We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

First year - £42k to £35k....

1161719212244

Comments

  • Aamberle
    Aamberle Posts: 559 Forumite
    Morning Emz - Hows things today...
    2012 The year I started dealing with my debts.
    2017. Lets start this again shall we?

    Debt 1 Cleared 2/1/17 £480 Gone forever :j
    Debt 2 100/598
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi Emz, sorry for not posting.

    I can understand where you are coming from with your OH, this is coming from someone who is paying all the bills as OH is still unemployed. I can understand your frustration.

    My OH is the same he has a CC and should have gotten one with 0% by now but cos he is unemployed he can't get a loan or a CC so he is paying this massive interest rate.

    But you have let them learn their lesson and if he doesn't then you can shout at him.

    Maybe when he has paid this loan he can pay ALL the bills for a few months, just keep a note of what he owes you!

    But you can do it, your such a strong determined lady x

    Hi GRC

    Must be even worse for you having to pay all the bills every month at the moment :(

    I'm still living in hope that he might be able to pay something still. We're not sure what his bonus is yet and his mate wants him to see him on Tuesday to discuss 'finances', so not sure if he's going to lend him some money - either that or he's going to ask him to move in to help with his mortgage!!

    Will keep you posted!!

    Emz xx
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Aamberle wrote: »
    Morning Emz - Hows things today...

    Not too bad thank you :)

    Hope you are well.

    Emz xx
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fingers crossed that the bonus letter finally arrives today and it's more than my OH thought!!

    Got a little Mickey Mouse dungarees outfit for my nephew yesterday. Only cost me £2 as I used the £10 voucher too. So I've got £50 worth of presents for him for the grand sum of £6.50 :D.

    We went to see The Dark Knight Rises last night. It was good, but not as good as The Dark Knight. It was quite slow in places, but the last 30-45 minutes were amazing!! However, the whole of The Dark Knight was amazing. I knew it would be hard to top such a brilliant movie.

    Emz xx
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hello Emzilla,

    I've just had a read through your diary and wanted to say how well I think you're doing. Even with the financial issues from your boyfriend, you're still doing such a great job. Well done.

    Your diary is a very enjoyable read.
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    MuffinTops wrote: »
    Hello Emzilla,

    I've just had a read through your diary and wanted to say how well I think you're doing. Even with the financial issues from your boyfriend, you're still doing such a great job. Well done.

    Your diary is a very enjoyable read.

    Hi Muffin Tops :)

    Aw, thank you :D. I always think I'm babbling on about boring stuff :o.

    Emz xx
  • beanielou
    beanielou Posts: 96,738 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope bonus is good news.
    How would you feel about your OH moving in wth his mate?
    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.
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    beanielou wrote: »
    Hope bonus is good news.
    How would you feel about your OH moving in wth his mate?

    Still don't know about the bonus.

    OH moving in with his mate would be good in terms of getting my own space back. However, it would be bad financially.

    I'm not sure he's going to ask him that. He knows that he's living with me and he has a wife (not even been married 2 years yet) who was adamant that she didn't want a lodger. I'm not sure that OH would want to move in with him anyway as he's not that keen on his wife.

    Emz xx
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Emzilla wrote: »
    Yeah, the online kind. Just like one massive survey really.

    Emz xx

    Hello Emz,

    Could I be really cheeky and ask you to PM me the company you use please? I'd really appreciate it, thank you.

    MT x
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    MuffinTops wrote: »
    Hello Emz,

    Could I be really cheeky and ask you to PM me the company you use please? I'd really appreciate it, thank you.

    MT x

    PM sent :)

    Emz xx
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.