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  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    hi Happy, I have missed your posts. I have to admit I didn't post for a while because I had nothing positive to say. But it is real life. Awful things get thrown at us. I hope you are okay and that things are starting to improve for you.
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    Hey Happy I am guessing you have been mad busy with helping horses, and ferrying children back to university. HOpe that everything else is vaguely going to plan.
    Good luck with the debt busting for the rest of the year.
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • How are you Mrs H ?
    Hope everything is ok xx
    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi Happy..have been AWOL so sorry about that..hope you're OK.. Pls do check in soon

    Brizzle
    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
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Hello Mrs Happy, hope things are well with you. Look forward to hearing from you soon x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Here I am!

    Sorry I have been awol for so long without explanation. I last logged in on 5th September. At that time the horse was ill, the car had another expensive breakdown, the kids were both off back to uni and I had to lend them money I didn't have because their student finances weren't through. Financially, everything that could go wrong DID go wrong.

    I felt that money had 100% dominated my life for months on end. I wanted to switch off from the problems and just spend my time watching telly, reading books and focussing on something other than £s, to protect my sanity. And that's what I did. I just walked away from my diary.

    Then, over the past couple of weeks, I have felt my sap rising again. I feel ready to tackle the debts head-on and make some impact instead of gazing at the telly and putting it all out of my mind. I'd also started to wonder about how the other diary-keepers and visitors are doing and felt ready to get involved again. I sneeked a peek at some of you and decided I wanted to be part of it all again!

    But while I've been missing in action I have NOT been spending stupidly. My MSE habits are, I think, firmly entrenched now. I continued to live frugally and spend carefully, and when I finally updated my signature yesterday, the debts have actually reduced slightly, all on their own without any input from me!

    Sooooo....... Signature updated, slow-cooker running. GAME ON!
    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 £22,332
  • Morning Happy, this will sound really weird but I was thinking about you before I went to sleep last night.

    Glad to see you back and hope all goes well with your renewed vim and vigour.

    Best wishes Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    Glad to see you back. We all have our dramas, and sometimes need to step back. Still you sound like you are all recharged now!

    Could you remind me again why a DMP wasn't a good idea for you?
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Nice to see you back :)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Mrs Happy how lovely to see you !

    Totally understand where you are coming from, I also needed to disappear for a bit and concentrate on other things. It didnt take long to feel the need to tackle everything again head on and get back on the diaries. Maybe it was the time of year or that we all started at a similar time and were a bit drained by it all.

    Anyway many of us are back and I am so glad to see you.

    Keep plodding, signature looking good x :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
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