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Gemmzie's "Finding Some Balance in 2009" Diary
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Gemmzie
Posts: 14,876 Forumite
New year so yup, new diary. Now we've cleared all the credit cards (:j for that), we are changing tact.
We're in a bit of a limbo until Monday, waiting for some news which will hugely affect the financial situation so will do a new SOA after that.
The DMP is pretty quiet and non eventful, so we're going to start claiming back charges and offering full and finals. Details to follow...
Also, as well as debt busting, we are now saving. Amounts to be confirmed based on new SOA but generally we have / are aiming for:
* New boiler - £1002 / £1500
* Mortgage overpayment - £125 / £1200 (two month's payments)
* Halifax F&F - £0 / £310 (for 30% as a start)
* Oh !!!! fund - £0 / £2275 (one month's income for dad)
The title is also about finding some balance away from the finances, which is desperately needed for all of us.
So wish us luck
We're in a bit of a limbo until Monday, waiting for some news which will hugely affect the financial situation so will do a new SOA after that.
The DMP is pretty quiet and non eventful, so we're going to start claiming back charges and offering full and finals. Details to follow...
Also, as well as debt busting, we are now saving. Amounts to be confirmed based on new SOA but generally we have / are aiming for:
* New boiler - £1002 / £1500
* Mortgage overpayment - £125 / £1200 (two month's payments)
* Halifax F&F - £0 / £310 (for 30% as a start)
* Oh !!!! fund - £0 / £2275 (one month's income for dad)
The title is also about finding some balance away from the finances, which is desperately needed for all of us.
So wish us luck
No longer using this account for new posts from 2013
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Comments
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Here's hoping that 2009 brings you all that you hope for, Gemmz xSuccessful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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all the best for 2009 and hopefully Monday will bring you great news:D£2 savers club 2025 #40
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Hi - everything crossed fro Monday
Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56Weightloss : 0/34lbs0 -
Good luck for 2009 Gemmzie & hope Monday brings good news! xxTarget debt - Loan left over from previous relationship - c. £3700
“Courage is found in unlikely places” — J.R.R. Tolkien0 -
Just logged into internet banking to find that the mortgage is dropping from February due to the last rate drop. Another £164 a month spare! :j :jNo longer using this account for new posts from 20130
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Fantastic news gem :j Good luck in 2009
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Lovely new diary Gemz, hope you get the news you want on Monday and brilliant start to the new year with your mortgage dropping - you will have that boiler in no time! x xPay Debt by Xmas 16 - 0/12000
There is something about the outside of a horse that is good for the inside of a man.0 -
Wow great news re the mortgage rate! I'm sure you'll consider carefully what to do with it but one idea could be to save it (to use against the mortgage if needs be to get a cheaper deal - for example if you wanted to re-mortgage to a 50% mortgage not a 70% - or whatever your personal situation is with mortgage obviously!). Hope tomorrow (today?) works out well for you - I've got a BIG conversation with my boss tomorrow re my health which has me on edge - wish me luck & likewise, I'll be thinking of you xxTarget debt - Loan left over from previous relationship - c. £3700
“Courage is found in unlikely places” — J.R.R. Tolkien0 -
Wow your finances sounds so much organised than my do! Everything seems to be going well for you currently, great news about the mortgage decrease, hope tomorrow brings the same good news! :TKeep the Faith!0
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