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40 and Foolish!

1156157159161162230

Comments

  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    I checked it, but you have to know people's emails to add them as friends
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    another £200 off the taxes, while waiting for the stock sale money to come in
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Well done, that's serious selling
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    I am aiming to clear the whole thing except mortgage and car in 24 months. let's see if I can
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Am sure you can!! You go girl!! :-)
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • bast
    bast Posts: 448 Forumite
    edited 4 February 2013 at 11:45PM
    Although it is entirely up to you what you do.. The stress of having THEM on your back must be awful so I would sell the jewellery ... When I had my little breakdown (lol) I went a tad insane and tidied all my beautiful jewellery away.. Well I thought I had.. instead I managed to chuck all the boxes with all the jewellery still in them in the bin ... everything gone: Including an antique ring that my grandmother`s mother in law had given to her just before she died... Now I can never get that back, they just dont make them like that. So I got the insurance and found the nicest ring I could find and gave it to my daughter... She still has it after nearly six years and loves it.. Now I know that my lovely nan would be so happy at that.. Things are only things stress is a killer.. Hope that helps with your decision :) x

    Ps The reason why I told the story is I chewed myself up for so long over losing that ring but in the end it was just a ring.. x
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Well done on the payment to THEM and good luck with your 2 year target, you can do it and we'll all be right behind you cheering you on.

    Hope you've had a good day today

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • I'm absolutely certain you can do it! Go NewLeaf.

    Fortune x
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    bast wrote: »
    Although it is entirely up to you what you do.. The stress of having THEM on your back must be awful so I would sell the jewellery ... When I had my little breakdown (lol) I went a tad insane and tidied all my beautiful jewellery away.. Well I thought I had.. instead I managed to chuck all the boxes with all the jewellery still in them in the bin ... everything gone: Including an antique ring that my grandmother`s mother in law had given to her just before she died... Now I can never get that back, they just dont make them like that. So I got the insurance and found the nicest ring I could find and gave it to my daughter... She still has it after nearly six years and loves it.. Now I know that my lovely nan would be so happy at that.. Things are only things stress is a killer.. Hope that helps with your decision :) x

    Ps The reason why I told the story is I chewed myself up for so long over losing that ring but in the end it was just a ring.. x

    The jewellery is for sale at the moment, but until it sells, I have sold stock, used savings and sold stuff on fleabay to at least make some inroads x
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    After the tax is out of the way (ha) to clear the rest of our debt in 24 months I will have to pay £1900 to it monthly. This will be helped along by any bonuses either OH or I get. It is a LOT of money and feels overwhelming but I intend to give it my 100% best shot. I am going to call around and get my totals updated today
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
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