Forum Home» Debt-Free Wannabe» Debt Free Diaries

Drawing a line under the debt. Take two. - Page 61

New Post Advanced Search

Drawing a line under the debt. Take two.

edited 30 November -1 at 1:00AM in Debt Free Diaries
678 replies 36.7K views
1585961636468

Replies

  • clarissa62clarissa62 Forumite
    506 posts
    Part of the Furniture 100 Posts Photogenic Name Dropper
    ✭✭
    Good luck, all sounds to be moving at a good pace. 
    #39 save 12k in 2019 £2230.35 / £5000 saved in 2019
    #51 save 12k in 2020 £1840.47 / £6000 saved in 2020
    Debt as of 13 September 2020 £7641.35/£10569.02 27.70% paid off

    Queen Bee saving for future hive :0
  • DrawingalineDrawingaline Forumite
    1.7K posts
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    ✭✭✭
    Nothing much happening here. Put a lb on this week, but not a shock. Need to get back to it tomorrow, I always struggle to watch what I eat when it's hot. Also with hubby being off it's been a lot more relaxed. Car is going for mot tomorrow, so may need to go shopping today. I think I will be going back to online shopping from September. The weekly has worked well for us but once the kids are back at school and I am (hopefully) back working both jobs I will no longer have the time to spare going weekly. I will attempt to continue meal planning though, it's definitely taken the stress out of cooking. 

    Worried about the MOT. I have around £250 and hubby has 1k, but am desperately trying to save for the move. I want to at least get the solicitors and removal costs set aside. 

    The wierd one goes back swimming today. But it's a different pool and the instructor can't get in the water with him. He was ok on his own just before lockdown, but after not swimming for four months I am concerned that he will panic. The smallest swim school can't go back yet. They hire a school pool and it isn't open just yet. Also no one can be in the water helping the kids so she can no longer cater for beginners 🤷 he is soooo close to not needing help, but it is so frustrating. He adores swimming and is missing it.

    Am also trying to keep a decent weathered weekend day free to see the in laws. Fil is high risk, but we can just about do the journey in a day, so as long as we can sit in the garden we should be able to do it. Mil isn't even in the age bracket for shielding so she is super frustrated about not seeing us since Xmas, bit fil is 10years older and a severe asthmatic so it's not worth the risk to have her to stay or try to stay with them. So if we can get to them and have a day in the garden and just access the house for the toilet which is next to the front door I think it could work. 

    Anyway enough rambling on, 


    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 
    Mortgage offer 7th September! 😁
  • DrawingalineDrawingaline Forumite
    1.7K posts
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    ✭✭✭
    Surveyor came this morning for our buyers lender. All good. One more box ticked. Our lender is surveying the house we want to buy tomorrow. This surveyor said he has a 48 turn around, so hopefully ours will be similar. Hope to here something from our MB early next week. Going to give the solicitors until Monday then send an email as I think they should have had paperwork from our sellers now. Want to see the fixtures and fittings to see what they are leaving. Hopeful that they are leaving all the curtains and maybe the fridge. They are moving to mainland Europe so may wish to leave things. We are leaving our undercounted fridge and freezer as want a big upright one, but if there is one there we don't have to rush to get it delivered just after we complete.

    Car failed MOT, but nothing major. New tyre (am collecting it and going to do that now) and it needs a new wheel from where I hit the curb in March. Will wipe out the car main fund, but that is why it is there!!!
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 
    Mortgage offer 7th September! 😁
  • clarissa62clarissa62 Forumite
    506 posts
    Part of the Furniture 100 Posts Photogenic Name Dropper
    ✭✭
    Exciting times Drawingaline, are you going for one of those American style fridge freezers? My mum had one, if you do look into one with a ice and water dispenser. House selling and buying looks to be going well for you so far. I was sorting out the legal stuff with my solicitors last week, verifying identity etc but all quiet this week so far. Mind you its only Tuesday morning. 
    #39 save 12k in 2019 £2230.35 / £5000 saved in 2019
    #51 save 12k in 2020 £1840.47 / £6000 saved in 2020
    Debt as of 13 September 2020 £7641.35/£10569.02 27.70% paid off

    Queen Bee saving for future hive :0
  • DrawingalineDrawingaline Forumite
    1.7K posts
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    ✭✭✭
    Exciting times Drawingaline, are you going for one of those American style fridge freezers? My mum had one, if you do look into one with a ice and water dispenser. House selling and buying looks to be going well for you so far. I was sorting out the legal stuff with my solicitors last week, verifying identity etc but all quiet this week so far. Mind you its only Tuesday morning. 
    We will have a big American style one. Hubby was keen on an ice dispenser but it would need plumbing. We get through about two bags of ice a week (we previously had counter top ice machines, but we live in a notorious hard water area and they kept clogging with limescale) so a larger freezer would probably work just as well. Hubby gets through so much ice, when we used to work in mcd's if he worked the grill he would have a pot of ice cubes next to him and would just eat it as he worked!

