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  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Grr. I just wrote a really long post detailing my Christmas budget and it all disappeared when I pressed submit. It's 4am so it can wait until tomorrow now!
    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi Happy...hadnt clicked you were back..still doing the 4am shift I see:rotfl:

    Hope to see that post again 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
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Just saw that you made £89 on ebay.Well done! You wouldn't have been doing this a couple of years ago. Keep up the good work.
    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".
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Hello Mrs H, glad to see you are back and ok. I totally understand about needing to get away from it all. I disappeared for a bit too, mainly due to lack of time but also due to lack of wanting to think about my lack of money. Back on track now but probably going to take me a while to get used to posting regularly again.

    Granny 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
    Fanfare please.......

    As of today, I actually owe less than one eighth of a million pounds :rotfl::D:rotfl:

    Still quite a lot then!
    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
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Hurray! Go Happy :D xx
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yippee, well done.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Hi HappyNow,

    Just been reading your MSE journey since last January. Hope you haven't forgotten that you cut up Christmas cards in January to use as tags for this Christmas?. Though I ought ot remind you as you thought you might forget :):):).

    I have subscribed to see you on your journey. I too have not totally enlightened hubby on our situation. He knows we are in debt and we have to budget carefully, but he seems happy not knowing the full details, and I am happy not to tell him :). I am the spender usually anyway, no him.

    I look forward to joining you through 2013 to see how you get on.

    Merry Christmas xx
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Go Happy, go :D

    images?q=tbn:ANd9GcSVZckwUU21sF4_UtmITcel1C5zMDBw42nfLmP3GM7ZuPIlp1M3

    Granny 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
    Thanks for the messages!

    Steph - I had completely forgotten my gift tags (as expected) BUT, thanks to your reminder, I have now located them and they are very, very pretty and so much better than shop-bought ones. Thanks for reading and I'm pleased you will be joining me for 2013. It's going to be quite the year for both of us!:)

    Well, Master Happy is now home from uni and has NOT lost his appetite while he's been away. Little Miss Happy was due home today but phoned to say she's been offered 8 hours work today (she has a part-time job in the local supermarket) and couldn't turn that down so will travel home tomorrow instead.

    It's been a spendy day. The tenant of our rental house reported a few repairs that needed doing. We've been there most of the day and had to buy a new extractor fan for the kitchen and some tools/parts to repair faulty taps, totalling £95. There was also a slate loose on the roof and Mr H couldn't do that himself so we had to buy a roofer-man. It only took him half an hour, but I bet the bill is around £60-£70. We could have done without the expense so close to Christmas, but it's important to look after good tenants, and she is really nice, always pays the rent on time and keeps the house clean and tidy.

    So it's been quite a stressful day and as a result I am now half-way down a bottle of the cheap wine I bought during the last Tesco 25% off deal. Apologies for my spelling/grammar/punctuation but it's 13% abv and I'm rather out of practice :o! Off for a lie-down now......:)
    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
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