Our long dark road towards the light of freedom

Lizloz

Dear Diary - good evening!! Thought I'd just pop on for a little update.


Well, today I fell like I've had things put in to perspective for me and no matter how much I feel like I've gone through a bad patch lately, it's nothing...minute...TINY in-fact in comparison to what some people have gone through and are still going through and I just feel very blessed and grateful for all that I have, no matter how tough I feel things have been.


Some good news on the mortgage front - it's almost done and dusted so we will be paying around £80/month less, which we can use towards servicing another debt!


I've also started saving £5/week for Christmas, which I will up to £10 once everything with our switch to Virgin and our new mortgage company settles down.


Happy days are on their way....happy, happy days.


TTFN

brizzledfw

Have a good weekend and keep your MSE mojo to the fore!

Lizloz

Good evening peeps - 'tis the end of yet another busy, manic weekend but it has been a good 'un as it was my birthday on Thursday and we have done loads. I had some money given to me as gifts so I've used that to pay this month's cc payment that I bought my concert ticket on.


I have also been reviewing my gas and electric and have been able to switch to a new tariff, without any exit fees and have managed to shave off another £17/month off our bills!


Hopefully (by the end of this week), our mortgage switch will have been settled and we will get a nice cheque in the post...looking forward to seeing that in the bank but you know how the old saying goes....in one hand, straight out the other!


I'd like to do my updates now (because I'm very impatient!), so here goes:

Santander loan = £3328 / £208/month - finishes Jan' 2017
Nov' 2015: o/s balance £3120
Dec' 2015: o/s balance £2912
Jan' 2016: o/s balance £2704
Feb' 2016: o/s balance £2496
Father-in-law = £9892 / £390/month - finishes Oct' 2017*
Nov' 2015: o/s balance £9100
Dec' 2015: o/s balance £8704
Jan' 2016: o/s balance £8308 (just realised I've been putting the wrong o/s balances on so this should make the total owing look a little bit prettier!)
Feb' 2016: o/s balance £7918
Barclaycard (in my name) = £6986 / £160/month (0%)
Nov' 2015: o/s balance £6852
Dec' 2015: o/s balance £6701.74
Jan' 2016: o/s balance £6551.00
Feb' 2016: o/s balance £6403.61
MBNA (in husband's name) = £3968 / £148/month (0%)
Nov' 2015: o/s balance £3889
Dec' 2015: o/s balance £3981 (someone's been having a spend..!!)
Jan' 2016: o/s balance £4112.91
Feb' 2016: o/s balance £4150.67
MBNA (in my name) = £1083 / £40/month (29.9% APR)
Nov' 2015: o/s balance £1175 (we had a little spend on this)
Dec' 2015: o/s balance £2240 (was not expecting it to be this much!!)
Jan' 2016: o/s balance £2878.22 (damn Christmas....no more!)
Feb' 2016: o/s balance £2985.20
Tesco loan = £11,094 / £258/month - finishes Summer 2019
Nov' 2015: o/s balance £10,836
Dec' 2015: o/s balance £10,578
Jan' 2016: o/s balance £10,320
Feb' 2016: o/s balance £10,062

LBM amount: £36,351
Outstanding balance Nov' 2015: £34,972 (£1,379 paid)
Outstanding balance Dec' 2015: £35,116.74 (£1,234.26 paid = £144.74 added to overall debt)
Outstanding balance Jan' 2016: £34,874.13 (£1476.87 total paid - £242.61 paid since last month's o/s balance)
Outstanding balance Feb' 2016: £34015.48 (£2335.52 total paid - £858.65 paid since last month's total)....chipping away!