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Pinot's Potty debt free journey!!!
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:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
Sorry to bore everyone today with my numerous posts......but I'm sooooo happy !!!
MBNA card number 2, who initially offered us £357 in refunded charges despite us asking for £962 have just responded with their final offer after my rejection and request for them to reconsider !!!!
£2206.29 in addition to the £357.53 = Total of £2563.82 !!! :beer:
As this account has not been defaulted yet this amount will be refunded back onto our card !!! I will duly update my signature as and when this happens !!
:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:jLBM 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 4280 -
Blimey, that was fast work, they've refunded the card already !:beer:
Signature updated !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 4280 -
Pinot that is amazing....well done to you.
:):):):):):) that was a quick refund !!!!
You were talking about yesterday being Ash Wednesday and it is 'Fast day' which is I'm sure you know eating no meat and just breakfast lunch and Dinner.
Youngest son 6ft baby I call him really found it very difficult this year. He usually comes home and grazes:):) until bedtime. He went to bed starving at 11 and I told him to get up after 12 and eat something, which he vowed to do.:):) He fell asleep and wasn't overly hungry this morning!!!! Then I gave him a lecture 'think of all the kids who go to bed every night hungry'.
There are only 2 Fast days in the year and Good Friday is the next, so its not that much to do really. Makes you realise how much food we really eat and we don't need it. Well I don't anyways!!!!"You are never too old to set another goal or to dream a new dream"C. S. Lewis
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WOW excellent news Pinot
really happy for you
!!!! And your signature is looking good
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
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oh and i love all your posts, it makes me feel better about all mine
i think you and I could talk each other to death lmao, neither letting the other have the last word :rotfl:
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
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Oh that's fantastic news!!! :T:T:T:T:T:T:T:T:T
:beer::j:beer::j:beer::j
Right, expect a PM from me in the next few days lmaoOur LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568
Oct 2012 = Current debt: £40,548.93
Oct 2013 = Current debt: £39.054.70
DMP Support number 424 - Long haul number 3080 -
Wow PG..well it was a fast turnaround from the gloom of about 10:30am to the MBNA post at lunchtime!! Great stuff. Brilliant news!!
EbayQueen - yes its a good idea to have days when you don't just stuff yourself with food. (I should do more of it!) PG - Pancake Day is Shrove Tuesday - using up all the eggs, diary etc before the Lent fast starts on Ash Wednesday... its based on the church calendar so moves about..I usually get caught out too!!
brizzleMFiT-T4 Member No. 96 - 2022 is my MF goal
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::T0 -
Hello Mrs P,
Just caught up on your diary, thanks for popping in on mine
Sorry dinner the other night was rank, I hope you've managed to get rid of the fishy smell now lol.
Fantastic news about the refund, your signature is looking great.
Glad DD didn't mind about you not going to hear her sing, what a nice thing for her to say.
Off to get my DD from Rainbows in a minute.xx0 -
Oh wow, congratulations!! Your sig is looking SO SO good now! That must be a real lift to the spirits.
Pain about the parking fine, keep fighting it. I got one a few months ago, fought it and eventually won. I get a parking permit through work, but when my new road tax disc came Mr Happy (see how it's his fault again?!) accidentally put it in my parking permit holder rather than in the tax disc holder. So I was displaying two tax discs (one out of date) but no permit, and I just didn't notice. Even though all their paperwork showed that I had a valid, paid-for permit and it was obvious what had happened, they still insisted on fining me. It took three months and a letter to the Chief Exec, but I eventually won, so persevere.LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!
Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,3320 -
Well, you certainly kept us in suspense about the outcome of last night's dinner.
Sorry it didn't work out too well. Do you hate your cat then? Nobody liked it so try and feed it to the cat. :rotfl::D:D:D:D :j:j:j:j:j:j:j :T:T:T:T:T:T:T
What wonderful news on the MBNA front. I'm really happy for you. It's such good news and a great leap forward for you.
:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:jJune 16 Mortgage Amount £82,896.15
Official mortgage end date August 2027
Current rate 2.59% until August 20200
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