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

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  • Fab news dfw, well done.:j
    But please don't leave us..........we'll miss you. xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wonderful news - congratulations i am so pleased for you :) Now no spending to celebrate as we dont want you falling off the wagon :) Well a bottle of wine and some choc may be allowed lol
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    :j:jWow that is amaing news! Well done! Congratulations!:beer::j:j
    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".
  • :T:T:T:T:T:T:Tcongratulations! :T:T:T:T:T:T:T:T

    That is amazing!!! It must be a wonderful feeling making that final payment! I hope you are proud of yourself? You have done so well!!!! :beer::beer:

    Crack open the bubbly! (make sure it's on offer obviously!) :rotfl:

    hugs
    C-R xxxxx
    Debts @ LBM (May 2013): £25,250.27 | Debt Free: May 2015 :j:j
  • Fudgefund
    Fudgefund Posts: 394 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    I'm still only half way through your diary, but I saw your news on PLMBL's thread and I had to drop by to say congratulations! :j

    Must be amazing. You're an inspiration. :T
    Barclaycard [STRIKE] £2770 [/STRIKE] now £2690.
    O/D £500. Weight loss: 12/28lbs :o Savings owed [STRIKE] £3000 [/STRIKE] now £2250 :( Total debt: [STRIKE] £6760 [/STRIKE] now £5440
  • :j:j:j Thank you for stopping by everyone :j:j:j I still feel like this :D even though the celebratory chinese cost £42 :eek::eek::eek: was not impressed with that :cool:!

    Yesterday morning was spent stocking the freezer with meat, we found a new butchers that we hadn't used yet and very local to ds1 new school so we spent £115 buying all the meat for the month (let's hope it lasts now :cool:) Then we went to the co-op to buy fish & herbs as a1di doesn't sell the ones we like.

    After spending the afternoon lazing about at the river we decided to get a late afternoon walk in. 10 minutes in and Duke finds a blo0dy wasps nest! I got stung twice, ds2 once, duke at least 5 times :( what an awful end to a lovely day!!! After rushing back to the car and taking some anti-histamines (we gave the dog half too!) we went home for the extortionately priced chinese :rotfl: walks along picturesque sussex rivers could only ever end like that for ME :eek::rotfl:. So today is being spent indoors (and garden weather permitting) chilling out ;) I'm still feeling overly delicate anyway especially now I have a rather itchy sting on my buttock :rotfl:

    I hope everyone is ok......2 days left to the new school term (and counting ;))!!

    I'm debating starting a new diary, for my new chapter :T oh and on the DH job front I think I may have talked him into staying until at least Christmas without handing notice in ...when he went to do it last week the system was down so his snr's wouldn't allow him to do it (:T:T:beer: ;)) and as he's away for 2 weeks from tomorrow he will only have 2 weeks in September to do it in which case I need to work on him then too, but all of October, November & most of December he's away so he won't get much chance to actually do it! I also had a friend over the other night and she tried to talk him out of it saying her hubby was the same when he was dh's rank and that he should hold out for his promotion next year as it will get better. Not sure he was listening but nice someone else thought the same as me........she even went as far as telling him to stay in until he had his half pension :rotfl: that's another 5 years as he joined late :rotfl:not sure that went down well at all :rotfl:!! Would tie in nicely with my 5 year plan though haha :cool:
    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
    What on earth were/weren't you wearing/doing to get stung there :rotfl: Sorry ouch :D

    good news re OH, lets hope what DF said has sunk in

    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
  • :mad::eek::mad::eek:to nasty wasps!

    :j:j:j To DH not handing in his notice yet.

    Have a good day Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • :rotfl: I was dressed I promise! I was saving Duke who'd obviously stuck his nose in the nest :(:eek: and I had on a maxi dress............several wasps decided to get up there :eek: and 2 stung me before I managed to shoo them all out! owww! DS2 only had a towel on (little hooded one) and one stung him on his arm after getting inside the towel. Little beasts they are I hate wasps :( !
    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
  • I'm having a think on a name for a new diary, does anyone have any helpful suggestions :) I can't think of any good ones...........(i'm so uncreative, bah!) so far have

    * Debt-Free-Woohoo - DFW's next chapter; the one after debt!
    * From a 'debt-free wannabe' to a 'I have savings-wannabe'
    * Chapter 3
    (ok I've run out of ideas now can you tell :rotfl:)
    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
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