The path of my life is strewn with cowpats from the devil's own satanic herd.

boredofbeingathome

So projected pay back is now looking at 13 months to be personally and jointly debt free. That is based on two figures now from Martins new budget sheet and the snowball- Also on minimum payback and i have including my hols( no pay )- and i haven't taken into account the extra dosh am hopefully getting from work related stuff- marking, and 1:1 tuition.
Final figures today stand at £13,776. Just got figures off credit expert for outstanding amounts. I am not including a secured loan taken out on Mortgage as that is with the Mortgage payment and i can sort out later. So although figures on first page reflect that- this reflects current stuff if that makes sense.

Wow..:)

Now to sort out Mr.B

Plus 3 days no spends. Good times.

In_Search_Of_Me

Good on ya girl! Go for it!

chevalier

I too would have been spitting feathers, if my OH had signed for a car without discussing it with me. I feel very sorry for you. I am blessed with an OH who just doesn't spend money at all really, he goes to work and comes home, no side trips to the bookies, or the shops or the pub. I am very very lucky.

Of the two of us i was probably the one more likely to have got into debt. But I met him just before I really had any access to it...so was saved LOL

Great news on the debt free front, it is nice to know that there is a maximum time you will be in debt for.

I take it though that you will be debt free in 13 mnths, but mr bob will still be dodo ing on and in debt still?
chev

boredofbeingathome

chevalier wrote: »

I too would have been spitting feathers, if my OH had signed for a car without discussing it with me. I feel very sorry for you. I am blessed with an OH who just doesn't spend money at all really, he goes to work and comes home, no side trips to the bookies, or the shops or the pub. I am very very lucky.

Of the two of us i was probably the one more likely to have got into debt. But I met him just before I really had any access to it...so was saved LOL

Great news on the debt free front, it is nice to know that there is a maximum time you will be in debt for.

I take it though that you will be debt free in 13 mnths, but mr bob will still be dodo ing on and in debt still?
chev

I talked about it on one of my other diaries Chev, my hatred of the car is err..well known:rolleyes:
I must admit he got into a debt spiral really through a mixture of things-tax, not saved for, expenses on credit card - he received monies for this but preferred to not pay it off the card. He had three bank accounts, two business credit cards...Then buying a car.
Our savings were taken to pay off his business account and credit card:o All in one day-whoosh gone!

So that is the plan anyway- to pay off the extra debt taken on and then tackle his.Which also have reduced by then with regular payments. Just got to get him to stick to a budget and i know he is frightened and depressed about it all.He is rubbish at negotiating and I think the problem is also his job, he may lose it if stuff is registered against him and that is also some of the reason he has used cards..he is not very good at tarting or paying off, or playing hard ball with them. Dodo mode is definately full on.

Oh and to cap it all we have a NR mortgage and am in the bad bank as it were now:cool:
Have never missed a payment and only taken one mortgage holiday when DD1 got married. I used to overpay as well and thought that would go in our favour. Oh well, we will have to live with it as we are just about in equity. The Mortgage goes back onto repayment in March so that was also probably one of the reasons..At least more will be coming off the capital..13 years left on it. So when debts are gone i can start making over payments again.

It's a plan at the moment.

I would put my SOA up but i know i have pared it to the bone,but may shave it further yet.. checked everything i can. We are on frugal emergency rations until further notice. So at least this weather is good for something NSD:T

mmm home made bread and lovely corned beef hash, microwave home made jam sponge for tea. Not good for the waist line, but very good for the soul:D

mark55man

boredofbeingathome wrote: »

At least more will be coming off the capital..13 years left on it. So when debts are gone i can start making over payments again.

..snip..

mmm home made bread and lovely corned beef hash, microwave home made jam sponge for tea. Not good for the waist line, but very good for the soul:D

Hi Bob - we are 13 years to go as well - so far to go, but still am paying off over £500 a month capital per month - I am fixed for next 10 years so may be paying a bit more now, but will be comfortable until its almost paid off - so could survive even high interest for the last 3

love the sound of corned beef hash - but too many veggies this neck of the woods

boredofbeingathome

I have decided to pay off an extra £100 a month this year off the capital- it may sound silly but i will earn that from tuition and it will make me feel better. I just want to catch up.We were on a fixed until last June, we pay less on the variable.

Corned beef hash can be made how you want it- tonight, boiled onion, carrots and potatoes- added corned beef and a bit of gravy powder at the end. Salt and pepper to taste..mmmmm

mark55man

overpayments not quite on the agenda - need to clear the cards first before aspiring MFW.

may have to go into work tomorrow - not reallly looking forward to it

heading off now for an early night - will have to be up early to scrape the glaciers of me windscreen

GeorgeUK

Hi Bob, hope you and the family are keeping well.
Just finally managed to catch up with all the new diaries that people have started.

I'm still seeing all the plans that you are putting in place to get rid of the debt. You mentioned that Mr B and yourself had a heart to heart earlier - is there any progress on getting him on the DFW wagon or is he still burying his head from it and hoping you sort it all?

It's good to see that you are still making progress on the debtbusting, but i hope you are keeping a bit aside to pamper yourself and small emergencies. Don't want you relying solely on us for your thrills (and stop thinking about that turnip!!)

boredofbeingathome

GeorgeUK wrote: »

Hi Bob, hope you and the family are keeping well.
Just finally managed to catch up with all the new diaries that people have started.

I'm still seeing all the plans that you are putting in place to get rid of the debt. You mentioned that Mr B and yourself had a heart to heart earlier - is there any progress on getting him on the DFW wagon or is he still burying his head from it and hoping you sort it all?

It's good to see that you are still making progress on the debtbusting, but i hope you are keeping a bit aside to pamper yourself and small emergencies. Don't want you relying solely on us for your thrills (and stop thinking about that turnip!!)

But George- you are my [STRIKE]tHrill[/STRIKE];):eek::rotfl: I am not a pampering kind of girl really:o I like a good book, thrillers preferably, i also like walking..so that about covers it.

I have budgeted for car emergencies, insurance for boiler and a small pot for household stuff. I won't overpay mortgage until i get extra dosh and only for the length of time i am earning that- but it will depend on how things are at the time.

Mr.B wise, well he is talking more-and is on a budget. He did stupidly not realise that online banking shows up spends- so i caught him out last month.;)
I have told him, cash, cash , cash- card at home- budget,budget, budget...i think he may have got the message..Oh and i throw in how much i admire a man who stands up to be counted when it comes to these things. I did mention Pierce Brosnan in the same breath( maybe that bit was a bad idea;))

He has a spends diary- which he has not filled in yet...do you think i should make him strip nikkid and empty his pockets for receipts?:rotfl:

Err on second thoughts nope-may bring up my lovely tea:D:rotfl:

Ellidee

Bob - if you strip him nekkid he may 'bring up' something else ! :rotfl: