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Onwards and downwards...

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  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,253 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Fantatic news, I'm so pleased for you.x
  • AdventureWanted
    AdventureWanted Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    That’s brilliant news Jwil. :j:j
    LBM Aug 2017.
    Debt at LBM - £30,055
    Debt at highest - £43,148.59
    Current debt - £18,880.00
    EF - £1,000.00

    Challenges
    PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Oh wow jwil I'm so happy for you what a lovely surprise xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • jwil
    jwil Posts: 21,999 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.98 to Mortgage
    £2.00 to debt savings
    £1.02 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,570 - £750 paid :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,999 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you everyone, I am really pleased. I've been thinking about it and will probably use it towards a few things we could do with:

    I need a new bookcase as mine are collapsing. I've got my eye on a bigger one which will condense at least 2 into one, so I'm getting that.

    The space created by getting rid of a bookcase can be used for toy storage, so will get that.

    We've been planning on getting a tumble trier so will get that.

    I owe DH about £50 on his credit card so will pay that.

    Whatever is left will go towards the F&F if it's accepted, or the debt fund if it's not. I think that's a pretty good balance between improving our life at the moment, and paying down the debt.

    I offered a 33% F&F countering their 55%. Hoping they will accept that as it's unenforceable.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,999 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well maybe I should invest in a hearing test :rotfl: I've had my letter today and it turns out the amount is just shy of £1500 :T :T :T :T :eek:

    It says the cheque should arrive in 2 weeks, so I'd better allow a month considering their inaccurate timescales for the letter! I'm gobsmacked, I can't believe I paid that much in just 2 years of having a policy (although a good proportion is interest etc)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,253 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Brilliant news Jwil.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil wrote: »
    Well maybe I should invest in a hearing test :rotfl: I've had my letter today and it turns out the amount is just shy of £1500 :T :T :T :T :eek:

    It says the cheque should arrive in 2 weeks, so I'd better allow a month considering their inaccurate timescales for the letter! I'm gobsmacked, I can't believe I paid that much in just 2 years of having a policy (although a good proportion is interest etc)

    Wow that's amazing jwil, great news :T.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • retiredandskint
    retiredandskint Posts: 852 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud!
    Now that's a tidy sum. It'll allow you to buy what you need and have some over for debt busting.
  • dawnybabes
    dawnybabes Posts: 3,370 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    That’s fantastic news x
    Sealed pot challenge 822

    Jan - £176.66 :j
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