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Small Steps Out Of Massive Debt!

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  • On a negative note, the hot water and heating in my building has been out for 48 hours (we've got a central hot water boiler for the building which needs repairs). Heating isn't too much of an issue as my flat is ridiculously well insulated and using the oven or putting on the towel rail for an hour heats up the entire flat (one of the benefits of living in a shoebox!) but my god, a freezing cold shower / hair wash on a mid-December morning is awful . Building management are hopeful that it will be fixed today ... I hope so, don't want another freezing cold shower!
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Oh no, it's a horrible time of year to be losing your heating and hot water! Really hope it gets fixed today.

    Bask in your smugness - you deserve it!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • The heating, and most importantly the hot water, are fixed! Yay! :)

    Having a bit of a festive melt-down today. There's some family drama going on and I already feel a bit overwhelmed by trying to meet all my deadlines at work before I finish for xmas on Wednesday. You know those days when you know you should keep calm and not engage, but really you just want to scream at everyone to sod off and leave you alone? :mad:

    Bah Humbug! :snow_laug

    I suppose that I can at least take some kind of comfort from the fact that the old-me would be trying to cope with this by buying things ... the new-me is instead typing so hard that she's going to break the keyboard ;)

    Hope you are all doing better than I am at the moment!
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Take a breather, coffee? Coffee fixes most things ;)

    Hope it all settles down and you can feel happier x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Chrystal
    Chrystal Posts: 1,995 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    The heating, and most importantly the hot water, are fixed! Yay! :)

    Having a bit of a festive melt-down today. There's some family drama going on and I already feel a bit overwhelmed by trying to meet all my deadlines at work before I finish for xmas on Wednesday. You know those days when you know you should keep calm and not engage, but really you just want to scream at everyone to sod off and leave you alone? :mad:

    Bah Humbug! :snow_laug

    I suppose that I can at least take some kind of comfort from the fact that the old-me would be trying to cope with this by buying things ... the new-me is instead typing so hard that she's going to break the keyboard ;)

    Hope you are all doing better than I am at the moment!

    Hope you're feeling a bit better GC, and manage to get your deadlines met.
    And yes, I know that feeling very well! Families can be a total pain in the backside sometimes :mad: (((hugs)))
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • Hope things are a bit more on an even keel today GC - remember to take at least a few minutes out of the day to get outside and look up at the sky in daylight. That always helps. Deep breaths and fresh air - the way forwards, at least a bit!
    🎉 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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Mnd
    Mnd Posts: 1,699 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Porridge is fine in the slow cooker
    No.79 save £12k in 2020. Total end May £11610
    Annual target £24000
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Just stopping by GC to wish you some good luck and patience. I feel your pain with the work deadlines - I've been much the same over the last few weeks but i finish today for 2.5 weeks and I just think 'sod it'. If things don't get done, they will wait. It's not the end of the world! But I don't want to have things hanging over me while I'm off as I know I will think (read worry) about them.

    Fingers crossed you can get work stuff put to bed and enjoy some time off without screaming at anyone :)
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • I discovered a fantastic use for the slow cooker at this time of year: mulled wine! It heats it right through without burning and with a slice of orange and a cinnamon stick the house smells so festive. Kept on low it’s the ideal temperature to serve through the evening. In true MSE fashion I’m using wine bought last Christmas :rotfl:
    £20k debt paid off, now saving for mortgage deposit
    In the process of shedding 42lbs
  • Hope you have a peaceful and lovely Christmas Duchess.

    :santa2:
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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