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Drawing a line under the debt. Take two.

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Comments

  • Fingers crossed you get a quick buyer then for you. It must be so frustrating though knowing you're all ready to go. Good luck. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • lucielle
    lucielle Posts: 11,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the viewings went well
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Hope it all goes well
    from here for you 
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Well ended up with five viewings. And another four booked in for this week. So will see.

    Chatting with hubby about the benefits of staying put, we could be mortgage free in 8-10yrs with regular overpayments. And more disposable income. And probably never have to move ever. 

    Well we have no control over it all now, so will just go with the flow.
    Debt free Feb 2021 🎉
  • I guess question is would you be happy staying where you are or will you be having this conversation again in a years time? 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • I guess question is would you be happy staying where you are or will you be having this conversation again in a years time? 
    Exactly. Anyway we had an offer that matched the previous one. I had a big wobble on the phone to the EA, spoke to hubby who said, why wouldn't we accept it, so rand this afternoon and accepted it. She seems very keen, ftb and already emailed proof of deposit etc over. Did say to EA if it falls through we wont be remarketing again. So fingers crossed we will complete before end of Jan when mortgage offer expires.
    Debt free Feb 2021 🎉
  • lucielle
    lucielle Posts: 11,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Everything crossed here for you
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • That's great news fingers crossed for you. First time buyer should help speed things up for you especially if you are ready to go. Is it just a case of your buyer needing to catch up? 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • That's great news fingers crossed for you. First time buyer should help speed things up for you especially if you are ready to go. Is it just a case of your buyer needing to catch up? 
    Yes hopefully. At least our solicitor has all the info for the sale already, and there was talk of trying to get them to use the same solicitors as our previous buyer. I am going to assume they will want a survey which will delay things, previous buyer didn't bother (due to knowing the area and house type very well). 
    Debt free Feb 2021 🎉
  • Hopefully solicitor can be doing stuff in background whilst waiting for the survey if needed. Hopefully not too long a wait. Good luck. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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