Onwards and downwards...
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We did the boot sale yesterday and got rid of some more stuff. Didn't manage to go through it all so might do that over the winter. We don't want to run out of room to put new stuff!
"If you can dream it, you can do it". Walt Disney0 -
Well done on the carboot sales and good luck with the offer x 0
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Deleted_User wrote: »Good luck, nothing lost in trying
HairyHandofDartmoor wrote: »Good luck, fingers crossed they say yes.Hiddenidenity wrote: »Well done on the carboot sales and good luck with the offer x
Thank you "If you can dream it, you can do it". Walt Disney0 -
Got a letter from Tax credits yesterday and they've finally updated the information correctly. Our overpayment is now £1400 :eek:
"If you can dream it, you can do it". Walt Disney0 -
Ouch :eek:. We had to pay back about £2500 working tax credits when DH got his pension money
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
HairyHandofDartmoor wrote: »Ouch :eek:. We had to pay back about £2500 working tax credits when DH got his pension money
It's horrible isn't it Our tax credits for this year have stopped, and they reckon they'll get it back from next year, but I'm not sure we'll be entitled to any "If you can dream it, you can do it". Walt Disney0 -
Our tax credits have stopped too for this year I'm hoping we'll be able to manage without them. We should be able to claim them again in April 2018, depending upon our income. But I think we would be moved onto Universal Credit then and I haven't heard good things about that
However I hope that we can raise our income sufficiently so that we don't need them by then.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Total debt:
1. [STRIKE]£2,301.00[/STRIKE]/ £2,288.00
2. [STRIKE]£8,388.00[/STRIKE]/ £8,338.00
3. [STRIKE]£6,892.00[/STRIKE]/ £6,878.00
4. [STRIKE]£4,022.00[/STRIKE]/ £4,008.00
5. [STRIKE]£2,380.00[/STRIKE]/£1,900.00
6. [STRIKE]£4,586.00[/STRIKE]/£4,568.00
7. [STRIKE]£4,813.00[/STRIKE]/£4,787.00
8. [STRIKE]£1,175.00[/STRIKE]/£0.00 :j :j :j
[STRIKE]£34,557[/STRIKE]/£32,763 = 5.19% paid
Savings target: [STRIKE]£19,320[/STRIKE]/£323 = 1.67% reached
Emergency savings: £2000
DFD - [STRIKE]December 2087[/STRIKE] Jan 2086 :eek:
Slowly but surely...
:eek: :eek: :eek: OMFG, I have had a letter from debt no 3 saying that they have closed my account and I owe nothing????????? That is an account I have CCA'd and they haven't responded. It's also the one I have a ppi claim on :huh:
It also says they will remove it from my credit record.
It's as a result of my recent correspondence which must mean my 'going it alone' letter.
I cannot believe that, I will not believe it until I see it :eek: :eek:"If you can dream it, you can do it". Walt Disney0 -
HairyHandofDartmoor wrote: »Our tax credits have stopped too for this year I'm hoping we'll be able to manage without them. We should be able to claim them again in April 2018, depending upon our income. But I think we would be moved onto Universal Credit then and I haven't heard good things about that
However I hope that we can raise our income sufficiently so that we don't need them by then.
It's a real minefield isn't it. "If you can dream it, you can do it". Walt Disney0 -
:eek: :eek: :eek: OMFG, I have had a letter from debt no 3 saying that they have closed my account and I owe nothing????????? That is an account I have CCA'd and they haven't responded. It's also the one I have a ppi claim on :huh:
It also says they will remove it from my credit record.
It's as a result of my recent correspondence which must mean my 'going it alone' letter.
I cannot believe that, I will not believe it until I see it :eek: :eek:
Oh wow that's amazing :j:j If you've got it in writing then it must be true :T:T:TFinally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0
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