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Massive debts

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  • oooh i'm hooked! when's the next chapter coming!! excellent stuff :) and i don't think many are completely honest when starting on these diaries, i know i wasn't i didn't know who was reading and whether i'd get a telling off or sympathetic ear! xx
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • gargrave50 wrote: »



    Do you know what? I'm a bloody great Mum and a bit of a genius. Maybe my husband should realise, that when it comes to stretching our money and making the best of what we have - all whilst paying for and single handedly organising an emigration to Australia - I am the mutts nuts.

    You know what - I am going to write that book. Hope someone buys it!!!
    :T you are indeed a fab mum! you've gone to london to earn a good wage and provide for your family, you rarely see Cole, and i understand that all too well my eldest being in boarding school. It's an absolute wrench when you don't see them for so long, and you have had the debts to deal with single handed and sorted out Aussie pretty much alone. I take my hat off to you (well will do when i'm debt free and can buy one) :A
    gargrave50 wrote: »
    Not the catchiest title - but its a start

    "My journey to Debt Freedom - laughs, anxiety and stress free of charge". :D

    :cool::T
    gargrave50 wrote: »
    Okay I'm officially a twisted bugg@r.

    Just had a major obstetric haemorrhage in theatre, and the only thing I could think about was that Leona Lewis was on the radio in the background "keep bleeding, keep keep bleeding":rotfl::rotfl::rotfl::rotfl::rotfl:.

    I am absolutely no help whatsoever, just as well I was scrubbed and had a mask hiding my facesurgeon-emoticon-msn.gif

    :rotfl: i shouldn't laugh, but i did :o!
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    I too am hooked and can't wait for the next instalment. Your posts are always entertaining, whether debt related, obs related or just general life related. :j

    I bet you are not the first and certainly won't be the last not to be honest when you first wrote on here. After all, how do we know who is reading the posts and whether that person can identify us from the personal details we give away, little by little in our posts. :eek:

    There is certainly enough info in my first post to you for some people to identify me and that is scary. There are some people I don't want to know my guilty little secret for many reasons. I am seriously considering writing my own diary as I can't write a real one in a book at home that my husband could discover. He is however such a technophobe that he'll never discover it on here. :D
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • MatyMoo
    MatyMoo Posts: 3,176 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    gargrave50 wrote: »
    Okay I'm officially a twisted bugg@r.

    Just had a major obstetric haemorrhage in theatre, and the only thing I could think about was that Leona Lewis was on the radio in the background "keep bleeding, keep keep bleeding":rotfl::rotfl::rotfl::rotfl::rotfl:.

    I am absolutely no help whatsoever, just as well I was scrubbed and had a mask hiding my facesurgeon-emoticon-msn.gif

    I have the same very warped sense of humour!

    Loving the start of the book, can't wait for the next instalment :D
    :j Proud Member of Mike's Mob :j
  • never_too_old
    never_too_old Posts: 3,082 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    i want more,that was brilliant:j
    MAKE £2022 in 2022 no 29 £2022/£434.10
    Mortgage@ 1/1/2022 £17540 / £1601.39
    pay all your debts by xmas 2022 £15000/ £1865.29

    https://www.facebook.com/groups/680889456637403
    you tube channel never too old
  • charlyze2
    charlyze2 Posts: 101 Forumite
    I have been lurking on your diary for a good while now, but i have never posted. I rarely post anywhere. I prefer to read :D

    I have been amazed and inspired on how you have dealt with your debt situation.

    I just wanted to say that the first part of your book was Fab.

    I will def buy it when it comes out (providing i can find a discount voucher :rotfl: money saving and all that)
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Oops! Initially starting jotting some stuff down as a joke, before I knew it I've got an introduction and 3 chapters down!

    Would value some feedback, so if anyone fancies a read for me of what I've got so far PM me your email address and I'll send it off for you to have a read.

    I can't help it, its peppered with a few swear words, so apologies for anyone who doesn't appreciate that. What can I say? It's a true reflection of some of the words which came to mind whilst ploughing through my debts !:rotfl::rotfl::rotfl:

    I think I might actually give it a try - hey it probably won't get anywhere, but I really enjoyed tapping away at it last night!:D
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Thank you everyone truly, for your lovely comments. All which sounded sincere!

    My dedication will include you all when I'm famous - you can call me JK Rowling ;).
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Having re-read the bit I've posted, I have to say I'm not that impressed with it, however you all seem to like it. I got right into the spirit of it last night, can only imagine it will get better once I add a couple of glasses of vino :D.
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • nonnatus
    nonnatus Posts: 1,458 Forumite
    Hello!

    I've not read the previous 400 odd pages, but something made me click on the last page of your thread and here I am! I thought you were a man to begin with, because of your user name :o.

    Your biography bit though, could have been written about ME, it's astonishing how similar we are! I assume you qualified as a midwife and that is the reason you're able to emigrate?? I got SOOO close to being a New Zealand Midwife, something I'd still love to do, before my marriage ground to a halt. I'm a single Mum now. and I'm a chef instead of a midwife at the moment (VERY long story :cool:). I'm fairly sure I wouldn't have enough points to get me even half way to OZ at the moment but it's my ultimate aim.

    I'm wittering a bit really and I don't know why I clicked on the reply button but I loved your diary and wanted you to know that I suppose. You write really well, you should definitely have a go at something commercial!
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