Need to get myself together: The beginning

Options
1256257259261262401

Comments

  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Options
    Disappointing news Monz, but what's for you won't go by you. There's a house out there with your name on it.

    It's rotten to have your hopes and excitement trampled though. I've been there before :(

    Keep your eyes peeled!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
    Options
    monz wrote: »
    I didnt get the house. Apparently the person who went for it before mortgage never came in on time.... now it did :( xx

    Aww monz it's not meant to be your house you'll find it xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Options
    Morning. I am surprisingly fine about the house... even though in my head I did decorate it all haha. Get my new car on Friday cannot wait. Thinking I am going to put it up my new debt even though its PCP and will change in two years, I am going to make some overpayments so I can get a better car next time. What do you think?

    payday in two days :) xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • [Deleted User]
    Options
    Sounds like a good plan monz.

    Dxxx
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Options
    Payday tomorrow and in cpl days my holiday will be paid off :D

    Will be checking what they take out ensuring its £110 and now my monthly of £139 as I made an overpayment :) will be on phone to them right away if so.

    Get my car Friday I cannot wait :). I have a bad feeling though, car sales guy says I pay £149 upfront and then my next payment will be on 1 May. Thats fine that, however, my normal payment for current car is due on 1st April (£129) and he says it will stop and not come out. I dont believe him though. Do you think I can get this in writing so if it does come out I do not get stuck?xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • [Deleted User]
    Options
    They should be able to confirm it in writing for you.

    I would just phone them to ask.

    Yay payday tomorrow and well done on paying the holiday off!!

    Dxxx
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
    Options
    monz wrote: »
    Payday tomorrow and in cpl days my holiday will be paid off :D

    Will be checking what they take out ensuring its £110 and now my monthly of £139 as I made an overpayment :) will be on phone to them right away if so.

    Get my car Friday I cannot wait :). I have a bad feeling though, car sales guy says I pay £149 upfront and then my next payment will be on 1 May. Thats fine that, however, my normal payment for current car is due on 1st April (£129) and he says it will stop and not come out. I dont believe him though. Do you think I can get this in writing so if it does come out I do not get stuck?xx

    Can you not just cancel the direct debit yourself that's what I did when we swapped our car xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Options
    Yeah I can but I am still with Arnold Clark? So will it not have to stick with them? plus nervous it wont let me as end month and bank holiday :/ xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
    Options
    monz wrote: »
    Yeah I can but I am still with Arnold Clark? So will it not have to stick with them? plus nervous it wont let me as end month and bank holiday :/ xx

    Oh I'm not sure I cancelled mine as it was through a different finance company xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Options
    I am giong to ask Friday and ask him to put it in writing. I cant just payout £300 in one go :( xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
Meet your Ambassadors

Categories

  • All Categories
  • 343.7K Banking & Borrowing
  • 250.2K Reduce Debt & Boost Income
  • 449.9K Spending & Discounts
  • 235.8K Work, Benefits & Business
  • 608.8K Mortgages, Homes & Bills
  • 173.3K Life & Family
  • 248.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards