Working towards being debt free and a new house.

dipdap

Morning diary
Most bills paid now, need to sit down today and check everything is out of the way and write up a new spreadsheet for this month.
2 days until I can pay a chunk off this credit card. Was hoping I'd have it paid off by the end of June but I can't see that happening now as we keep using it
Hoping debts drop below the magic £20k figure on the 7th, as that's when the next loan payment is due.

dipdap

Just had a phone call from the solicitors to say they're ready to exchange contracts, so the next phone call I get will be to tell us contracts are exchanged :j
Tick tock tick tock......... (I'm not a patient person!)

abba1772

dipdap wrote: »

Just had a phone call from the solicitors to say they're ready to exchange contracts, so the next phone call I get will be to tell us contracts are exchanged :j
Tick tock tick tock......... (I'm not a patient person!)

That's fantastic news xx

dipdap

abba1772 wrote: »

That's fantastic news xx

Thanx Abba
Contracts exchanged :j went through a bit earlier so the house has been a bit manic with phone calls all afternoon from everybody wanting to know what's going on
Just got to wait for them to finish the house now
Should be done in about 3 months :j
Finally starting to get excited :j

dipdap

£9,374 loan 1
£4,500 loan 2
£2,2364 CC 1
£830 CC 2
£3,300 CC 3
£197 CC 4

Total outstanding £20,565

CC 4 again doesn't really count as I paid the balance on it and accrued no interest last week
So close to that magic £20k, should be under by Tuesday :j

debtfreewannabe321

Hi Dipdap, I've read through your diary and think you're doing really well. Congrats on exchanging contracts :j:T I bet that's a weight off your mind :T Good luck with getting below that £20k xx

dipdap

debtfreewannabe321 wrote: »

Hi Dipdap, I've read through your diary and think you're doing really well. Congrats on exchanging contracts :j:T I bet that's a weight off your mind :T Good luck with getting below that £20k xx

Hey Hun thanx for reading
We worked out we should be moved win the next 4 months :eek:
The day we move will be the day were debt free :eek:
Admittedly we'll be saddled with a mahoosive mortgage but that's just another challenge to me
Starting to get excited now :j

Dobbibill

Getting under £20k will be such an achievement :T :T :T

countdown with the house move/debt free journey now

You will be able to have a fresh start when you move, not just with the house but with your finances and alot of learned knowledge going forward which should help you stay debt free.

DB

debtfreewannabe321

Brilliant news so you'll soon be a MFW eh! That's our aim this year too to buy a house .....however we'd like to move in the summer and we're nowhere near as organised as you. We still have to find the house, never mind buy it :rotfl:

Countdown to being debt-free now then as Dobbibill says :j

dipdap

Morning diary
Just finished a gruelling night of work
New page means new to do list but think I'll do that later on today after a nice long sleep

- Get debts below £20k (almost there :j)

- Close one of my credit cards (this probably won't happen until July now)

- Work out exactly how much we need to shell out on completion (just waiting for the solicitors final bill)

- Write up my CV (I need to earn more money )