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Brogden's Debt Disaster & Self Managed DMP!

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Comments

  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    :T Well done u:T

    So really with the p&f sainsbobs paid for dd's pearly whites! :D
    Love Puzz.x
    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
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Another one bites the dust. Way hey! Well done again Brothers.
    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
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    Verbatim wrote: »
    Another one bites the dust. Way hey! Well done again Brothers.

    Brothers......? :)

    Thank you as always Verb and errrrr.......SWING OUT SISTER :)

    Have a great weekie.

    Brothers x
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    Puzzcat wrote: »
    :T Well done u:T

    So really with the p&f sainsbobs paid for dd's pearly whites! :D
    Love Puzz.x

    Thank you little Puzz :) !!

    Yes.....the net effect is something like Sainsbob's paid for the pearlies :o !!

    Whilst I have given a little history on each debt to help me reflect on all that happened and what I did in the past, the debts actually have no personality or story.......they're just money owed.......negative blobs to be cleaned up and cleared out. I say that as you set my 'moral compass' spinning then for a moment.

    I could never initiate such a 'deal' knowingly. Its just the way it worked out from a time when I said 'yes' to everything and simply got in over my head :(!!

    I know you know that anyway little Puzz but just in case anybody doesn't :)

    Brog xx
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    Dansmam wrote: »
    Yay!!! Good riddance, and I so, so understand about needing a quick solution for the teeth - what we will do for our children with no thought to the consequences for our finances eh?! Go you, you cc beating genius!
    DM

    You've been quiet for a while DM :) !!

    I was keeping my head down and paying my Council Tax ;)

    I don't think anybody will ever thank me for anything now or after I'm dead BUT I can say that a large, large part of my indebtedness is the result of yielding to the requests of others. This is not their fault....it is my fault :( I should have kept control particularly as I was educated and arithmetic enough so to do.....BUT as I said last year in my opening gambit.......'soft touch' :) !! Ha!!!

    I know I am talking to a lot of Mum's here and they will know even better than me - DM - you get my point completely....thanks :)

    The blokes and dads are mostly in a golf or football haze adopting an approach of minimal sense and feeling :) !!

    Broggers x
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    grannyx2 wrote: »
    That's Ripper Mate!!!! :rotfl: :D So, so, super chuffed for you

    Oh Granny........'Ripper Mate'.........what have those Australians been teaching you? ;)

    A thousand thanks anyway :rotfl:!! When you come back we are going to have to give you a crash course of good olde English :):) !!

    Broggers xx
  • Dansmam
    Dansmam Posts: 677 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    What, you've killed two big debts AND paid your council tax? :TImpressed. Seriously. Shuffles off to spend salary paid by Brogden. Oh the shame...:eek:
    DM x
    I have borrowed from my future self
    The banks are not our friends
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    I am so impressed. You're so close to halfway in both numbers and cash. I think you should ignore op on the mortgage cos while it would save some money, it would be nothing like the reductions you are getting on p&fs.

    Thanks INOD :) !!

    I keep saying I want to talk about mortgage OP's and indeed pensions but I just end up chatting :o !! I do want to talk about this and bore everybody.

    You have given me this message before INOD and whilst we post odd messages on here we maybe don't always give or get the full picture :( !!

    Nothing would make me happier than to carry on debt busting like this but there is no choice......I absolutely have to turn my attention to mortgage / housing etc whether the moral compass swings or not :)

    Thanks again for all of your good wishes.

    Broggers x
  • Awesome....well done Broggers! :T
    Feb'15 £118411.00 Jan '16 £112665.10 Jan 17 £106790.00, Jan 18 £99268.10 April ‘19 £57052.26, Oct ‘20 £46015.42 £2.00 Savers Club, 🎖, 2015 £332, 2016 £356, 2017 £312, 2018 £254, 2019 £668, 2020 £880.00, 2021 £104, 2022 £158, 2023 £68, 2024 Emergency Fund £2500/£1000 :j
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Well done Broggers :T:T whilst I'm late to post, I've been reading and following your p&f's. Excellent to see great progress.

    The pearlies are a tricky purchase... since I too had private orthodentic treatment to straighten mine and it made a huge difference to my confidence and smile. From this :) to this :D. And my parents paid for mine too for which I am forever grateful for - DD owes you bigtime on that one ;)

    Happy weekend and I'm looking forward to your posts on the mortgage and pension - get to it man :rotfl: ;)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
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