    After a flurry of information last week we have heard nothing from anyone since. But EA sales progressor is on holiday this week, assuming solicitors are waiting on searches and MB on valuation report. Will definitely follow up this time next week.

    Picked car up today and new back tyre put on. Garage are hoping for the new wheel to arrive tomorrow morning or thursday. I can rejig my clients so not too much of a problem, in fact it might be nicer to not work tomorrow and then work more on Friday when it won't be as hot! Have given my clients tomorrow warning that I may need to swap days in the morning. One isn't in the country so no issue there as long as it's done by sat afternoon as they are arriving Monday and then will need to quarantine. They left the country mid march and have been stuck (in the country they come from in a second home ) since then. 

    And in other news, the plumber randomly arrived to replace the part that's needed doing since March 😂 hubby wasn't expecting him and I was at a clients, he acted like I should have known he was coming 🤦🤔😂 anyway let's see if he ever contacts me for payment, still owe him from last year 😂 glad it's done, but think I am definitely going to have to find a new plumber for the next house. He's a great bloke, cheap and a good plumber. But I need someone a little less flaky I think. He will be retiring soon anyway. 

    Cash flow isn't looking great, but savings accounts look good, going to have to pinch  some from Xmas I think to pay for the actual MOT. What I have saved will pay for the work needed, will be around £50 short I think. 
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 
    Mortgage offer 7th September! 😁
  • savingholmessavingholmes Forumite
    12.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Glad the mot was reasonable. Hope mortgage offer comes through soon 
    During 2020: Target 1) Reduce debt from £25.1K @ 0% Now down to £17,357 Target 2) Overpay mortgage - now @ £777 OP Target 3) Improve pensions Target 4) Declutter 52 bags - Done with help of skip. 5) Lose 21lbs - now at 15lb lost 6) Build/maintain EF/Savings pots at £1K or more by 31/12/20
  • DrawingalineDrawingaline Forumite
    1.7K posts
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    ✭✭✭
    Well this morning has started with an email from MB with a whole host of queries about my jobs 🤦 getting concerned now that they wont lend what we need and it will come in short. Answered everything and sent it back. Valuation being done today, I have been super calm about everything since we had the offer, now I am beginning to get stressed again. MB seemed confident that we should be fine, but mortgage companies are being off about the seiss grant,which is so annoying as it's classed as taxable income and for me it is simply income replacement for Apr and May when the government said it was unsafe for me to work!

    Oh well, I can't do anything else, just hang in there. They haven't flat out refused so will see what they comeback with I suppose. 

    Heat is not helping my mood at all. I am not a good person when too hot. 
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 
    Mortgage offer 7th September! 😁
  • bd80sbd80s Forumite
    279 posts
    100 Posts First Anniversary Name Dropper
    ✭✭
    That's a rubbish start to the morning but I think you'll be ok, they are probably all having to dot all the i's and cross all the t's fully in this situation.
    Heat is getting harder to cope with so i'm with you on that! 
    Settled to date - 4, settled - fiend loan, target 5 - 948/331, 65%, LBS lost - 33.5
  • savingholmessavingholmes Forumite
    12.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    I too am finding the heat a struggle. The MB probably knows who best to go to in this circumstance. 
    During 2020: Target 1) Reduce debt from £25.1K @ 0% Now down to £17,357 Target 2) Overpay mortgage - now @ £777 OP Target 3) Improve pensions Target 4) Declutter 52 bags - Done with help of skip. 5) Lose 21lbs - now at 15lb lost 6) Build/maintain EF/Savings pots at £1K or more by 31/12/20
  • shoppingobsessed2020shoppingobsessed2020 Forumite
    199 posts
    100 Posts Name Dropper
    Just catching up, amazing juggling at wow at the house, it’s all or nothing with you :)
    2 credit cards gone forever, just 6 more credit cards, 2 loans and 2 car loans to go! What were we thinking!
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support