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£77,366.35 reasons to be debt free!

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Comments

  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Bonus week for me too, so fingers crossed for biggies all round :D

    Sleep well xx
    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)
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Good luck with the bonus.
  • Big bonus vibes your way :-)
    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
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hiya :hello: Hope you're well. Sounds like a good move re: the NT. It's the right thing to balance all the stress.

    Fingers crossed for a lovely juicy bonus to ease the pressure a bit. Have a good week x
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    IMD - had another fight with A&L, they won!

    As soon as I dont need the o/d I am away!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • so sorry redmadcurls stupid a and l :( hope you are well imd and the bonus was good x
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi imd glad you go your insurance money back in the end.

    Hormonal in my house too even without marathon excuse...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Hi IMD...hope everything is ok for you as you've not been here for a couple of days.
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Hello :hello: Have been trying to post but my computer said no, not sure why?

    Well, I am proof that complaints are worth it. Wrote to the nasty A&L, quoted the amount we pay in every month, how we hardly ever go over the limit and I will be taking custom elsewhere and £25 duly returned to my bank :j:j:j So I have beaten the Insurance company and the Bank this month :D now just dratted BUPA to go :mad:

    Also got renewal letter from RAC last night for £160, rang them up and said I wouldn't be cancelling it and wanted to look around for a better offer, they then offered me £90!!! So one phone call and £70 better off which shows just how they try and rip you off in the first place! Going to have a look on quidco anyway just to see if I can get any better deal but doubt it.

    Have a huge list of things to pay if/when OH gets his bonus, it would leave us with both cars serviced, roof fixed, camping holiday paid for, new suit for OH, few clothes for kids and the surplus to pay off debt as well as hoping to clear the Next bill. I just need to be in a kind of clean slate position so that all the messy bits that need dealing with (DD's school trip) are sorted and I can focus 110% on the debt busting. I think this is the best way to do it, rather than try and pay it all off the debt?

    Having a rollercoaster of ups and downs at the minute. A friend has just been given a load of money from her in-laws and is hardly even grateful and I just wish I was that lucky. Moaned to OH a bit but he said that despite our woes there are no friends that he would want to swap his life with and our problems are short term - bless him :D

    Hoping weather stays nice as we are going to take the kids out after work for a walk - all free.

    Off to catch up with everyone elses diary now whilst pretending to do some work.
    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
  • taxi73
    taxi73 Posts: 20,815 Forumite
    He is right....lol for once.
    Hope your bonus comes through and the weather stays nice.
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