📨 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!

30 months to no debt - an Optimistic Journey

1192022242566

Comments

  • Yay to the new car! Our handbrake is dodgy too, seems you need to be a weight lifter to actually be able to put the darned thing on (of which I am not...!) Would love to scrap ours ;)

    p.s hope you're feeling better now?? 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
  • Month 28, day 5. Hi all, I am a little better but still slightly fuzzy about the edges.

    21 days to the big pay, and 22 to Majorca. Most importantly, its 21 days to being rid of three debts. as 2 of my cards will stay open but it will mean I can clear them every month.

    DD2 is en route to glastonbury. I asked her "where are you at the moment?" and she misunderstood, as I got the response, "just stopped at costa coffee"

    Funny little madam!

    Got my black bin from the other house last night and have put compost in the bottom and planted some late king edwards in it. Will have a nice late crop with those! worked on the remainder of potato city, and was somewhat hindered by a small boy and a couple of large dogs. Posting the last of the ebay and will definately, I promise, iron.

    If the weather holds I shall potter in the garden there is grass to cut and other things to do until 17.30 when DH finishes work.

    Very busy again at work and home!
    Trying to shift that debt!
  • HeadAboveWater
    HeadAboveWater Posts: 3,941 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Glad you're feeling at least a little bit better. Hopefully you'll feel less fuzzy as the day goes on.

    Tomorrow you can start counting on your fingers and toes to the big pay day :D

    Hopefully the weather is better there than here! :o Got soaked on the way in this morning!
    Wealth is what you're left with when all your money runs out
  • It started off bright enough but has deteriorated since. Currently tipping down. :(
    Trying to shift that debt!
  • Lovely sun here all morning now cold and starting to spit at me. How rude. Typical June day in England then eh.

    Majorca??? Jealous!!!
    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
  • Mara_uk7
    Mara_uk7 Posts: 1,219 Forumite
    Seventh Anniversary Debt-free and Proud!
    Tonight I WILL book our summer holiday, Majorca is top of my list, followed by Lanzarote, and Madeira .... in fact anywhere the sun is shining ! Loved Majorca last time we were there many many moons ago , Think the night clubs will be much lower down on my list of priorities this time ! :P
    Its just a bad day, Not a bad life .. :cool:
  • Month 28, Day 6 The only nightclub I have any interest in is the one you join to sleep. That would be fabulous as my 3 year old has very little interest in a full nights sleep. Countdown continues... 20 days to wait for the big pay. I have paid 45p on Vanquis and 50p on Aqua. Last of the big spenders...

    I shall be purchasing some poo for my tatoes, some compost and some fabric softner. Tonight I will also make sure I log onto intelligent finance and sort one of my pots and name it TFS overpay. Thats where I shall save up to pay lumps off my TFS loan, thus reducing the monthly outlay there.

    I am paying off three cards and closing one. I shall keep the other 2 incase I need for the other house. I shall close one more in 2 months and keep the third. I shall I shall I shall keep it at a zero balance because I am going to be better than perfect.


    Anyway, its lunchtime, its raining and I suppose I should go for a sortie out of doors. Fresh air to make me wake up for the final three hours this afternoon. urgh
    Trying to shift that debt!
  • patman99
    patman99 Posts: 8,532 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Looked at a Freelander myself. I have a workmate who owns 14 vehicles, 7 of which are Lnadies of various types. Only thing to watch out for is the driveshaft to the rear axle as these fail (but are a cheap & easy fix). He reckons they are more rust resistant than the Disco's, so you should get plenty of mileage out of them.
    Never Knowingly Understood.

    Member #1 of £1,000 challenge - £13.74/ £1000 (that's 1.374%)

    3-6 month EF £0/£3600 (that's 0 days worth)

  • HeadAboveWater
    HeadAboveWater Posts: 3,941 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Morning :) Happy July!! How was your weekend?
    Wealth is what you're left with when all your money runs out
  • Month 28, day 9 thanks all, had a smashing weekend. December 2015 will be my DFD even at worst case scenario and that has to be our focus. I however had to get my little boy some new shoes but luckily Clarks had a half price sale on. So he got trainers too and as he goes to football, thats brilliant.

    No spends for me today apart from the husband is having a haircut. Child support is on its way and I have posted the tax disc and the car has been scrapped. 5.88 in from ebay and 6.38 paid to cards. Ebay bids are up to 8.73 and I need to update things for July.

    My neice had a great weekend it was her prom Friday and a birthday Dooo on Saturday. Still awaiting DD2 home from Glastonbury. Havent heard anything since Saturday when i presume her phone ran out of charge.
    !!!
    Trying to shift that debt!
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.