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£77,366.35 reasons to be debt free!

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Comments

  • 40somethingmum
    40somethingmum Posts: 2,513 Forumite
    IMD,

    Hope you are ok, lovely.

    Love

    40SMxx
  • satchmo1
    satchmo1 Posts: 3,230 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi IMD, the black bin bag routine made me laugh and reminded me of nag nag nagging my eldest DS to tidy his room with the threat that if it wasn't done I'd just throw anything on the floor out.... next day, no change to said floor, so I opened the bedroom window and started throwing things out. An expensive jumper landed in the pond. Strange how he howled "noooooo - do you know how much that cost" (I did think, how can I afford that, nothing of mine costs that much?). Strange also, how much tidier his room stayed after that!!! Happy days. Now his OH gets to nag him :)
    What would you get if all you got was what you were thankful for?
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Hi IMD, things sound a bit up and down for you at the mo. I hope you are ok, and that the referral sorts things out pretty sharpish for you. I have private health insurance, through work, and have always been very glad that I have been able to use it on the odd occasion that I needed it.

    Big ((hugs)) to you, and another packet of cookies coming your way as you sound like you need them!!
    Successful 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)
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi IMD - hope you are okay. OH is having blood tests at the mo - the GP has said she wants to see another set of results in a month before making a decision on them so kind of know that uncertainty feelling.....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Thank you, am a bit up and down as completely unexpected having gone to the Dr on something unrelated. Of course the thought of the big C is flagged up in my mind but it really probably is nothing.

    Didn't mean to be fickle about having private healthcare but I think it was pretty sad that instead of my health, the first thing that crossed my mind was how much money it would cost - stupid I know.

    Anyway, not brooding, keeping busy - have made an appointment and am being seen soon.

    Cheers for the cookies Hypno but OH bought me a huge box of chocolates, and even filled in the spending diary :rotfl: Off to have a catch up now.,
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The thought of money first is part habit and part a defense mechanism....

    Enjoy the choccies
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    It's good not to brood. Just be positive and go and get it sorted. PMA all the way :)

    As for costs, of course it's the first thing you think of because you have worked very hard to retrain your brain and it's worked :T Won't you be able to claim the £100 back though?

    By the way, when's the big run? I'm supposed to be doing a 10k race in 3 weeks :eek: (I haven't even entered yet, but promised my friend I would :o)
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I'm meant to be running a 10k in 4 weeks......and haven't even started running yet alone entering :rotfl:
    Successful 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)
  • Hi IMD and thx for your helpful post about the pup on my diary. My OH, like you, is training for a marathon at the mo, and is super fit just now, so you must be too. Therefore am sure you are right in thinking all is well with you, but always good to get checked out.

    Have had a much much better day today myself - well, sun was out, was super productive and of course, DSs at school which always helps! - so thanks for your kind words on my diary yesterday

    Mrs R
    #Tesco 0% NIL Jan 2010
    # RBS 3.9% NIL Oct 2010
    # Virgin 0% £2670.92 Oct 2010
    # RBS O/D NIL - repaid with redundancy pay Jan 2010
  • Hi imd, hope everythings okay, i know prescriptions are huge, sometimes its best to ask how much they are off prescription sometimes cheaper :D xxx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
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