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never ending debt free diary

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Comments

  • Oh Husky, just caught up with your diary. Sorry that you're having a crap time at the moment, big hugs to you.

    Glad work is going great, a small consolation at the moment I know. Xx
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Hope you have a better night, posting at 4.30am is not great.
    " 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
  • I'm so sorry, your situation sounds terrible. :(
  • Huskyrunner
    Huskyrunner Posts: 542 Forumite
    edited 7 December 2016 at 11:48AM
    :eek:
    Bobarella wrote: »
    Hope you have a better night, posting at 4.30am is not great.

    i was at work at 430 bob i work permeant nights lol I have done my two shifts for the week back on sunday now.

    So my current situation i have just had my payslip through £525 this month, finance situation is very very grim but its only a month then money wise i will be back too normal.

    Outgoings this month are

    200 on the mortgage (looked into coming off it but me and the ex agreed re the dog situation, her debts being quite high i am staying on for the next 6 months).

    50 aunt and uncle board (125 next month)

    Maintaineance too ex 70 quid (next month 140)

    100 travel too work

    15pounds puregym

    435 total

    The rest i am gunna use to buy a few small xmas presents, i am having a night out on friday.

    Money wise i am still waiting on bits coming in from uk toluna, and uk hiving around 40 quid. And i have sold an old bmx bike which was bought for my son for 80 quid which half going too him half too me for the minute and i have 35 quid due soon off music magpie.

    115 due in soon.

    I am also at 48points on populuslive and 39.30 on onepoll.com gerrrrrrrrr


    Re my creditors i am paying them 1pound each this month then January pay hopefully 300, february onwards once i know where i stand a bit i am gunna review things. February i am going too start driving lessons too it takes 2 hours each way by public transport from here to get to work.

    Thanks everyone for the nice comments: misty, essexhebrian, bob, purple,any other regular visitors etc etc i apologise for not popping in on your diaries i will soon.
    debts 16550
    Mortgage 69500
  • EssexHebridean
    EssexHebridean Posts: 24,648 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Definitely a squeaky tight month then - but as you say you can do a month of it.

    Make sure your deal re paying the mortgage is noted somewhere is writing. It will/may become relevant down the line if worst comes to worst and the house is sold. Particularly if things with your ex are a bit fraught, it pays to have everything in black and white.

    Give yourself some time to come to terms with things before you start worrying about what you need to do from here.
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • It is Essex yes re the mortgage i am doing nothing until january our family solictor is away at the moment but i have an appointment booked in for January.

    Yes re squeaky bum time re money but its improving i have just hit the 50 point thing on populuslive. God knows when that cheque will arrive.
    debts 16550
    Mortgage 69500
  • It sounds like you have things under control, which must be very hard to do in your situation. Is your aunt and uncle's house much further away from your work? Is that why the commute is so long?

    I hope you are able to visit the dogs at least. :(
  • Huskyrunner
    Huskyrunner Posts: 542 Forumite
    edited 8 December 2016 at 7:18PM
    Yeah its in county durham right in the sticks where i am now its around 30 mile from work. Where i was living was about a third that away plus as i was living near a city the transport links were better, here after 8pm it grinds too a halt ie buses every 30-45 mins.

    But on a positive note its super super quiet, i am back at the gym, i am running 2-3 days a week i have no stress here and i am getting out with friends and work is going fine.

    On 39.90 on one poll.com which is annoying.
    debts 16550
    Mortgage 69500
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Ah sorry I hadn't picked up on the night work thing, glad you are finding your new set up ok as it can be, and hope you get through the tight month ok.
    " 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
  • well the 35 that has just come in from uk toluna means i aint walking too work the next week lol
    debts 16550
    Mortgage 69500
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