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Mopping up the mess - my final debt free journey!

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  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Hi clearmydebts. I used to read your old diary but missed this one. I will be subscribing. Good luck with getting rid of the debt.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hey CMD. I'm back on the boards after a looooooong hiatus. Lovely to be catching up with everyone x
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hi clearmydebts. I used to read your old diary but missed this one. I will be subscribing. Good luck with getting rid of the debt.

    Thanks Parsniphead. It's been a long long journey for me, with lots of regressing on the finance front but I think finally I might be making some headway. Lovely to see you here and thanks for dropping in
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    starnac wrote: »
    Hey CMD. I'm back on the boards after a looooooong hiatus. Lovely to be catching up with everyone x

    So nice to see you Star. I've really missed you and all the updates on the kiddies xx
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    So nice to see you Star. I've really missed you and all the updates on the kiddies xx

    I've missed all the goings on here too. That's why I had to come back lol! It's been great catching up on all my friends here.
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    starnac wrote: »
    I've missed all the goings on here too. That's why I had to come back lol! It's been great catching up on all my friends here.

    How are things with you?
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Good thanks. On our first week of the holidays so not really up to much as we are all exhausted! Do you have any exciting plans over the holidays?
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    OH got paid yesterday so I made my payments for this month. Am now under 23K! (just!). Just really the minimum payments this month as we have a lot of school expenses and I am trying to forward plan with paying their activities rather than sticking it on the credit card. So extra things I need to pay for:

    * School books €80
    * Gymnastics €118
    * Swimming €156
    * Extra childcare €200
    * Eye appointment (Evie) €80

    From now until end of October is going to be very busy and expensive. OH has been told about some target related bonuses which are due in Oct, Nov and Jan (pending the team meeting the target). If he meets all 3 we have the potential to get rid of a good chunk of our debt so I'm keeping my fingers crossed for that.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    starnac wrote: »
    Good thanks. On our first week of the holidays so not really up to much as we are all exhausted! Do you have any exciting plans over the holidays?

    We are on week 4 of ours now. The kids over here get 9 weeks off! They went to their school summer camp on Week 1, then we all went to Cork for a week for Week 2 and the last 2 weeks have been filled up with playdates, trips to the beach/library and birthday parties! They definitely aren't bored yet that's for sure.

    What about you?
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Wow! That's a long holiday. Ours get 7 weeks and I thought that was long :eek:

    We have holiday clubs running this week and another week mid August. DD is booked into a Paddle School for a week (her choice) and we are hoping to go away for a week towards the end of the holidays.

    Fingers crossed your OH gets the bonuses.

    I'm shocked that you have to buy E80 (sorry no Euro sign on my keyboard!) worth of school books! Are they work books?
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
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