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*Change of plan - and maybe some good news!*

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  • System
    System Posts: 178,351 Community Admin
    10,000 Posts Photogenic Name Dropper
    Snaggles wrote: »
    Len, it's £76 a month I think (we purposely took it over a long period because we always intended to clear it early, so it was a low monthly payment. The interest rate is pretty good on it, but we will save quite a lot clearing it off now).

    BB, exactly - I had a slight wobble when I went to click on 'sell', and then I pictured how I would feel paying off the loan and realised it would be worth feeling a little pang of regret at some point, in order to feel so relieved and happy now!
    Oh brilliant, £76 is a lot of money. Have you made plans for it yet?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    Ouch Annie, that sounds painful, poor you. How exciting about the laptop though!

    El, yep, I finally did it! I would have done it last week but was so busy I forgot! :o It worked out for the best though, because they have increased quite a bit since then.
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    even better then ...i'm delighted for you and congratulations on being debt free ...i know you have for a while but now it's official ...lets see your name in the hall of fame
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    lennymfo wrote: »
    Oh brilliant, £76 is a lot of money. Have you made plans for it yet?
    Yes, I'm going to set a standing order up for the same amount into the home improvements loan I think.

    I'm going to start a new thread next week to motivate myself to clear that loan too. The sharesave in August would clear most of it, but that would leave us with nothing, and we could really do with a new bathroom! :o
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    save for it honey ...
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    elantan wrote: »
    even better then ...i'm delighted for you and congratulations on being debt free ...i know you have for a while but now it's official ...lets see your name in the hall of fame
    I know that technically I AM unsecured debt free now, but I wont feel debt free until the home improvements loan has gone, so I'm going to hold off putting anything in the hall of fame until it's gone. If I start thinking of myself as debt free, I might start spending again! :rotfl: :cool:
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    this is true it's always a risk lol ...i'm already back into my od had to put it onto my egg
  • beanielou
    beanielou Posts: 95,592 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on your shares Snaggles:T
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Bunnyinthelights
    Bunnyinthelights Posts: 15,278 Forumite
    Snags!
    Well done babe!
    I think putting tht £76 towards the 'home improvement loan' is a brilliant idea.
    I'm envious. x
    Empty pockets never held anyone back, only empty heads and empty hearts can do that -Peale
  • Ellidee
    Ellidee Posts: 6,216 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Great to hear that you can clear the car loan Snags. Could the remainder go towards your new bathroom ? XX El
    Nothing is so fatiguing as the eternal hanging on of an uncompleted task. William James
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