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10 months and counting

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  • mel19632
    mel19632 Posts: 647 Forumite
    A little payment of £51 today to round off the year.

    Happy new year all! xx
    Paying down the mortgage:
    At 1 October 2011: £226,000
    Currently: £224,499
    Aim: 85% LTV (£212,500)
    Paid £1,500
    Target remaining: 88.89%
  • BabyBetty
    BabyBetty Posts: 196 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Hi Mel,

    Just read your diary.

    Good luck on your debt free journey - will see you in 2010. Happy debt dusting.

    BB
    Original debt at LBM July 2008, £47, 654.34. Debt at January 2016, £21,443. Barclaycard [STRIKE]£9,000[/STRIKE]£8,756, Tesco cc [STRIKE]£3000[/STRIKE]£1,136. Debenhams storecard [STRIKE]£350[/STRIKE]£263, OD [STRIKE]£3,500[/STRIKE] £3,000, Corp Tax £3,036, Study loan £1,750, Smaller debts £2,000.

    Since my LBM I have not been fully committed so now I have had a 2nd LBM.
    Aiming to be debt free by December 2016:D
  • mel19632
    mel19632 Posts: 647 Forumite
    Thanks for posting BB! I have seen you on the 20k challenge!

    £500 to Barclaycard today but nothing exciting otherwise.
    Paying down the mortgage:
    At 1 October 2011: £226,000
    Currently: £224,499
    Aim: 85% LTV (£212,500)
    Paid £1,500
    Target remaining: 88.89%
  • mel19632
    mel19632 Posts: 647 Forumite
    Feel very down about money today. Even though the end is in sight, I feel like I can't DO anything until the debt has gone.

    I want to plan to go on holiday (last time we went was August 2004).

    I want to think about saving for a deposit

    I want to think about buying a new car (well not NEW, but newer) - ours is over 10 years old and its getting expensive at services and MOTs.

    I don't feel like any of these things are extraordinary, but just can't think about it until we have paid off the debt.

    Sorry for the whinge but I feel like everyone around me is moving forward and doing fun things, but we aren't.
    Paying down the mortgage:
    At 1 October 2011: £226,000
    Currently: £224,499
    Aim: 85% LTV (£212,500)
    Paid £1,500
    Target remaining: 88.89%
  • claire0788
    claire0788 Posts: 983 Forumite
    Part of the Furniture Combo Breaker
    I think we all feel like that sometimes, like the debts not going away fast enough. Maybe you could start a small savings fund to spend the money on something fun (how dare I say such a thing on this board ;))

    I still think your doing amazing :)
  • mel19632
    mel19632 Posts: 647 Forumite
    Ha! A savings fund for fun things?! Would I dare?

    Sorry to moan - I'm sure everyone else has their problems, but I feel ever to jealous when I see people arranging weddings and decorating their houses and I'm not doing fun things like that.

    Hope you had a good weekend xx
    Paying down the mortgage:
    At 1 October 2011: £226,000
    Currently: £224,499
    Aim: 85% LTV (£212,500)
    Paid £1,500
    Target remaining: 88.89%
  • claire0788
    claire0788 Posts: 983 Forumite
    Part of the Furniture Combo Breaker
    Could just be a wee £5 a week or whatever is suitable for you and it could be just for a nice meal out (while using vouchers etc before I get lynched !), something for you to look forward to :)

    If good means working then yes, I had a good weekend lol
  • claire0788
    claire0788 Posts: 983 Forumite
    Part of the Furniture Combo Breaker
    Hey,

    How you getting on ? Feeling a bit better ? x
  • beanielou
    beanielou Posts: 95,512 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hi mel.
    You paid an amazing amount off in 2012.
    You could pop on to the 'how much have you paid off in 2009' & add your amount.The thread is also in the diary section.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • mel19632
    mel19632 Posts: 647 Forumite
    Thank Beanielou - i have already put my total on! I think I am quite near the beginning. You seem to be doing a good cheerleading job for that thread - keep up the good work!

    Hi Claire, feel a bit better, but having some problems with my insurance company which is a bit frustrating...don't want to go into too many details but currently £600 out of pocket ! :O
    Paying down the mortgage:
    At 1 October 2011: £226,000
    Currently: £224,499
    Aim: 85% LTV (£212,500)
    Paid £1,500
    Target remaining: 88.89%
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