postie's been!

Emmzi

So I now have my debt settlement figures which are...

Fixed loan £10,375.64
Flexible loan £9.636.31

Total = 20,071.95

After next payday, savings will exceed loans. (I am about £600 short).

All I need now is a new contract starting September. Then I will feel confident enough to pay off fixed loan, have some emergency fund, and start chucking cash at the flexible loan.

Ohhhh I want a new job!!!!

I also want to not be too scared to pay off fixed loan now but I am! Still - 2 interviews in the next 4 weeks lined up. Surely one will work out??

Emmzi

..and right after I hit 'post' I felt sick, wondering what the hell I have to show for 20 grand? Even worse, it started at 30!!!! Surely I should have a swimming pool???

CosmoCat

emmzi

fingers crossed for you hon! i'm sure like you are, that something will work out. i'm very proud of you that you've saved so much and can afford to be debt free. i'm sure that job will come along.

what do you do anyway if you don't mind me asking?

CosmoCat

Emmzi wrote:

..and right after I hit 'post' I felt sick, wondering what the hell I have to show for 20 grand? Even worse, it started at 30!!!! Surely I should have a swimming pool???

don't you dare do that to yourself! you've got the fact that you had the wherewithall to stick to a plan and save all that money. you want to compare that with my £11.76 savings, that should make you feel better:p

now stop it

Emmzi

well if you want a laugh, I used to be a bank manager!!!

now I do specialised consultancy - won't say what cos that'd identify me a bit too easily!

Broken_hearted

It doesn't matter what it was spent on. What matters is its paid off. I could have paid off my mortgage twice over on the amount I have wasted on junk now I can't even afford to repaint the damn thing.

CosmoCat

well my postie's just been and he didn't even bring word from a&l about my new account (sent off the papers on monday!)

oh well, at least i can read my sainsbury's magazine

ozzyfan_2

Hi Emmzi

so impressed that you have managed all those savings! how long has it taken you? really well done! :j

hope that one of the 2 interviews leads to a new job for you, you never know you may get offered both of the jobs!

xx

Emmzi

Broken_hearted wrote:

It doesn't matter what it was spent on. What matters is its paid off. I could have paid off my mortgage twice over on the amount I have wasted on junk now I can't even afford to repaint the damn thing.

Good to know it's not just me...

Emmzi

melabarrie wrote:

well my postie's just been and he didn't even bring word from a&l about my new account (sent off the papers on monday!)

oh well, at least i can read my sainsbury's magazine

Any vouchers?

kickingkay

Emmzi wrote:

So I now have my debt settlement figures which are...

Fixed loan £10,375.64
Flexible loan £9.636.31

Total = 20,071.95

After next payday, savings will exceed loans. (I am about £600 short).

All I need now is a new contract starting September. Then I will feel confident enough to pay off fixed loan, have some emergency fund, and start chucking cash at the flexible loan.

Ohhhh I want a new job!!!!

I also want to not be too scared to pay off fixed loan now but I am! Still - 2 interviews in the next 4 weeks lined up. Surely one will work out??

hi Emz
how have you managed to have savings and still have high debts, sorry dont want to sound rude but i have 80k in debts adn im too scared to save incase they take it not that 50 a month (from food budget) is much but, if you have been able to save and make payments???? then it gives me a bit more hope
thnaks
klare