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Trials and tribulations of a Debt Free Wannabee!
Comments
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savingholmes wrote: »Tiredness definitely won't be helping but it was a slippery floor and my boot slid - and then so did I face first out a door!!!!!:eek: I was really lucky it was a push open external door and it opened!savingholmes wrote: »hi csa and se - I agreed I could work from home today - got some work done.
Still in pain - in neck and shoulders now not just elbows and knee! But my knee swelling has gone down a bit and I have more freedom of movement now. Intend to go into work tomorrow.And glad they let you work from home today too! :T
The result of our :idea: moment has meant that we are in the process of getting CAB's debt advice case worker to freeze the interest/charges on the relevant debts, and about to start proceedings to sell DH&MIL's house... if it comes off, and we get what the estate agent seems to think is a realistic figure, and it actually sells, we could all walk away (aside from student loans) debt free, with even a couple of grand to our names! :shocked: Now hoping and praying (and stressing) that all will go to plan (and that MIL sticks with the plan too!) and that it goes as smoothly as possible!If it does, she should be much safer, in sheltered accomodation, potentially with housing benefit helping her out too.:D So get praying that it happens!!!;)
"I am indelibly stained by hope and longing" - Nuts in May0 -
Good luck Big Zippy. My grandma had a wonderful flat in sheltered accomm and absolutely loved it, she never looked back so fingers crossed for that.
SH, thankfully, our camp shuts down on Friday and doesn't open again until the 4th Jan. So two weeks off, hooflippinray!!!! We get two days "grant" added to the bank hols so only actually use 5 days of leave.
Hope you're doing ok and the cold isn't making it worse.0 -
hi bz - good luck with selling the house - glad you have CAB involved too - makes sense
Hi CSA - sounds like a nice break bet you can't wait!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Good morning, how are the aches and pains?0
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Sorry to hear about your nasty fall. As BZ says make sure it's in the accident book. if it happens a lot their h&s needs looking at before someone sues them.CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420
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coldstreamalways wrote: »Good luck Big Zippy. My grandma had a wonderful flat in sheltered accomm and absolutely loved it, she never looked back so fingers crossed for that.
I think it really would be the best decision for her, regardless of the financial situation...I just hope she continues to think it too or it could turn into a battle!:rolleyes:
Sorry to hear about your nasty fall. As BZ says make sure it's in the accident book. if it happens a lot their h&s needs looking at before someone sues them."I am indelibly stained by hope and longing" - Nuts in May0 -
Hope your doing ok after your fall SH, do you have any arnica? It can help with bruising.
I've no idea what I'm doing on bp anymore, I did the bingo, then started on slots, and I never seem to get anywhere, are there any tricks/tips I could borrow? x:idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
hi everyone
Thanks for posting - I went to the hospital tonight - apparently I could have a fractured knee cap altho she thinks I am walking too well for that. They want me to go for an xray tomorrow. Feel very scared now.....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
savingholmes wrote: »hi everyone
Thanks for posting - I went to the hospital tonight - apparently I could have a fractured knee cap altho she thinks I am walking too well for that. They want me to go for an xray tomorrow. Feel very scared now.....
Oh you poor poor thing. That sounds so sore. Hope you are okayTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
clearmydebts wrote: »Oh you poor poor thing. That sounds so sore. Hope you are okayAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250
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