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Reeling from the Reality Check
Comments
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Passed a milestone today as mortgage amount owed is now in the £50,000s! Gradually going down.
I've managed 2 years and four months of staying in budget and paying down debt. Go me!
Stopping worrying about finances now for the summer. I'll stay in the black though.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 20200 -
Wow you have done an amazing jo ,i am slowly reading through your diary and cannot believe how far you have come.I too have spent so much money over the last 30 years with children going through university and money on children and grandchildren in general not that i am sorry for any of that but just sorry for the extent to which i spent .I am now trying to get back some kind of control befor we retire in 10-12 years time Shall carry on reading tonight so interested to see how you have done it ,should have said amazing job sorry i type too fast.0
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It's a long slog, Try Harder, but now I'm getting somewhere and I'm not stopping till all the debt has gone. At least you have a good decade to get yourself sorted before retiring. I left it far too late before the lightbulb came on and I seriously got down to it. Thankfully, I'm in a job that I love, so the extra years working won't be so bad, but I could have been retired sooner doing the travelling etc. Hey ho!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 20200 -
Another one bites the dust! Just settled another CC debt for just under half of what was owed. Just two big ones and a smaller one left now. Debt is now 60% gone! Amazing considering I was going to leave everything until after the summer.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 20200 -
That's fantastic HB:T well done!
NOA
xFeb2014 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 £510 -
Put in two more p and f offers today. I'm crossing everything that they will be accepted.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 20200 -
Positive vibes heading your way.June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Tend to the part of the garden you can reach
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
everything crossed for you
xFeb2014 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 £510 -
Result! Had one offer accepted that takes debt amount owed to £13,000! If the other one is accepted the debt amount goes down below £10,000! I'm over the moon. To get to this point in two and a half years of debt busting is amazing! I've been lucky in that I've had help with a lump sum, but I've been able to settle £43,420 of debt for £13,682 so far, 31.5% of the total owed.
I can't believe it. The end is in sight...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 20200 -
Pity we can't do the same with mortgages. That's brilliant news.June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Tend to the part of the garden you can reach
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0
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