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Reeling from the Reality Check

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  • dottydebts
    dottydebts Posts: 89 Forumite
    such great news! Final countdown now..... :j
  • Historybuff
    Historybuff Posts: 657 Forumite
    Seventh Anniversary Combo Breaker
    Bought home insurance and breakdown cover yesterday. Current insurer wanted £217, so I compared and got the same cover for £119 elsewhere and breakdown cover wanted £180! Rang them and got it reduced to £136. So saved £142! Crazy!
    Feb 2014 to now
    Unsecured debt at highest £56,511/now £9,328 83% paid. :)
    Mortgage £85,342/now £28,846 66% paid
    2018 overpayment total - £5,500
    Mortgage and debt free by August 2020
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    edited 25 February 2016 at 8:36AM
    Well done History Buff.
    V
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    It really doesn't pay to stay loyal to insurers. Well done on your saving.
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Historybuff
    Historybuff Posts: 657 Forumite
    Seventh Anniversary Combo Breaker
    Resubmitted a settlement offer to one of the big debt predators. Hoping they will come back with a sensible offer. The other three I'm leaving for the time being. I'll keep up with the payment plans and make them another offer in a few months time.
    There really does not seem to be any consistency between banks etc re partial settlement IMO. The accounts were all of a very similar age. The first three settled immediately for at or very close to my offer. The fourth one eventually accepted close to the original offer, but the other four are flatly refusing to go anywhere near a reasonable amount.
    Anyway, I'm really chuffed that debt mountain has gone down so far in such a short time.
    Feb 2014 to now
    Unsecured debt at highest £56,511/now £9,328 83% paid. :)
    Mortgage £85,342/now £28,846 66% paid
    2018 overpayment total - £5,500
    Mortgage and debt free by August 2020
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    :TWell done HB... :T
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY     http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Historybuff wrote: »
    Bought home insurance and breakdown cover yesterday. Current insurer wanted £217, so I compared and got the same cover for £119 elsewhere and breakdown cover wanted £180! Rang them and got it reduced to £136. So saved £142! Crazy!
    "Adds banning expensive insurance renewals to things I will change when I rule the world" :D.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • NoOneAround
    NoOneAround Posts: 1,843 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Hi HistoryBuff,
    Have managed to catch up with your diary over the last couple of weeks.
    Am in total awe of you debt reduction figures :T:j
    Well done!
    NOA
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • NoOneAround
    NoOneAround Posts: 1,843 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    gallygirl wrote: »
    "Adds banning expensive insurance renewals to things I will change when I rule the world" :D.

    Seconded!
    Noa
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    NoOneAround wrote: »
    Seconded!
    Noa
    xx
    Are you with me on outlawing cold women's toilets as well :D.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
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