We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

No idea how I got here but need to get out of this place!

Options
1585961636470

Comments

  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Great news re loans, good luck with slush fund. Glad things are finally moving in the right direction for you

    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
  • missrlr
    missrlr Posts: 2,192 Forumite
    Hum, slush fund could be a fight ..... Commuter bike bought though so as of May should reduce day to day costs even further.
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    thanks for keeping me sane x
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    PS Happy Belated Birthday x
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • missrlr
    missrlr Posts: 2,192 Forumite
    Hey NL, you are very welcome and thanks.
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    How lovely for you to be in the position of being able to think about a slush fund, that's really great.

    Hope you had a good weekend missrir, you're long overdue one!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • missrlr
    missrlr Posts: 2,192 Forumite
    Hum, it was hard fought and took a HUGE leap of faith and some serious hard work to get there. I can't quite believe this is the state of affairs.

    DH now wants to stick his slush fund money in premium bonds not a nice safe ISA. I am not impressed but to be honest I am wondering if this is a control thing for me, as I can see the ISA being "DH tamper resistant" whereas the premium bonds I can see being picked at when DH wants a toy.

    We shall see.

    No news on the job front with the exception of a few odd comments from Da Boss Man about interviews, looking smart (cheeky whatsit I always look smart for the office) and actually complimenting me on being (his word) brilliant at my job. Bit of a volte-face there! But hey I will take a compliment any day of the week.

    I wish we could sort all the loans out but the ones with interest are gone and that is the main thing. The mortgage is TERRIFYING and I need to make this a priority and soon. Otherwise we will be facing another stupid loan situation to deal with that one!

    Now off to a bit more work (for a change)
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    There's an article on this site somewhere about Premium Bonds. It's of the opinion that they're not a very good place to earn money as the chances of winning are very low. Fairly sure there's a calculator of the chances of winning there too.
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • missrlr
    missrlr Posts: 2,192 Forumite
    Hi PIq

    Yes I have sent him that link, his argument was I put £1000 in for a year and won £100 (back in the year dot of the dim and distant past) which let's face it is a good return, but it is OLD DATA (God I sound like I am at work and picking someone's data and report apart).

    Oh hum I have to face the trials and tribulations of the Big Smoke today - really need to go fund the ppt I wrote and refresh my memory on that one otherwise it is not going to be a smooth talk I deliver!
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • missrlr
    missrlr Posts: 2,192 Forumite
    Hello all, well crazy busy week done loads of miles worked too hard and for 6 days this week. Spent all today catching up on house and life stuff. Garden looking at bit sorry, have watered everything in sight lots, got 3 lots of washing dried on the line.

    DH has been told he has to cash in his shares .... Another point of discussion for money and where to go .... He wants to save for a new car (as in toy fun not practical) at least I suppose save is a good thing?

    I have to now look to the options and try to help him to come to adenosine decision

    Nose to be put firmly back on the grindstone tomorrow another frantic week but I have Friday off, yippeeee,
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.