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Need to get myself together: The beginning

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Comments

  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Aw sorry to hear you had a !!!!!! time - news reports over the weekend didn't sound great :(
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Someone kick me up the a*s and make me phone HMRC lol! will do it today i promise haha. Got a date tonight well i kept it secret for a while been a month now seeing him and hes very cute :)! just having dominoes and watch tv in mine :D

    Anyway

    16 days until payday
    24 day until child tax
    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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    So I phoned HMRC and I was told not to call back until within 7 days of it actually happening lol! so 24th July I to call x
    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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Morning. Last night was good :) quite like him lol!

    Anyway need to food shop tonight kind of need food in my house :P

    15 days until payday
    23 day until child tax
    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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Oh need advice I have noticed that I get charged £18 a month on my bank overdraft think I should just pay that off before overpayments to loan? what do you think?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
  • twiggy86
    twiggy86 Posts: 2,681 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    What is your interest rate on your loan? Depends which would save you the most in interest/charges. I focussed on paying off the most expensive debts first so that it saved me money in the long run. But it isn't just about saving the most money, but what method helps you mentally - if you see what I mean.
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £5,555.00
    Total paid off - £10,045.89 (64% paid off)
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ~Its 6.7% my loan and I pay about £20 a month interest on it roughly. So I though if I get rid of overdraft then I am going to save £18 a month overdraft charge possibly 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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Hey Will not be on until Tuesday. Its long weekend in Glasgow :)

    14 days until payday
    22 days until tax credit (if i even qualify for this now lol) x
    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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    9 days until payday
    17 days until tax credit (if i even qualify for this now lol x
    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
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    9 days until payday for me too :D

    Did you do much with your long weekend?
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
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