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Back in debt but not out

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  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Hope you feel better soon!xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • Glad you're on the mend but make sure you still get plenty of rest.


    Good plans to start 2017, will the £250 be from your usual payments or include some extra overpayments?


    I can't believe it's only 2 paydays before Xmas, 2016 has flown by more than usual!


    H x
  • Thanks Hun.

    The £250 will include overpayments as if it was the Barclaycard I was paying. Normal payment now with the MBNA is £90.

    2016 has gone so fast, I'm shocked by how my year has changed, still 2017 will be better.

    DH cancelled his car insurance from renewal, so I can stop worrying about that.

    Stuff out of the freezer ready for defrosting for dinners over the next few days.

    I think the gas and electric is due next month, so my planned payments may need to be adjusted but we'll see.
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Great to have that starting place for 2017. And you may well clear it sooner.
    " 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
  • Bobarella wrote: »
    Great to have that starting place for 2017. And you may well clear it sooner.

    I really hope so Hun. Thank you x
  • I hope you're feeling much better.

    Has there been any word on the current place keeping you on longer?
    :happylove
  • Feeling rather bleurgh and tired today. On the upside the CM is bringing DD home, however I do need to walk her to Guides, because if I move my car now, I'll lose my spot and that will make it harder for DH to park on the hard standing as they're an inconsiderate lot on my road!

    Spoke to Director today, he mentioned DH's conversation last week & he's told me he'll see what he can do. The other 12 month job with DH's company looks promising too, they've only had one other cv in (secretly hoping the other person pulls out! How mean is that?!? :o )

    Came home to a letter from HMRC to tell me I didn't pay enough tax 2015-2016 and now owe them £600+, they'll take it out of my salary so no major panic but I'm feeling like it's one step forward and three back :(
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    My OH got a letter like that too. In his case it seems to relate to medical cover his work started providing in April which has affected his tax situation. Thankfully it will just be taken by the month via his salary. In the bad old days I ended up owing HMRC £3,500 and had to repay it at £330 a month till it was clear. That was awful.
    " 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
  • MrsSave
    MrsSave Posts: 1,817 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Sorry you're not having a brilliant day and are feeling fed up. The tax bill sucks, but you know you'll get there in the end.
    Starting a new debt free journey
    Starting Debt: £5,250
    Current Debt: £4,995.50
    Amount Paid: £254.50 Percentage Paid: 4.84%
    Emergency Fund: £350
  • It must be the week for tax bills, my hubby got his earlier in the week so annoying I'd like to know how they do their calculations so I can check myself.


    Hope you get some more news about the jobs soon that would be a good boost to your plans.


    Only 2 days away from the weekend, then half term, hope you have some time off to recover fully.


    H x
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