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Onwards and the debt goes downwards!

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  • lucielle
    lucielle Posts: 11,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi PWPS, I don't know, which I hate not knowing.  At the moment we haven't found anything but do have somebody to contact on Monday, please keep everything crossed.  Our current thinking (as there's nothing available) is to tough it out and let them go down the court route (doesn't sit very comfortably with me) as they aren't allowed to make us homeless.  That could take ages as the courts are way behind (knowing our luck they'll have a slot!)  The silver lining to all this, is that the stress has killed my appetite.
    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
  • EssexHebridean
    EssexHebridean Posts: 24,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh Lucielle that really is rubbish news - what a shame. Definitely crossing fingers for you that something comes along. Also eek to the oil - can you work out how long you think what you have will last if you can get away with using it just for water? But then again what happens if there's a cold snap - it's a dilemma. 

    Puppies though - so cute! 

    Chances are even if you go over the time for the S21, you would still manage to find somewhere and be away before it actually went to court. Are you on good enough terms with the LL that you can keep in contact with them so they realise you are actively looking, at least?
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • lucielle
    lucielle Posts: 11,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi all. Made it to Skye and the new bathroom is looking great. 1 coat of paint needed and I can wallow from tomorrow!!!

    DD2 has landed back in the country and is making her way north as I type. OH is on stand by to get her from the station. 

    Letter sent recorded delivery to agent, we’ll see if that has any affect.  Can but try. 

    I decided to order 500L of oil. I did put it on credit card. I only had £400 in oil account but if I can pay it in April there would be enough to cover it. That should arrive today. 
    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
  • beanielou
    beanielou Posts: 95,754 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your break  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy Skye. Exciting for you that your DD is returning.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gorgeous views. Thanks for sharing. Hope you have a good time.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Beautiful photos, what stunning views you have there.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • hugglemonster
    hugglemonster Posts: 1,245 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Beautiful photos, hope you can manage to relax a bit despite all that's going on around you. 

    Enjoy your time with dd, H x
  • EssexHebridean
    EssexHebridean Posts: 24,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Jealous (in a gentle way!) of your location. we seem to have the blue skies and sunshine, but sadly not the views to go with! Glad the bathroom is looking great too! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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