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When I asked for luck I didn't mean the bad variety!!!

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  • First drumroll ......

    This morning i paid the last £90 to Bcard, meaning it's now not only a zero balance, but I've avoided paying any interest before the 0% runs out :j:j:j

    Second drumroll .......

    Debt calculations done for the month and I'm in the 3's :j:j:j

    Third drumroll ..........

    Once the usual payment goes out to S@nt@nder card in 2 days time, I will have officially cleared £20k of our debts :j:j:j

    Simply Amazing! Go you!!! :j:j:j:j:j:T:T:T:beer:
    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
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Fantastic drum roll news there, you rock Lucky :) 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
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,124 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Absolutely amazing Lucky - go you!:j:j:j


    Fortune x
  • liltdiddylilt
    liltdiddylilt Posts: 4,118 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Oh my goodness gracious me. I do genuinely wonder how you do it every time I come on here. To juggle so much in your life and still pay off debts? All I can say is that once you've paid off this last bit, you're going to be rolling in it!!! Imagine your savings! And the trips the kids could go on worry-free? :) You really deserve the world Lucky. I hope someone comes along and hands it over soon.

    And ref weight loss and losing 3 more stones, you're almost halfway there then eh! The reason I asked about staying for the class was that it is most of my mums social life too and she gets a lot out of it, and the weight loss forums on Facebook related to SW as well. It's the first diet she has ever reach her goal on and stuck at the diet after she has reached it. Very proud of her. I wish I had the time to cook the right meals and buy the correct stuff, let alone the willpower. How you fit it in is beyond me!

    And thank you for the words of wisdom on potty training. My mum bangs on at me week in week out since she was 18 months old that that was when I and all my sister were potty trained from and all got it within a few weeks. My mum-in-law sees it as a personal affront that I would dare to potty train her now, since she didn't bother with Him til he was 3 and a half. Rock & hard place somewhat. She will do it all in her own time. She only just decided that she wanted to feed herself with a spoon/fork etc in the last 2 weeks (She was 2 in April!) - little monster!

    Off to wipe the dust off my own diary. Hugs!

    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • Aw shucks, thanks everyone! I'm allowing myself to be proud of me :D:o.

    Lilt, I said the same thing to DH about how much better life will be when the debt is gone and we can take the kiddies on more adventures! Can't wait!

    I also can't sleep though, hence being on here. DH is VERY jerky in his sleep and a seizure wouldn't surprise me. He was just saying before bed that it's been 8 weeks today/tomorrow since his last full seizure, which is the longest we've gone in a very long time. He has a tick sheet for taking his medication and he marks any seizures on there too. Hope he hasn't jinxed it by daring to be pleased to get to 8 weeks!

    So today (yesterday), the sun had his hat on and when we collected DS1 from school, the four of us headed to the beach! Fab afternoon had by all and it would have been a NSD had I not bought the kids an ice cream each. I love sunny days and free activities :cool:.
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • mary_hinge
    mary_hinge Posts: 1,585 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Plmbl you are amazeballs :T
    Living in a superhero induced haze :A:A
    "You did good Kidda!" :D
  • Aw thanks Mrs H!! You are too Xx

    Managed the night without a full seizure but I'm shattered today. Did food shopping this morning and then took DH to the tattooists to see if what he wants is possible - it is, for about £500 :eek:. It'll be a long work in progress while he waits for every birthday and Christmas to get a wee bit more done at a time!

    He's upset today though. He had some photos on his phone that he took for my Mum for an insurance claim (she's had a leak in the roof). He took them about 3 months ago and was supposed to save them for her, but he's since deleted them to make room on his phone because he'd forgotten he was supposed to save them :(.
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hey PLMBL :wave:

    You're doing well..juggling everything and paying off stonking amounts of debt! Well done and enjoy your sunny days

    Hope OH gets to 9 weeks! :)
    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
  • LINKYPIE2009
    LINKYPIE2009 Posts: 322 Forumite
    Part of the Furniture Photogenic
    Hey Lucky,

    Just a thought re photos - some smartphones automatically transfer photos to a pc if it is plugegd in (ie iphone/itunes) is this maybe an option?

    Hugs xx

    Linkypie
    x
  • Cheers Linky, we've already checked the computer but no joy there either. Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
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