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Drawing a line under the debt. Take two.

edited 30 November -1 at 12:00AM in Debt Free Diaries
835 replies 43.3K views
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  • SarahwithloveSarahwithlove Forumite
    1.5K posts
    1,000 Posts Second Anniversary Name Dropper
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    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. 
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £950
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £4000
    Total debt *£4950* £11,416.71


    Emergency fund - £0/£2500

    Mortgage Overpayment - £30.34/£1000
    Facing Reality - My Debt Free Diary
  • luciellelucielle Forumite
    8.8K posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    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 
    2 credit cards gone forever, just 6 more credit cards, 2 loans and 2 car loans to go! What were we thinking!
  • DrawingalineDrawingaline Forumite
    2K posts
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    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 🎉
  • SarahwithloveSarahwithlove Forumite
    1.5K posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭
    I guess question is would you be happy staying where you are or will you be having this conversation again in a years time? 
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £950
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £4000
    Total debt *£4950* £11,416.71


    Emergency fund - £0/£2500

    Mortgage Overpayment - £30.34/£1000
    Facing Reality - My Debt Free Diary
  • DrawingalineDrawingaline Forumite
    2K posts
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    ✭✭✭
    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 🎉
  • luciellelucielle Forumite
    8.8K posts
    Part of the Furniture 1,000 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
  • SarahwithloveSarahwithlove Forumite
    1.5K posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭
    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? 
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £950
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £4000
    Total debt *£4950* £11,416.71


    Emergency fund - £0/£2500

    Mortgage Overpayment - £30.34/£1000
    Facing Reality - My Debt Free Diary
  • DrawingalineDrawingaline Forumite
    2K posts
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    ✭✭✭
    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 🎉
  • SarahwithloveSarahwithlove Forumite
    1.5K posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭
    Hopefully solicitor can be doing stuff in background whilst waiting for the survey if needed. Hopefully not too long a wait. Good luck. 
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £950
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £4000
    Total debt *£4950* £11,416.71


    Emergency fund - £0/£2500

    Mortgage Overpayment - £30.34/£1000
    Facing Reality - My Debt Free Diary
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