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£77,366.35 reasons to be debt free!

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Comments

  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi IMD - I would want to kick his butt too! How annoying! Hope you manage to put together a rescue plan while you await the expenses. has he sent them off yet?
    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
  • Well I have no rescue plan apart from to sell OH but I'm not sure who take on such a financially incapable man!!

    He has finally submitted the expenses but acted as if it was something he did under duress. Now where's the magic wand to magic up some money!

    More sales on ebay and another job lot of stuff to put on arrived last night. A few things need altering/mending but I have got a really good lot which I should make a few hundred on which should help until expenses are paid. Now the fantastic job of getting them photographed, listed. bah.....................

    Got a long run planned for today as a practice for a race in a few weeks - need to get up to about 4 hours on my feet running :eek::eek: Bit scared!!

    Mortgage statement arrived yesterday, only paid £7k off the mortgage last year despite payments of £1600 a month - how annoying but I suppose it's moving in the right direction and I'm now fairly confident we are no longer in negative equity either :j:j

    Mystery shop yesterday as well - got paid £10 and also to spend £10 which was reimbursed. Ended up buying a dress for £20 which was reduced from £75 which I'm going to put on ebay :D

    Right enough gabbing to myself, off to get dressed, iron, post ebay parcels, run for 4 hours, get ready, go out and sleep. Day sorted!
    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
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    edited 6 February 2010 at 4:01PM
    Well I have no rescue plan apart from to sell OH but I'm not sure who take on such a financially incapable man!!

    :rotfl::rotfl::rotfl::rotfl:
    Got a long run planned for today as a practice for a race in a few weeks - need to get up to about 4 hours on my feet running :eek::eek: Bit scared!!

    You have my sincere admiration, you nutter, and I hope that it goes well.

    Many congratulations on the Ebaying as well - you are steaming ahead.

    With regard to OH, he does seem to be coming the financial high and mighty with you quite a bit. Has he had a really good look at the finances this time, or just poo-pooed it away? If so, might I recommend you getting him to sit down and go through the finances properly with you in a non-confrontational manner so you can get it through to him once and for all how things work? It might make your life easier in the long-run. ;)
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    edited 6 February 2010 at 7:07PM
    Actually, faced with a choice between photographing/listing on ebay, and going for a 4 hour run, I am not sure which way I would go :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)
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 6 February 2010 at 9:27PM
    good luck with running and ebay. Hope you manage to get your OH on board - he does sound like he is in denial
    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
    Thank you! The running went well, worn out now and eaten a lot of naughty things but I deserve them :D

    Have done a list for OH for him to keep and look at, bless him, he is a bit useless with organising finances but other than that he is a lovely man and a brilliant dad :o I just think he has never had to deal with money and so has no idea how much a house costs etc

    Off to source some more food :EasterBun
    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    You deserve every delicious calorie :T:T:T
    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)
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    According to my watch I burnt off 2234 calories - haha now how much can I eat..........
    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
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Blimey - there was me feeling like a smug Paula Radcliffe (well, FAT Paula Radcliffe :D) after an hours running - but 4 HOURS!!! You are amazing :A:A:A

    I'm very impressed with the re-selling of the dress too - Alan Sugar eat your heat out! Have a nice evening xx
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    I Thank you :D Am absolutely knackered now though, and it wasn't all running, bit of walking, swearing, eating cake and nasty gels and a bit of running in between......

    I am now liking the dress and wondering whether to keep it.....
    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
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