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Living for the Present...after all who doesn't love a gift!

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  • Afternoon!

    What a busy morning! Have done 3 washes (whilst the sun is shining!!) and painted 2 chairs. I'm covered in paint, almost as much as went on the chairs. Standard for me :rotfl:.

    We received a phone call from DH 's mum last night concerning the inheritance and it should hit his account this week :T it's for approximately £6,000 :j:j:j:j Our debt is £8.500 and I am wondering if I can offer a few full and finals to get rid of everything. There is no harm in trying right? And if they say no then I am still nearer to paying it off than without the money :T I reckon we will be debt-free with this by 2014 :beer: What an exciting prospect :j DH is fully on-board for paying off the debt! And I need to get it out of his account as soon as it lands really as although he's on board right now once he sees it I'm not sure he will be feeling the same way :eek: I expect he will want to go on a spend spree ;)....however my bank account is still suspended on my phone bank app, will try the one on the computer in a mo see if it lets me log on !

    I have 4 washes to sort out and put away after i've had some lunch and I'm waiting in for a delivery which should have been here by 1pm....hmm.....I also need to go to the farm shop as we're out of fresh stuff!

    DS1 is at a cricket match in Chelmsford today as a special treat from the school (not quite sure he deserves it with his current attitude but it was free so I let him go!)

    I want the money to land in DH's account so we can sort paying people off! I might post on the main DFW boards and see what success people have had with offering F&F with the creditors we have?! :)
    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
  • Brilliant news about the inheritance! Lovely sum. Good luck with the F&F's Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Thanks Plmbl! It would be fab if we could get rid of everything with that money :D
    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
  • Mara_uk7
    Mara_uk7 Posts: 1,219 Forumite
    Seventh Anniversary Debt-free and Proud!
    What a fantastic windfall, Will make such a difference to your DF date ! Maybe spend a little on a bottle of something nice so you can raise a glass to MIL :D
    Its just a bad day, Not a bad life .. :cool:
  • Thanks Mara :) i'm so excited but at the same time I feel awful because it was DH's grandad that had to pass for us to receive this :( !

    I forgot to add that I made £100 from ebay sales from our furniture (sales were £200 but we split everything down the middle :D )
    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
  • If anyone can help/offer words of wisdom....please do :)
    https://forums.moneysavingexpert.com/discussion/4681099
    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
  • Brilliant news, hopefully you will get everything paid off and then can enjoy your debt free life.
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    If anyone can help/offer words of wisdom....please do :)
    https://forums.moneysavingexpert.com/discussion/4681099

    Fab news ! :T

    I will PM you about the F&F but I am by no means an expert .

    It will probably be tomorrow now though x
    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
  • Thanks Penny & Mrs P :)

    Well I had some spends today but all budgeted for from food fund for fresh stuff :) hopefully it will last a while! I bought enough stuff so I hope so :eek:! Catch up t.v and bed for me, am feeling dizzy and tired! Hope everyone is 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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    FABULOOOOOOS NEWS DFW! Great. How exciting! Am not surprised you are tired and dizzy. Very exciting.



    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
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