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  • downsizer3
    downsizer3 Posts: 683 Forumite
    Its signature update day as I've paid off more of these pesky debts. Only £300 left on my card - :j Two months to go!!
    The payback to tax credits is a longer slog but I'll feel better when I get it below £1500 - a more manageable figure!!
    3 months till I get that mortgage to start with a 2 instead of a 3 - another milestone looms! :money:
    Quality of life hasn't suffered really although its a struggle some months and my clothes are looking tatty. Childcare is still the most painful outlay at just below £800 pm - I could cut that down massively but its still the right thing to do just now and DD is well looked after whilst I slog away at work ( she says coming on MSE at work).
    Still lovely and sunny here - praying it keeps till next week as we're away on hols :D
    May 2018 - £159k + £3.5K CC - let the countdown begin! :)
    March 2019 - CC gone and bye bye M2 on 31st! £140k to go.:j
  • downsizer3
    downsizer3 Posts: 683 Forumite
    Last day of work before my hols and stress levels rising - why does it get busy just before you go?
    No idea what weather to pack for but if thats all I have to worry about thats pretty good!:beer:
    May 2018 - £159k + £3.5K CC - let the countdown begin! :)
    March 2019 - CC gone and bye bye M2 on 31st! £140k to go.:j
  • downsizer3
    downsizer3 Posts: 683 Forumite
    Thats my holiday over but still in the black so thats good-just as well really - its only the 10th afterall!
    No big changes - insurance have paid out for chimney so we'll have that done and dusted soon thank goodness.
    I've been horrified by food / supermarket costs recently. I don't know if I'm just spending too much or its still going up - either way I need to reign it in. Just as well I'm on a post holiday diet.......;)
    May 2018 - £159k + £3.5K CC - let the countdown begin! :)
    March 2019 - CC gone and bye bye M2 on 31st! £140k to go.:j
  • downsizer3
    downsizer3 Posts: 683 Forumite
    Next month it'll be a year since I moved in. Been OPing since the start and card nearly paid off so thats the removal costs etc all gone. Not bad eh? :A
    Looking at high interest accounts for savings when they start in June - not sure whats best but I would rather use instant access until I get to about £2000 then the other £4000 into a 30 day account or something. I don't like not having anthing I can get my hands on quickly just in case.
    My daughters savings account is rubbish in terms of interest so I'm going to sort that too. Time to get these savings back to where they were before I hooked up with disaster-man!! ;)
    Is that a light I see at the end of the tunnel?...........
    May 2018 - £159k + £3.5K CC - let the countdown begin! :)
    March 2019 - CC gone and bye bye M2 on 31st! £140k to go.:j
  • downsizer3
    downsizer3 Posts: 683 Forumite
    My run of bad luck continues - I got burgled at the weekend. They didn't make a mess - just grabbed the telly and laptop really - a bit of a root about but I'm just glad I wasn't in and that they didn't trash the place.
    More expense coming in terms of Fort Knox-type measures coming. Jeeze.
    Another day another insurance claim. I daren't think what my next premium will be like. :(
    May 2018 - £159k + £3.5K CC - let the countdown begin! :)
    March 2019 - CC gone and bye bye M2 on 31st! £140k to go.:j
  • Weronika
    Weronika Posts: 260 Forumite
    So sorry to hear that!
    at least it wasn't trashed!
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

     From March 2012: Mortgage OP: £160 pcm     (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • downsizer3
    downsizer3 Posts: 683 Forumite
    Yes - am really glad they didn't do the place over - something to be greatful for.
    Just realised I'd taken out extended warranty on TV and new softwear on computer - bah. :mad:
    Hey ho - I might get a wee bit bigger telly though - could never read subtitles on the last one.............;)

    Thrifty - hope you're ok out there - you've been very quiet! Must be all that overtime?
    May 2018 - £159k + £3.5K CC - let the countdown begin! :)
    March 2019 - CC gone and bye bye M2 on 31st! £140k to go.:j
  • downsizer3
    downsizer3 Posts: 683 Forumite
    Once upon a time I thought that having a £100k mortgage was nothing to worry about and was happy enough moving up the property ladder with increasing mortgages.
    These days my life seems much less certain. Mid 40s and my business has scratched its way through the past 4 years - just. We're here as long as we can manage to do that or one of us has had enough and tomorrow we're having that annual meeting where we discuss all that and whether we carry on. Urgh. I want to carry on - I need another year to pay off this tax credit OP and get my savings up to where they should be. So - fingers crossed no-one throws in the towel. :sad:
    If I can make it as far as 2016 I'll have no mortgage and then I can think about where I go from here work-wise ( I realise that I don't really want to be doing this in 10 years time). So thats my date to hold on to but its one year at a time.
    Changed days. Where did the security go eh?
    May 2018 - £159k + £3.5K CC - let the countdown begin! :)
    March 2019 - CC gone and bye bye M2 on 31st! £140k to go.:j
  • gollygosh
    gollygosh Posts: 183 Forumite
    Part of the Furniture 100 Posts
    I don't post very often but wanted to let you know I'm watching and a big thumbs up for the continued hard work & good luck with the 2016 target.
    Time, Tide and Diarrhoea wait for no man. ;)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I'll join you on your 2016 quest hon - I'm aiming for Aug 2016. Only 141k to go :rotfl:
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
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