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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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Great news about the dtr's letter.
Have a great day today xx
BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE
Feb LTW 2/20
PAYDBX 2020 #041 PD £298.03/£8000
Xmas Pot £52.85/£500 ~ EF £280/£500
20p Savers 2020
CC debt Nov 2018 £48.6K
Well today has been productive if exhausting. We got the proposal done in record time as suddenly realised the deadline was lunchtime :eek::eek::eek:. The good news is they said yes :T:j:j::T
DH also wrote a very long covering letter to his remaining creditor, to accompany the doctors letter. He enclosed our budget that Stepchange helped us put together (in case they'd lost the previous one we sent them). We photocopied everything and then posted it recorded delivery, which came to £1.75. So much for a NSD, but the doctors letter would have cost £20 to replace and another four weeks wait, so we figured it was worth it.
It felt great to have posted it, but I felt a bit tired and stressed after that. Dealing with creditors always makes me feel a bit meh
Also managed to do two You Gov surveys (that's four this week!) One was for a prize draw but I did win 200 points once. Plus managed a half hour walk for the third day in a row
On the down side I succumbed to a large chocolate bar and later on DH said he wanted pizza for dinner as a reward for hard work and he'd spotted a buy one get one pizza deal if you picked up. So another £10 gone, but he has worked hard so didn't like to say no
I'm looking forward to being a zombie in front of the telly tonight followed by a long sleep.
Have a great evening everyone.
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £300/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £153.37/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £350.
HOLIDAY MONEY = £1,100 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 7 MONTHS
Best win so far - holiday to Florida
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £300/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £153.37/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £350.
HOLIDAY MONEY = £1,100 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 7 MONTHS
Weight loss goal 56lbs - 0/56 - Emergency Fund £1000/£428.26 NSD/3
Sounds like a productive day yesterday.
Fingers crossed the creditor behaves and you get the right outcome.
Hope the pizza was nice
Have a lovely day xx
BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE
Feb LTW 2/20
PAYDBX 2020 #041 PD £298.03/£8000
Xmas Pot £52.85/£500 ~ EF £280/£500
20p Savers 2020
I really hope that the final creditor sees reason. We only have around £52 per month surplus after paying our bills, so it would take very many years to pay off £16000. And realistically we need that small surplus for emergencies etc. DH offered 50% of the total or £2.50 per month on each debt. That would take 266 years to pay off by my calculations :eek:. I don't think either of us will live that long
Today's plan is my weekly treat of coffee in town and browsing the charity shops. It's my me time where I get away from everything and everyone for a few hours and I look forward to it
When I get back I need to make some inroads into the laundry mountain, vacuum the downstairs and tidy our bedroom (an on going project). This evening DH, DS1 and I will watch a film together and I'll have some cans of cider (cheaper than wine as I'm the only one who drinks).
Have a lovely saturday everyone.
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £300/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £153.37/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £350.
HOLIDAY MONEY = £1,100 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 7 MONTHS
So total spend £9.80 on food and £6.75 elsewhere. Considering there were lots off 50% off sales in M&S, Debenhams and House of Fraser I think that's pretty good :A.
Came home to a letter from the tax office saying we owe £500 approximately in tax and they've been trying to contact us. We paid this bill back in early August :mad::mad: Why do they always send threatening letters to arrive on a Saturday? They wind you up and then you can't ring them and sort it out until Monday :mad::mad::mad:.
I'm looking forward to that cider tonight, I think I'm going to need it
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £300/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £153.37/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £350.
HOLIDAY MONEY = £1,100 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 7 MONTHS
Sounds like a lovely morning.
Boo to the tax office hiccup, give them a slap on the wrist. Hate when the do that.
Have a great day xx
BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE
Feb LTW 2/20
PAYDBX 2020 #041 PD £298.03/£8000
Xmas Pot £52.85/£500 ~ EF £280/£500
20p Savers 2020