Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
My journey to a debt free life
4.5K replies
236.6K views
Quick links
Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support
Replies
Glad you had a good day at the beach
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £500/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £144.37/£500. SEF = £1,000/£10,000
PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300. HOLIDAY MONEY £800
EF £200 Mortgage OP's this year £115
There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!
Have a good weekend .
By the time I'm finished my house will be streamlined to within an inch of its life :j
Emergency Fund = £1000 Xmas savings = £0
House Fund = £900 😊
Emergency Fund = £1000 Xmas savings = £0
House Fund = £900 😊
Despite my bad nights sleep I wasn't that tired today so work was ok in the end
I now have two days off but I'm going to be busy,tomorrow morning I'm going out with colleagues for breakfast,it's a leaving do for someone and they decided breakfast was a good idea instead of an evening meal,so I won't get my Saturday morning lie in which is a bit sad but never mind I'm having pancakes so there is a silver lining :j:rotfl:
Im then coming home and me and DD are sorting through the airing cupboard to get rid of all the bedding I no longer use,some of it can go to the charity shop but some bits are not good enough so will go to the clothes bank bin for recycling,there are some throws in there that I don't use so they can go as well
I might also sort the cutlery tomorrow and take that to the charity shop too,I will see how we get on
I also need to hoover at some point over the weekend and I still haven't done the ironing so that is also on the list
Hobby wise I am thinking I might paint the table and chairs I got for the dolls house for Christmas,I haven't done anything to it for a while and there are some little jobs I could do,I need to make some more window blinds and another woolly blanket for one of the beds so any of that could be done over the weekend
Apart from that I am plannning on chilling out for a bit
Emergency Fund = £1000 Xmas savings = £0
House Fund = £900 😊
It's Ryder Carroll, and the book is called The Bullet Journal Method. I got a bit side-tracked reading an article that it links to about how writing by hand activates more bits of brain than typing, and at this rate it may take weeks to finish, but so far I'm finding it interesting. It's £2.99 on Kindle or £8.99 elsewhere. There's a decent-sized sample available for free through [email protected] to give you an idea.
Love the chicken stories!
Good luck with your endeavours, it's an ongoing process. I tried to minimise to six plates, bowls etc. We needed way more glades, knives and side plates than that I discovered :rotfl: but overall there is much less in the house than their was two years ago and I am much more aware of what new things I am bringing in these days too.
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! 😁
All enquiries answered and ready to exchange 6 Nov 2020
Buyer pulled out 7 Nov 2020
New offer accepted 10 Nov 2020
Back on the rollercoaster, hope to exchange and complete Jan 2021!
Exchanged 20th Jan 2021.
Completion set for 27th January 2021 🎉🎉
October 2020 Debt = £28,270
2021 Start:
Car £17450 = £13,000
Loan £11000 = £9,929
TOTAL£28,450 = £22,929
Mortgage £191,311 = £188,833
EF = £750 Xmas = £72
EF £200 Mortgage OP's this year £115
There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!