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My journey to a debt free life
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Hi everyone and thanks for your hugs and support 🥰
The cat had an abscess on his bum 😟 so has been given anti anti inflammatories and antibiotics,he has perked up a bit so hopefully is on the mend. I messaged DD1 with the bad news to let her know she now owes me £90 and she didn't freak out like I thought she would, I am letting her pay me on our next payday though so I think that helped😊
The electrician messaged me the following morning and said he had been thinking overnight how he could actually just rewire the light switches downstairs instead of the whole house because I'm not actually having any issues in the rest of the house, he has quoted me £700 if the job goes through on the books or £600 for cash, I have no idea if this is reasonable or not. I have asked my friend to ask her husband ( knows people in the trade) if he thinks I should go for it or knows anyone who could have a look. It would be rewiring five light switches and replastering the wall after as well and I do have £600 that I could use for it .
Today I went for coffee with a friend and it was good to get out of the house for a couple of hours. I have chilled out this afternoon mainly because I have a painful throat 😢😢 DD2 has got a nasty cold and I think she might have passed it onto me, I am hoping it will just be a couple of days and back to normal but she has developed a nasty hacking cough which I really could do without. I am chugging back the echinacea like crazy and have cracked open the vit c tablets in the hope of nipping it on the bud and I've also told my immune system that I haven't got time for a cold right now so it had better get it's act together 😀
Speaking Of DD2 she has had a phone call today to say that the flat she wants to buy is hers if she wants it so we are going to view it on Monday. She has 14 days to let them know and contact a solicitor to get things moving or it will go back on the market ( no pressure then ) she also has to complete within 6 months or she has to go through the whole assessment process again 🙀 the mortgage broker has recommended a solicitor who she has worked with before and they have good knowledge of the shared ownership scheme and how it works so I think DD might just use them. She now has to send a £500 reservation fee to the housing society when she lets them know if she wants it or not,this then gets applied to her rent account if she takes the property on
Its all very exciting and I really hope it works out for her as she has been waiting a long time to buy somewhere. She was a bit worried that it would be less rural over the other side of the city because were we are now is right on the edge between city and country side so we have lots of nice walks but a couple of her colleagues live over that way and have told her there are some lovely walks to go on so she is happier now. I thought there would be places to walk because where it's been built was all farm land years ago and there's lots of country lanes around there. I don't know it as well as I do this side of the city but I know of a footpath and a bridlepath that are both lovely walks so she should be ok 😊Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1206 -
B is also having a relaxing day 😀🥰
Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1206 -
Ive been lurking and reading and also worrying on you these last couple days OBL - and I really enjoy reading your diary and all the nice people you have commenting on here. sounds like all these positive vibes have had some effect 😊. Glad feline friend is sorted out with meds, hope electrician is a compromise in the right direction for you and DD accommodation search goes the way you want it to. And also that the echinacea sorts the sore throat - I use zinc at the 1st sign of a scratchy throat swear by it. Take care x xLancashire
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There seems to be a lot of dodgy throat things going around. Hope yours improves soon. Take an LFT test though as I read that covid cases are up 31% this week....not good.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,524....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
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My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Poor cat with an abscess on his bum, thankfully nothing serious or too expensive. Anything to do with electrics is expensive but that option certainly sounds better than a full re-wire. Best to ask for an opinion though.Good news about DD’s flat. I bet you’ll miss her though.Boo to the sore throat I hope it clears up sharpish.B looks so snug and contented 😍I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Thankfully it can be sorted within your budget. If that is reasonable then that’s something at least.
Sorry you’re not feeling so good though with a sore throat. Hopefully that’ll just go.
B looks so comfy xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x1 -
Sorry you cannot seem to catch a break at the moment and you manage to avoid the bad cold. Fingers crossed the wiring job can be done a lot cheaper than £3k. Worth getting a second opinion even on the cheaper price.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.
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enthusiasticsaver said:Sorry you cannot seem to catch a break at the moment and you manage to avoid the bad cold. Fingers crossed the wiring job can be done a lot cheaper than £3k. Worth getting a second opinion even on the cheaper price.Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1202
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SuzeQStan said:Ive been lurking and reading and also worrying on you these last couple days OBL - and I really enjoy reading your diary and all the nice people you have commenting on here. sounds like all these positive vibes have had some effect 😊. Glad feline friend is sorted out with meds, hope electrician is a compromise in the right direction for you and DD accommodation search goes the way you want it to. And also that the echinacea sorts the sore throat - I use zinc at the 1st sign of a scratchy throat swear by it. Take care x xOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1201
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Willowtree222 said:Thankfully it can be sorted within your budget. If that is reasonable then that’s something at least.
Sorry you’re not feeling so good though with a sore throat. Hopefully that’ll just go.
B looks so comfy xOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1202
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