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Mind change to debt thanks to MSE forums!

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Comments

  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You're doing fantastic sassy, that is a great amount to pay off your debt and get to Oz and back! I have almost £10k more than you to pay off so your £9.5k in total left to pay is totally manageable. Just keep doing what you are doing as it is obviously working :)
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • sassychick2014
    sassychick2014 Posts: 808 Forumite
    girlatplay wrote: »
    You're doing fantastic sassy, that is a great amount to pay off your debt and get to Oz and back! I have almost £10k more than you to pay off so your £9.5k in total left to pay is totally manageable. Just keep doing what you are doing as it is obviously working :)

    Thanks GAP. It's always nice to hear I'm doing well. I really believe I need to get rid of the debt asap however I also want to give Littley a good childhood. So long as I don't get in any further debt it's all good.

    I'm reading your diary and you're doing a great job too. Keep it up and you'll be reducing that debt quicker than you think.

    Have a great day hon :) xx
    CC1: 10273.70/6892.56. CC2: 1000/832
    Cat1: PAID :j Cat 2: Paid :j Cat3: Paid :j Cat4: paid :j Family: paid :j CC3: paid :j M/A: Paid :j.
  • sassychick2014
    sassychick2014 Posts: 808 Forumite
    Morning all

    So, if you've looked at my signature today you'll see that I finally got one of my invoices paid and so have cleared 2 more debts. :j:T:j:T That's the one that has 0% finishing next month plus the one I've been making PADs to. Once they've cleared I shall be closing the accounts. I've now updated my spreadsheet to put all payments from Cat1 towards Cat2 so that's the new PAD target.

    I've also made a PAD to Cat2.

    Today is more gardening work which is ok as it's nice and sunny so that's all good.

    I've also just been offered a short term contract that's only a few hours a week but should bring in another £100 ish. That'll go straight to Cat2 when it comes in.

    Have a good day everyone :) xx
    CC1: 10273.70/6892.56. CC2: 1000/832
    Cat1: PAID :j Cat 2: Paid :j Cat3: Paid :j Cat4: paid :j Family: paid :j CC3: paid :j M/A: Paid :j.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    sassychick2014 wrote: »
    Morning all

    So, if you've looked at my signature today you'll see that I finally got one of my invoices paid and so have cleared 2 more debts. :j:T:j:T That's the one that has 0% finishing next month plus the one I've been making PADs to. Once they've cleared I shall be closing the accounts. I've now updated my spreadsheet to put all payments from Cat1 towards Cat2 so that's the new PAD target.

    I've also made a PAD to Cat2.



    :T:T:T:T


    Brilliant sassy! You are charging along now :D
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • sassychick2014
    sassychick2014 Posts: 808 Forumite
    Morning all

    Thanks GAP for your encouragement. It does mean a lot when people comment on how well you're doing, or even just a little comment here or there, as I'm sure everyone will agree.

    I've updated my signature as I hadn't for July and have realised that I must have changed my password for CC1 and then promptly forgot it as I'm now locked out. This is doubly annoying as the only way I can reset my password is if I put in my card details. Yeah, that'll be the card I cut up about 10 months ago! Ah well, I could ring them but I think I'll just wait til they send me their friendly statements each month.

    Made my first PAD towards Cat2 as well as the monthly payment. Although I'm making PADs towards the highest interest debt first I always make a slightly higher payment than the minimum on the rest. Even if it's only a little round up from say £27 to £30. I know it's not much but I'm concentrating on Cat2 now so when that's gone I'll do CC2.

    Well, I've got work to do on the one off contract I got given yesterday so I'll go do that now. Actually I have a confession, even though I'm supposed to be working I'm actually snuggled on the sofabed with Littley watching tv while I get my work done. One of the plus sides of being self-employed. The other plus is I'm giving myself Thurs & Fri off for my birthday and I'll enjoy them!

    Have a good day everyone :) Xx
    CC1: 10273.70/6892.56. CC2: 1000/832
    Cat1: PAID :j Cat 2: Paid :j Cat3: Paid :j Cat4: paid :j Family: paid :j CC3: paid :j M/A: Paid :j.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    sassychick2014 wrote: »
    Thanks GAP for your encouragement. It does mean a lot when people comment on how well you're doing, or even just a little comment here or there, as I'm sure everyone will agree.


    You have just cleared two more debts, it's brilliant!


    I said to mummytogirls on her diary, the 10p's and 75p's all add up. Just keep chipping away :)
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • sassychick2014
    sassychick2014 Posts: 808 Forumite
    Forgot to say, put £2 in the sealed pot yesterday too! :) xx
    CC1: 10273.70/6892.56. CC2: 1000/832
    Cat1: PAID :j Cat 2: Paid :j Cat3: Paid :j Cat4: paid :j Family: paid :j CC3: paid :j M/A: Paid :j.
  • sassychick2014
    sassychick2014 Posts: 808 Forumite
    Morning everyone

    So this morning I was woken by Littley singing happy birthday to me, showered with presents then taken to the new garden area that my parents and her had decorated for more presents - spoilt or what!?

    Have made a PAD already and now getting ready to be spoilt some more.

    Have a good day everyone :) xx
    CC1: 10273.70/6892.56. CC2: 1000/832
    Cat1: PAID :j Cat 2: Paid :j Cat3: Paid :j Cat4: paid :j Family: paid :j CC3: paid :j M/A: Paid :j.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    :bdaycake: Happy birthday sassy, have a lovely day :D :beer:


    xx
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    A very happy birthday - hope you have a fabulous day.


    Fortune x
    https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
    Working at Living
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