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Drawing a line under the debt. Take two.

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  • Uhoh that's not good. Hopefully the new buyers will be OK with that. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8440/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1010/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Great you have finally exchanged.  Good luck with the move next week. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
    Save £12k in 2025 #1 £12000/£8000
  • Hurray! Glad to read that you have been able to exchange contracts! Happy packing!
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Box's have been delivered. Touched up some paintwork in our bedroom. Started packing the car for the tip run I have booked on sat. Already half full and still need to cram in a bed and a wardrobe. Broke the wardrobe down and it's now sitting in the front garden. Not being able to access the tip except via appointment is not great right now, I have another appt on Tuesday as can only go once a week, but I reckon I could fill the car six times. Should have been more organised! Thank God I got rid of so much in the summer from the loft. At least there aren't any surprises up there for me.

    Packing is difficult, with us all here, I empty a unit into a box and then it is taking up twice the space 🤦 think I will take the table down (which I specifically asked the removals to do, but needs must) on Sunday evening so I can just fill that end of the room with box's.
    Debt free Feb 2021 🎉
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's exhausting and a rollercoaster with plumbing and ceiling but nearly finished
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Plumber cost more than I would have liked, but emergency rates. Also the actual job took about 45mins, but all the extra time finding the leak, getting to it and making good added up. On a plus he reinstalled the bath panel better than it was previously 😂 ceiling isn't great, but just needs a small skim. 

    Had completion statement through. I was only about £70 out on my calculations for the redemption for our current mortgage, was quite proud of myself! Anyway total to pay was £3800, have had to cash in my monthly saver three weeks before it matures. Toyed with asking dad to sub me until the end of Feb, but when I looked into how much I would lose it was about £50 🤦 not worth the hassle. Anyway we have about £800 clear so will put it towards beds and mattresses. Hubby has 2k which will go towards some bits of furniture we need, but only after we sre in and can check nothing urgent needs doing and that everything works.

    Boxed up most of the boys room today. Managed to get all the stuff in the car for the tip, took more clothes to the clothes bank and got some stuff out of the loft. 

    Tomorrow I will touch up the paint in the boys room where I filled holes after removing shelves, and do some cleaning. Also need to start filling the car again for my next til run on Tuesday. There was more left up there than I thought. Including an old video player 🤷🤦😂

    Debt free Feb 2021 🎉
  • bd80s
    bd80s Posts: 368 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    All busy busy for you at the moment then! 
    Will be worth it once you're in the new place and settled though, happy manic week! :smile:
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I don't know why you are bothering painting... sold as seen
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • lucielle
    lucielle Posts: 11,505 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    And breathe......Not long now I hope everything goes ok.
    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
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