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determined to be debtfree!

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  • Wine? But of course. :D

    As for the letter, sounds good but a little bit patchy if that sounds right, took me 2 reads to follow it. Will try to have a proper look in a min and be more constructive.
    You have to start to finish.

    LBM - September 2011 ~ DEBT FREE July 2012
    Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
    VSP Challenge #69: £18.12
  • YEP that's what i was worried about, but I had to stop myself using the F word in every other word :( grrrrrrrrrrr! Not a good letter writer when p!ssed off! oops! If i've missed anything let me know i'll send another lol
    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
  • lol me too. I normally wait a while, or get myself in trouble.

    Have you sent that one? Or not yet?
    You have to start to finish.

    LBM - September 2011 ~ DEBT FREE July 2012
    Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
    VSP Challenge #69: £18.12
  • lol me too. I normally wait a while, or get myself in trouble.

    Have you sent that one? Or not yet?
    :rotfl:me too in the waiting till i calm down. but nope i sent it already this time ... :D And i really did want to just say, 'listen up you *&^% wits, what the %^&(&^% *&^%^% &^&^^ **&&^^% do i pay you for you &&^%%$ **&^^%^%'
    Insert your own expletives as required :D
    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
  • I think you need to take some deep breaths and try to release the anger and stress.

    Is there you do to help relieve stress? Maybe soothing music or something which is free.

    I know it's annoying and I would be annoyed also.
    Just think when the property is finished how lovely it will look for new tenants. :D
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • yellow3
    yellow3 Posts: 340 Forumite
    Hi dfw
    Sorry about the mess with the tenants, why would anyone treat a house like that? It beggars belief!
    Hope you get it sorted at minimal cost.

    Yellow x
    LBM 14/9/11. Aqua paid off!
    Capital one [STRIKE]434.00[/STRIKE] 193.70
    Vanquis [STRIKE]1122.36[/STRIKE] 1112.21
    Loan [STRIKE]16505.36[/STRIKE] 15,780.27
    total...[STRIKE]18,492.00[/STRIKE] [STRIKE]18,061.72 [/STRIKE] 17,095.18:eek:
  • bonnington wrote: »
    I think you need to take some deep breaths and try to release the anger and stress.

    Is there you do to help relieve stress? Maybe soothing music or something which is free.

    I know it's annoying and I would be annoyed also.
    Just think when the property is finished how lovely it will look for new tenants. :D

    Thank you bonnington, I've calmed down this morning, i'm a picture of serenity (honest :D) I went to bed and tried to meditate, i used to do this a few years back and it really helped. Unfortunately not having practised in years and my ruined house together, did not mix! :rotfl:I do feel better today though, even after my hashed letter to the management agency :rotfl:

    I may see if dad can find tenants. If not I will let them do that and I will state I want NO PETS this time :D!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    And yep funnily enough this morning i woke up and thought, well if all else fails the house will look wonderful for a wee while!!!
    yellow3 wrote: »
    Hi dfw
    Sorry about the mess with the tenants, why would anyone treat a house like that? It beggars belief!
    Hope you get it sorted at minimal cost.

    Yellow x
    :wave: hi yellow, thanks for popping in :) I suppose because I personally would never ever treat a house like that I just don't understand when tenants do this to me. BUT i guess, unfortunately, the world has all sorts in it, therefore I just need to keep a better eye on my next lot ;)

    dfw x
    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
  • Friday

    :jyey!! It's the end of the week!!!

    Am up, dressed, tea in hand, and ready for a new day! Already have my second wash on of the day, and the dishwasher is on, kitchen sides scrubbed and bins out for the bin men :T my energy has returned, and with it a better attitude :)!

    Am intrigued to see if the management team ring me or email me today regarding my letter last night :rotfl: I'm not really in the mood for phone calls though so today I am having a mobile free day. Will switch it off when I can find it! I like to do this every now and then for a little peace. The house phone, well that is a cordless one that I can never find anyway as the kids like to move it around :p and when I do find it the battery is usually dead so that should be fine too :rotfl:

    Today's plans are:
    • Drop DD of to nursery
    • hoover downstairs, mop kitchen
    • Go back to nursery and have school pics taken with the two kids
    • Home for the day
    • Make some sort of list of food so i can do minimal shop next week.
    I just checked the bank and i have 24£ left. :eek:! There is a £20 dd due out on monday and there is also £46 due in from child benefit. So after that is paid out I will have around £30 left for the week!!! Must check diary and see if i have anything else due ....I may have to pass up brekkie next week. Unless I eat before I go then I can just have the free tea & biscuits lol and still catch up with mates. Can't believe I have 2 and half weeks and a half term to get through yet without any money :eek: OH and the break away :cool: must think of a clever cunning plan to afford this & for the house to be done :T

    Right off to get kids ready to go out for nursery run. And to enjoy my tea whilst it is still warm :rotfl:

    dfw
    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
  • oh oh oh and must have a nsd too!!!
    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
  • stripes
    stripes Posts: 323 Forumite
    The letter rocked!
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