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determined to be debtfree!

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  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    oh no thats not good at all dfw xxxx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • slm6002
    slm6002 Posts: 4,396 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Perhaps there are some lovely people on there that would like a job - sure someone must live nearby on here lol
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • OK. Do you think I have stopped reading your posts as I don't post very often.
    You put Good morning ladies and gents. (Bonnington if you're reading).

    Of course I'm reading. :doh:

    I get daily alerts for your posts and read them while I'm having breakfast.

    Sorry to hear about DS1. I hope something gets sorted for him.
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • Just had chance to catch up on your diary. What a busy lady.

    My nephew (age 11)has dyslexia which was only diagnosed 12months ago, he has been given a pieces of coloured plastic (the best way to describe it) to put over anything he needs to read. Once diagnosed and he started to get the extra help he needed he has come on leaps and bounds.

    Hope you can find some tenants from somewhere. xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • bonnington wrote: »
    OK. Do you think I have stopped reading your posts as I don't post very often.
    You put Good morning ladies and gents. (Bonnington if you're reading).

    Of course I'm reading. :doh:

    I get daily alerts for your posts and read them while I'm having breakfast.

    Sorry to hear about DS1. I hope something gets sorted for him.

    :rotfl: sorry consider me told :rotfl::p I haven't spoken to ds1 since he told me the news...........but am taking this as a good thing that he has been busy and perhaps receiving a little more help/ leniency now he's had those tests. Think teachers were pushing him just a little too much in some areas
    slm6002 wrote: »
    Perhaps there are some lovely people on there that would like a job - sure someone must live nearby on here lol


    :T good plan, do you know anyone who lives in Lampeter?? :rotfl:
    abba1772 wrote: »
    oh no thats not good at all dfw xxxx

    I'm going to ask my dad as he still has his rentals there so he must have a way of renting them out. If no joy will get on to the uni. Got a feeling my dad just lets his out to the local Polish people ....had them once before and they completely trashed the place there were about 10 of them living in the smallest 3 bed terrace you can imagine :eek: they did pay the rent. But didn't leave it in good condition at all!
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Just had chance to catch up on your diary. What a busy lady.

    My nephew (age 11)has dyslexia which was only diagnosed 12months ago, he has been given a pieces of coloured plastic (the best way to describe it) to put over anything he needs to read. Once diagnosed and he started to get the extra help he needed he has come on leaps and bounds.

    Hope you can find some tenants from somewhere. xx

    ooooh i'm glad you posted that. i will ask the senco teacher if he can just use coloured plastic once the colour has been diagnosed that he needs :j:T

    :A
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Just a quick post as i've been lazy this morning and been drinking tea & reading on here.......need to get kids & myself dressed and out the door by 9 :D

    Hoping for today to be a NSD

    Need to call Talktalk as my bill for this month hasn't come out yet? and is not pending either?! Bank has £96 left in it........(should have £343 in it *sigh* ) child benefit is due on monday...£47.10 and £20 DD due out. So should have £100 left for payday so will only be short on my balance by £242......am sure i can work that out somehow!

    tried to book optician appointments for easter and the books weren't open for april yet........how organised am I ;) -watch me forget to do it at all now lol

    Anyway better run, be back later i'm sure!
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Morning,

    Hope you managed to get out of the door on time. Ive been just as bad this morning, but that could be to do with the lack of sleep !

    If I burble on about glasses on my diary as I did yesterday then you may remember the opticians ! I will try and remind you !

    Just had a quick look at the SOA, it does look really tight doesn't it and you could definitely do with the rental income. Maybe somebody on here does live in Lampeter !! Could you start a new thread - Help required in Lampeter please !!!!............... You never know !!:rotfl: If not I agree with brizzled the uni may be a good option, I have friends who have used the Uni to organise tenants and its always worked out well for them.

    Oh thanks for the info re Donald Russell the other day, if I decide to make an order I will let you know first. :D
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • Hello!

    Well i've tried to be as MSE as I can regarding all the birthdaysi have coming up (tight wad i know) and I've posted one card with a voucher in (from surveying :money:) and card was out of my box so no expense there :j

    Posted another card (also from box) through friend's door and gave her a box of choc's that i had bought for my sister :rotfl: I figured that my sister could have a voucher & it would save me on postage sending the chocolates anyway :p.

    So i need to get surveying again to top up my vouchers ;) am very pleased though, have had 3 birthdays and not paid a penny towards them :rotfl: although each person will have had £10 each :D and paid £2 for 2 boxes of chocs (half price) for friends round here!

    So NSD today (had a stamp at home too :j) will add to my sig in a mo :cool:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    well done on your nsd.

    i seem to get booted out the surveys about the half way point bit of a bummer really lol xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
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