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Return to Solvency

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  • Also wishing you a very happy new year granny. Hope 2013 brings everything you want it to xx
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    Happy New Year Granny. Through all the ups and downs you have maintained your sense of humour and warmth. Wishing you a happy and healthy New year
    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
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Happy New Year dearest granny! I look forward to sharing fun times with you during 2013

    Piq x
    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



  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year, hope it's a good one!
    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
  • Happy New Year Granny and Groupies

    HHx
  • newroadahead
    newroadahead Posts: 1,345 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Happy New Year Granny

    Hoping to be able to join you all again soon

    much love

    NRA xxx
    NewRoadAhead Debts Sep 2009 £35,000.00Debt Free November 2014, Mortgage free June 2022
    #No16 2025 52 week envelope challenge-£477/£1378
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Happy New Year Granny. Well done on your progress so far, and I hope 2013 will be even better for you x
    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
  • never_too_old
    never_too_old Posts: 3,082 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Happy new year Granny,lets hope its a good year for us all.

    :D
    MAKE £2022 in 2022 no 29 £2022/£434.10
    Mortgage@ 1/1/2022 £17540 / £1601.39
    pay all your debts by xmas 2022 £15000/ £1865.29

    https://www.facebook.com/groups/680889456637403
    you tube channel never too old
  • Giggles86
    Giggles86 Posts: 526 Forumite
    Happy New Year Granny! Hope 2013 is full of happiness and fun! x
    *2014 £365/365days - £52/£365* *20p Savers club #17 £12.00/£50*
    March 2014 NSD 0/15 take lunch to work march 0/21
    sealed Pot Challenge #260
    NMB books: 6/94+ NMB DVDs: 13/67
    "Life is not measured by the number of breaths you take but the moments that take your breath away."
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Thank you all for the New Year wishes, I hope it started well for you all.

    OH and I spent the afternoon and evening watching TV. We watched a blokey film and then a more girly film and then watched some TV new year shows. We drank and ate ourselves silly, with OH definitely indulging more than me.

    Just before midnight, bored with what was on the TV, I found myself on here, reading others posts, not that I'm addicted or anything, :o. Then at 2 minutes to midnight I picked up my mobile to send texts to DM, DF, DS and DD. This for some reason really annoyed OH and we almost started the year with a row, :mad:. It didn't quite happen but I could see he was upset and told him that if he expected me to prioritise him, maybe he should do so with me as believe it or not I do have other people in my life too, :j. He looked decidedly sheepish and said sorry, :beer:. I went to bed at 1am and he followed shortly after.

    Today is DGD1 birthday so we went around to see her this afternoon and spent a couple of hours with her. Initially OH seemed to be planning not to come but when I looked less than impressed at his attempts to get out of it, he came.

    We then came home and ate the party food we'd planned to eat yesterday, as we decided to have a pizza as we didn't go out.

    We both now seriously need to get back to the healthy eating regime, both, (again especially OH) having overindulged. We still have things left but nothing that either can't be frozen or used in normal meals. I'm working from home tomorrow but OH is off until Monday, so is going veg shopping.

    I've revised my targets for the year slightly and my only NY resolution as such is to never see £52k debt or my current stone mark again.

    I want to end the year in the £40ks and drop 2st markers as well. I'm planning 15 nsd each month with 5 in a row,
    extra payments each month to my target predator
    and 365 declutter.
    Not too much pressure then.
    Oh yes and finally start a proper savings pot for flights, which will be the round down of my bank on the last day of each month.

    Signature updated to reflect.

    Bye for now, speak soon 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
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