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This debt must go

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  • Cheery_Daff
    Cheery_Daff Posts: 17,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I can beat you both added together with 26 years to get the bedroom ceiling plastered :eek: it's been just botched plasterboard all this time! :eek: :rotfl:
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Sounds great...well done on getting those niggling jobs done and the 'in the black' experience :)
    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
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I can beat you both added together with 26 years to get the bedroom ceiling plastered :eek: it's been just botched plasterboard all this time! :eek: :rotfl:

    :eek: Cheery!

    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Morning all. Thank you for all the encouragement re paying off my overdraft. I've been keeping a close eye on finances recently and as DH got quite a lot of overtime it looks like we may be be able to pay off the joint account overdraft this month too. :T

    We will have to wait til the beginning of next month though to see if it's still in the black when all the monthly direct debits come out. I don't want to get too excited just in case but it's looking pretty good at this point. As long as I haven't just jinxed it :eek:
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    A productive morning has produced a batch of Twink's hobnobs. Wonder how long they will last???
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    I'll just pop over the bridge and swop you a HM peanut cookie or two:)

    With the weather like it is, I figure that cooking is a productive way to achieve something
    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
  • Cheery_Daff
    Cheery_Daff Posts: 17,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Probably about 5 mins in this house starnac! :o :rotfl:

    So excited at you being able to pay off other overdraft too! :j :j is that you debt free then?! :j :j good long way towards it at least, well done :)

    Yep, we are finaly havong the ceiling plastered this coming week :j Problem is there's a floor missing in the middle and the roof slopes up so it needs scaffolding. Had a quote a few years back but they wanted over £1000 and it just never go to the top of the priority list... :o However, now we're planning to move, it looks dreadful and a pain to fix so is likely to put people off, so it's one of the few things I'm paying someone else to do! :)
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    brizzledfw wrote: »
    I'll just pop over the bridge and swop you a HM peanut cookie or two:)

    With the weather like it is, I figure that cooking is a productive way to achieve something

    Ooh I'd definitely swap for a HM peanut cookie thank you. ;)

    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi Cheery that would just leave us with DH's overdraft and then that's it :T

    Bar mortgage :o but let's not count that just yet :rotfl:

    That ceiling sounds like a right palaver! No wonder you were quoted silly money. Hope it's worth it when it's done. Are you replacing the floor too? Or is it supposed to be missing? Some fancy design feature?
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • Cheery_Daff
    Cheery_Daff Posts: 17,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Mr Cheery's fancy design idea... :D When they first moved in 26 years ago, there we two attic rooms. One is still there, nice big room with window and skylight :) Other was tiny storage space with a door into it but no window. So he (and a builder!) took out half of the floor of that room to turn it into a mezzanine platform thingy sitting over the main bedroom, and put a giant skylight over it, and that's where we sleep, staring up at the stars and gloriously oblivious of the mess below :D they put insulation and plasterboard on the ceiling (which had just been the roof before, but for some baffling reason relationships broke down with the builder and the plastering never got done...

    It looks a right old mess, and didn't make for a brilliant view from the bed... :rotfl: but as I say, never felt like a priority. Today of course the damn roof is leaking agin so we've spent several hours trying to dry the boards out so they can plaster over them, and figure out how the water is getting in.

    I'd show you but I've never yet managed to take a photo showing what it actually looks like! :rotfl:

    Anyway, sorry, waffling on your thread :o GREAT news about only having DH's overdraft left (of COURSE the mortgge doesn't count!) :j :j :j
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