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Return to Solvency

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  • satchmo1
    satchmo1 Posts: 3,231 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Lucky Granny, how lovely x
    What would you get if all you got was what you were thankful for?
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A day to treasure :grin:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Granny, how adorable they are and so lucky to have you ! That story brought a great big smile to my face.:D

    So pleased you have an indication of a date for your op.

    We will soon have the old Granny back !
    Look after yourself xx
    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
  • Aww what a lovely day :) xx
    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
  • missrlr
    missrlr Posts: 2,192 Forumite
    Perfect day! One to treasure print that out and out somewhere (your desk?) to remind you of lights at the end of the tunnel
    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!;)
  • Sounds like you had the most delightful day with your DGC. You put a huge smile on my face just reading that. I think you should frame it, maybe with a photo of your DGC. :D
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
  • I agree with everyone above Granny.

    DD1 did something similar. She had written something that had made her happy. She then decided to re type it using fancy typography, printed it out on a piece of 4x6 glossy photo paper. She stuck little silver and purple love hearts all around it, then framed it in a cheap Ike@ Clip frame. It has pride of place by her bed and she says it makes her smile each time she reads it. It does me too when I clean her room !! :D
    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
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Thanks everyone, it really was a day to treasure.

    Last week passed by in a bit of a blur with work seeming to zap all my time and energy.

    I finally had a consult from private health care referral which went well but still no sign of a date. Pretty disappointed as consultant said may be 6-8 weeks. I rang his secretary but she hasn't had my notes yet, so I've got to ring her back tomorrow.

    Even 6 weeks is cutting it fine for holiday which is only just over 8 weeks away. I cried after appointment and then stuffed my face with rubbish. Had a really bad night as a result so won't be repeating that anytime soon.

    Didn't have DGDs yesterday as they are all under the weather, spent the day tidying up instead. Feeling a bit achy today so taking it easy.

    Most of last week was nsds, still not OD, £25 in purse, £45 in savings and £20 in emergency bank account. Pay day in 9 days so looking promising that I can stay in the black this month

    Still not done my debt review, going to leave it until next month now

    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
  • Oh no to the date still not being set :( thought it would move quickly now that you'd seen someone. So sorry ...I hope you get the appointment before the holiday. Would it help if you keep calling them so they can't forget about you?

    I hope you manage to stay in the black it does sound promising and i'm sure you can do it :) xx
    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
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope that you get a date soon.
    Take care.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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