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Reeling from the Reality Check

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Comments

  • Historybuff
    Historybuff Posts: 657 Forumite
    Seventh Anniversary Combo Breaker
    First bit of shopping done. Just off out to finish. DD sold a few more bits of mine on the stall, so buffer fund up as well...not touching it. It needs to grow. On target, aiming to come in under budget.
    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
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Historybuff wrote: »
    First bit of shopping done. Just off out to finish. DD sold a few more bits of mine on the stall, so buffer fund up as well...not touching it. It needs to grow. On target, aiming to come in under budget.

    Great stuff :T.
    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"
  • wantabetterlife
    wantabetterlife Posts: 1,296 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Brilliant HB :T
    Credit card £4461.15Home mortgage £137117Buy to let mortgage £83,000
  • Historybuff
    Historybuff Posts: 657 Forumite
    Seventh Anniversary Combo Breaker
    DONE! Presents came in at £109.93 and food was £229.73, which means the grand total was £339.66. £10.34 inside the £350 budget. I shall spend the £10 tomorrow on some Christmas flowers from the market. Should get loads for a tenner. Ta Da! I've amazed myself!
    Quick tidy up tomorrow, then take father to his hospital appointment. Christmas can start after that.
    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:T I wish you a very lovely Christmas.
    Puzz xx
    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
  • MyHappinessProject
    MyHappinessProject Posts: 95 Forumite
    Excellent!!! Well done on all your efforts to ditch the debt -have a lovely Christmas. I am looking forward to following your inspirational progress in 2015, thankyou for your diary.
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    edited 24 December 2014 at 7:43AM
    Well done HB :) !!

    Christmas shopping done!! Just as well there is 24 hour opening available with HB on the hunt :rotfl:!!

    Have a smashing time if I don't speak to you before.

    Brogden x
  • sweetpea26
    sweetpea26 Posts: 831 Forumite
    Part of the Furniture 500 Posts Name Dropper Rampant Recycler
    Wishing you a very Happy Christmas with your family HB

    You have done so well this year. Relax yourself and enjoy the break.

    God bless
  • in_need_of_direction
    in_need_of_direction Posts: 7,744 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    If anyone could have pulled that off, it was you. Well done and now just kick back and enjoy yourself. You have earned it.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Historybuff
    Historybuff Posts: 657 Forumite
    Seventh Anniversary Combo Breaker
    Thank you so much, everyone. I'm amazed at how many people are interested in following my 'get out of debt' journey. Well, I'm just finishing off a few jobs before finally settling down to enjoy my Christmas. Family have started to arrive, so happiness levels are on the up. Looking back to this time last year, I am a million miles away from the over spending, credit card bashing, keeping up appearances person I was then. I'm really pleased with how I've done this year and know I will never go back to the old money wasting ways. Anyway, onwards and upwards as Broggers would say! Merry Christmas and a Happy New Year to everyone. Have fun.
    HB signing off now till after the festivities. Xx
    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
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