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I WILL get there!!

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  • Hi again Monie!

    I was the same with diaries until some lovely MSE-ers pointed me in the direction of the subscribe tool and now I get emails with updates to about 20 diaries, sometimes takes me a couple of hours to read through updates so I don't often comment!

    Food and drink related truces are my favourite, especially if it involves wine or chocolate :rotfl:

    Had a really lovely time with OHs family, had a few too many sherbets yesterday and then my parents were in the area and came to meet us for today and we went on an open top bus tour and had a prosecco cream tea, proper touristy day! Not the cheapest, but we did budget for it (I'd have just stuck it on credit cards a few months ago, so that was a proud moment!)
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • Hi Kirsty, just been reading through your diary you've made amazing progress and have really inspired me. Will be subscribing. Fingers crossed you hear about the mortgage soon. :)
    MBNA 0% ends 10/04/2020 £15843
    Virgin 0% ends 09/06/19 £ 8007
    Virgin 0% ends 17/7/19 £6379
    Virgin 0% ends 17/7/19 £ 7229.26
    £30229 :eek::eek::eek::eek::eek::eek::eek::eek::eek:
    SPC 069
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Thanks Lincs, great to have you along!

    Still got everything crossed about the mortgage, but I'm having another 'stress about it' day, I will drive myself mad if we don't hear anything soon!
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Hello all!

    Well we finally got the amazing news that our mortgage has been approved and was offered this afternoon :) I've never been so happy/relieved/drained all at the same time!

    The searches have been started so I'm hoping we are in by the end of November, all being well. Our first Christmas in our first proper home together :)
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • :j:j:T:beer::dance::dance: whoop whoop that's brilliant news.
    MBNA 0% ends 10/04/2020 £15843
    Virgin 0% ends 09/06/19 £ 8007
    Virgin 0% ends 17/7/19 £6379
    Virgin 0% ends 17/7/19 £ 7229.26
    £30229 :eek::eek::eek::eek::eek::eek::eek::eek::eek:
    SPC 069
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Thanks Lincs :)
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • Knew it would work out for you :)
    Congratulations! :j
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Thank you ABA, I'm on cloud 9 at the moment - although now the mortgage offer has gone through I just want to start chasing solicitors....I won't be truly happy until we are putting the christmas tree up in our lounge :rotfl:
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Wow just read your news! Fantastic stuff!! And it's a good deal and all?
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Thanks Bob!
    I'm pleased with the deal we've got (2 year fixed at 3.78) I know it's not the best out there but with the issues we have (my debt, OHs complete lack of credit history) I am more than pleased with it....also, it works out at almost £90 per month cheaper than renting even after the additional buildings and life insurances :T
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
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