📨 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!

Looking for the silver lining

16465676970544

Comments

  • So glad it all went well yesterday. Don't worry about money spent, having a nice time together at the moment is priceless.

    I think borrowing from savings sounds a good idea Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So glad it all went well yesterday. Don't worry about money spent, having a nice time together at the moment is priceless.

    I think borrowing from savings sounds a good idea Xx

    Seconded by me on both fronts xx
    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.
  • amber03
    amber03 Posts: 1,360 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Glad u had a good day yesterday, fingers crossed you get to repeat it soon.

    Wish it was only£740 owing on my CC, owe well maybe this timenext year.x
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • Sun_Addict
    Sun_Addict Posts: 24,115 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    amber - that's just one credit card - I owe nearly £3500 on the other one! Just trying to get rid of the one with the closest 0% finish date first. Will tackle the other one next as it doesn't finish until February 2015.

    Mr SA was ok last night. Took him out in his wheelchair again round the hospital grounds. My arms and back are still aching today and my shins are bruised from where the chair banged into them. He starts his next batch of chemo tomorrow.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Really pleased you had a lovely day out. !that's great news:D
    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
  • taxi73
    taxi73 Posts: 20,815 Forumite
    lovely that you both had a good few hours out of the hospital
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    edited 29 July 2013 at 6:39PM
    It will amazing to be able to say that you are down to one CC though :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.
  • Impressive all round SA xxx

    I don't know where I have been but glad to see you guys had a good day Saturday.

    I am not doing so well on the debt front but hey ho it will get paid somehow. Must get selling things. I have a shed full!

    How are things this week?



    xxx
    Nevertheless she persisted.
  • Sun_Addict
    Sun_Addict Posts: 24,115 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks all! Your messages really keep me going! You don't realise how much it means to me!

    Mr SA still ok. Chemo should be starting again today. He's still very tearful and to be honest has been driving me and his sister mad with tearful distressing phone calls all day long. Anyway he's seen the doctor this morning and has been diagnosed with depression (on top of everything else!) and they will be treating him for this. He's been told his treatment for the lymphoma should be finished by the end of September. We were initially told 6 months of treatment back in April so this just about ties in.

    Talk about never a dull moment - DS got back from work yesterday to find his cat had given birth to three kittens!! He never even noticed she was pregnant (but then he is male!). I've been nagging him for ages to get his cats neutered but he's not got round to it - so what was he expecting!

    Waiting (not very) patiently for payday. Have a plan for the credit cards. As follows:

    Barclaycard
    Balance £740 - 0% finishes just before end August

    End July - pay £200 off
    Just before end August - pay £200 off
    Lend myself the remaining £340 out of savings
    End September - pay £200 back into savings
    Balance remaining - £140 - plan to "find" this amount by end September by various means/shuffling of money, etc

    Halifax Card
    Balance remaining £3400 (after minimum payment in August) 0% finishes end January 2015

    From October onwards start paying off extra £200 per month on top of minimum payment.

    See what the balance is nearer the 0% finish date but think it should be cleared by end of 2014.

    Then (in theory) job done - debt free once again.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Hello SA, your day out sounded fun :) and i had a little laugh at the little britain comment you made as when you was describing what he did I also thought of them too!! LOL at your ds! That is such a male thing to do, not even notice the cat is pregnant :p

    I think borrowing from savings is a good plan I often do what you described as my tenant is always late paying. I borrow the money she owes from a savings pot (or two) and then as she drip pays me (as she does each month!!!) I pay it back into savings. It's good to have the budget all there on payday I find so I don't forget who's been paid, who hasn't and what needs topping up!

    I hope you get another day out with Mr Sa soon :) 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
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
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K 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.