Christmas than I did last year
- Met a nice young Man
- Paid off my HP and now own my car outright
- Registered as an Extra and made £200 already
- Cut up my credit cards
 - Learn't how to live within my means, no overdraft, no credit cards, no borrowing from parents until payday :T
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            My husband and I continue to be debt free.0
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            This year I've realised my business as a driving instructor wasn't working, therefore had my LBM and since then found two jobs, one permanent in retail and one temporary in my previous field - Council Tax recovery (realise I'm not everyones favourite person ;-)) I've managed to consolidate most of my debt through a loan from my parents and I'm well on the way to saving towards my wedding in 2012!
 I remember reading a lot of friends facebook status' in 2010 saying how they had such a bad year and couldn't wait until 2011 - at this point I thought they were mad and that life was rosey (how wrong was I). Now I can't wait until 2011 is over and looking forward to 2012!I work in Council Tax recovery, any views are purely my own based on the information supplied.0
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