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£77,366.35 reasons to be debt free!

15253555758178

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  • well done imd on cancelling the dds for some unwanted things keep up the good work xx
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    hypno06 wrote: »
    It was when MBNA did a similar thing on OH credit card that my lightbulb came on fully - coinciding with my first week on MSE.......hmmmm :rotfl:

    It was the kick up the backside we needed - we had been "trying" to do something about it for years, but were treading water - that credit reduction though made us wake up a bit, and I have never looked back!

    Needless to say - current balance on MBNA - £0.00 :D

    Good advice as ever Mrs H!
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Think you are all right, of course when are you not :rolleyes: Has given me a slight push forwards and it just means getting head down and on with it.

    Slightly stressful day as puppy was over excited and tried to get out of patio door when it was only partially open, door fell off, dog concussed, me not knowing whether to laugh or cry :eek: Result of which was £66.50 as had to find a patio man to put the door on :eek: Who says my life is normal :rolleyes:

    Have posted all cards and presents where necessary which has cost a fair bit as well but all sorted and out of the way.

    Had a nice run this morning as well, then a walk with dogs, house cleaned from top to bottom, kids have done all their xmas cards and pressie labels and all sorted!

    Now sat down at last, updating spending diary with patio door and stamp expenditure and then bed.
    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
  • That did make me laugh a concused puppy!!!
    Working Hard to be Debt Free - one day :A soon
    DFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100
    Total Nov07 £36000, Sep10 £1623:o:)
  • Wow, some great savings on the DDs etc. Good going. Hope the puppy is ok, that story sounds so made up!!! haha.
    Also well done on being so organised with the cards/gifts. I've still to write the cards, ooops. No idea where December is going already...
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi imd - well done on the xmas prep, hope dog and door are now okay! How irritating to have to spend £65 on that tho - but sometimes life seems to hit us with these things....
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    The dog seems to have recovered from the incident, my purse no doubt will recover in time!

    Had mental list of unexpected things that have happened we need to pay for:-

    Patio Door
    Leak in ceiling
    Car bill

    Played BB and sadly nothing won and there was a lovely £70 in the pot as well :rolleyes:

    Got to get DS a little something extra but no idea what, was going to get a GO Go hamster but they are sold out and going for ridiculous prices - not going to get into more debt over something we can get him for his birthday for even cheaper.

    Off to pretend to do some work, have done little all day....
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Just accepted a mystery shop for my bank and I was actually going to the bank today anyway to do what they are asking me to do - so £10 for nothing :j
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Mystery shop done, results completed - £10 earned.

    Returned something I bought at the weekend which was a want and not a need - £16.99

    Cheques for kids xmas presents from family paid into bank :j

    Productive day :D
    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
  • Hey IMD - thats a good lunch hour! Well done :T
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